HWM Insights

09.03.25 - Energy stocks rose rose 7% over the last two weeks while oil xclimed 4%. That gap isn't just crude—it's crack spreads: the margin refiners earn between crude and products like gasoline and diesel,... >>

08.20.25 -- My parents ran a business together for years. When I once asked my mom about their budgeting system, she just laughed: "I don't need software—I just make sure more is coming in than going out."And... >>

08.10.25 -- A $50,000 question: What financial decisions have you been putting off since January? If you're like most successful business owners and investors, you've got a list. Tax strategies to implement.... >>

08.03.25 -- Friday created some unusual patterns between different markets that are worth understanding if you're planning any major financial moves. The numbers: tariffs up to 41% on 69 countries, jobs at 73k (vs... >>

07.27.25 -- Last week an HVAC owner asked why buyers weren't lining up for his company—even though it clears over $1 million in adjusted EBITDA. He was speaking owner-operator language to buyers who think in... >>

07.20.25 -- While reviewing a business owner's 401(k) recently, I noticed it still operated on a revenue-sharing model—once common, but now outdated. When the provider casually mentioned that fees could be... >>

07.13.25 -- I regularly see this pattern: successful businesses run by owners who feel financially vulnerable. Revenue is strong. The company is growing. But when we talk about personal financial security,... >>

07.08.25 -- The new tax law (H.R.1) makes permanent what was supposed to sunset and creates new planning considerations for 2025. The moves you make now will make a difference later. Here's the breakdown by the... >>

07.06.25 -- My kids compete in tournament-level sports. I watch them practice relentlessly, master techniques, build strength and endurance. I see how hard they work. At tournaments, everyone is good. Good doesn't... >>