Hello everyone!  My blog is designed to address financial topics that we're often confronted with in the media and financial publications, and access to  information regarding these topics is not readily available or entirely accurate.  My articles will address multiple topics of interest.  The articles will include both facts and opinions expressed by its author, Gregg F. Himfar CFP®.  Feel free to send me a note with additional topics of interest or simply your opinions regarding my blog posts.

Friday, July 8, 2022

Click the attachments here, The Cost of Timing the Market , to check out this article from Franklin Templeton. This articles demonstrates how trying to outsmart the market can be costly to investors and why.

Thursday, May 9, 2019

Marlena Lee, PhD, explains how her research on replacement rates can help both plan participants and sponsors prepare for better retirement outcomes. Watch here.

Wednesday, January 30, 2019

Read the market commentary on the last quarter of 2018 and the outlook for 2019. Click on the link below. Market Commentary

Friday, August 10, 2018

Can 43 shares make a difference? Yes! In this First Affirmative issue you can read about the story of how two First Affirmative clients made a company phase out hazardous chemicals to greener and safer choices - just by exercising...

Wednesday, May 9, 2018

What is financial institutions role in gun violence? Read more about the responsibility that financial institutions have in this matter. Facebook has been facing some difficulties the last two years with their involvement in the 2016...

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Thursday, March 15, 2018

As we recently hired a new Intern from Sweden, we thought it would be a great opportunity to learn more about Sweden. Here are some interesting points about CSR (Corporate Socially Responsibility) in Sweden. CSR has been major among...

Tuesday, March 6, 2018

Hi! Below you will find the First Affirmative newsletter and Market Commentary for January 2018. Have a pleasant reading! Affirmative Impact Market commentary

Thursday, May 25, 2017

Click Here First Affirmative April, 2017 Newsletter Sustainable, Responsible, Impact Investing

Thursday, May 18, 2017

First Affirmative April, 2017 Newsletter Sustainable, Responsible, Impact Investing

Thursday, May 18, 2017

Please click on the following link to view the April, 2017 market commentary update from First Affirmative: Sustainable, Responsible, Impact Investing: Market Commentary April, 2017

Thursday, April 20, 2017

Click the attachment here, Economic Commentary, to check out this article written by Mei Miller. The article touches on job creation and the unemployment rate in years past. It goes into details concerning the 2017 economic forecast...

Tuesday, January 17, 2017

It's Gregg Himfar CFP®, your financial adviser on the Xcite Steps 401k plan. As participants, I see you have been contributing and I encourage you to continue saving for retirement. I will be sending video newsletters every month...

Friday, April 29, 2016

FINRA Broker Check U4 Required Starting June 6th 2016 Financial Industry Regulatory Authority FINRA is tasked with protecting investors and upholding market integrity by regulating the securities industry. They are an independent,...

Monday, February 9, 2015

Exchange traded funds (ETF's) offer lower costs, provide unique diversification strategies, and have less restrictions when it comes to investing employee deferrals into company sponsored profit sharing plans, such as the 401(k). The...

Wednesday, August 6, 2014

In the short term, a trip to France sounds great - I must agree. In the long term, you may regret how you funded that dream vacation - especially if funded through a loan from your 401(k) plan. Perhaps a simple road-trip down to the...

Tuesday, July 15, 2014

Have you hired a competent financial advisor? What makes one financial professional different from another? What steps and/or attributes should one take/look for in conducting a search? Those in need of advice need a process to...