Katie Martin Hewitt FP

10/03/2026

What are your thoughts or concerns on this?

Even before this latest “crisis” event, most analysts were anticipating increased volatility in markets.

11/02/2026

Hey, ladies, let me know if you can come - love to have you there!

12/01/2026

Hello, professional ladies of Redmond Chamber of Commerce & CVB and surrounding. Would love to see you Thursday, the 22nd at the chamber office for a new educational series - NA bevs available as well. :)

RSVP here: https://forms.gle/W4wTziRV1zW438ZZ9

20/12/2025

New blog - check out how it could affect you!

Katie attended a Redmond Chamber of Commerce Lunch & Learn highlighting relevant changes from the One, Big, Beautiful Bill Act that will impact businesses and individuals in 2025 and 2026. Thank you to Capstone Accounting and Tax for the presentation. Interpretation and policy coming from the bill i...

25/11/2025

This was so fun! Check it out!

Jack, Marc and Katie attended the Bend Chamber Impact Conference on Wednesday, November 19th. It was good to gather with 500 other businesspeople who invest in this community and around Central Oregon. Economists and AI specialists highlighted changes that can be expected in the near future. Hearing...

07/08/2025

Let's talk!!

Securing your future goes beyond saving—it requires proactive planning and a long-term perspective. As fee-only fiduciaries, The H Group, Inc. ensures every recommendation aligns with your best interests.

Our CFP® professionals average nearly 20 years of experience and manage over $1.1 billion in assets. So you’re in trusted hands 🤝

Ready to explore a fresh approach to retirement and investment planning?

Visit https://www.thehgroup.com for personalized guidance.

01/04/2025

Well, well, well!

BREAKING: We’ve unlocked time travel! Now you can go back and max out your Roth IRA in 1998... if you can just find the flux capacitor. 😄

We’re rolling out The H Group Time Machine next week.

Just input your birth year and boom, you can:

🕰️ Go back and max out your Roth IRA at 18
📈 Buy Apple stock before it went big
💼 Skip those impulse buys in 2009

Side effects may include financial nostalgia and wishing you'd bought Bitcoin at $1.
.. April Fools! 😄

While we can’t change the past, we can help you make smart moves starting today. Your future self will thank you—no DeLorean required.

https://thehgroup.com/services/retirement-planning/

13/03/2025

The 4% Rule has guided retirees for decades. But with inflation, market volatility, and longer lifespans, is it still reliable? Let’s break down whether this rule still works in today’s economy:

For years, retirees have relied on the 4% Rule—which suggests withdrawing 4% of your savings per year should make your money last 30 years.

💡 But with longer lifespans and market changes, does this rule still work?

📉 𝗪𝗵𝘆 𝗶𝘁 𝗺𝗶𝗴𝗵𝘁 𝗻𝗼𝘁:

-- Market volatility could shrink retirement portfolios.
-- Inflation increases the cost of living.
== Longer retirements require more savings.

📈 𝗪𝗵𝘆 𝗶𝘁 𝘀𝘁𝗶𝗹𝗹 𝗰𝗮𝗻:

-- With a diversified portfolio and flexibility, 4% is still a reasonable starting point.
-- Some studies suggest a 3.5% withdrawal rate is safer in today’s economy.

𝗢𝗽𝘁𝗶𝗺𝗶𝘇𝗲 𝗬𝗼𝘂𝗿 𝗪𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆

At The H Group, we help retirees develop custom withdrawal plans that balance security and flexibility.

💡 𝗪𝗮𝗻𝘁 𝘁𝗼 𝗲𝗻𝘀𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗹𝗮𝘀𝘁? 𝗟𝗲𝘁’𝘀 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆: 👉 https://thehgroup.com/

11/03/2025

Many people assume a 401(k) alone is enough for retirement—but is it? 🤔 Rising costs, taxes, and longevity could create a savings gap. Here’s how to make sure you don’t outlive your money!

A 401(k) is a great start, but relying on it alone may not be enough to maintain your lifestyle in retirement. To bridge the savings gap, consider these five key strategies:

1️⃣ 𝗠𝗮𝘅 𝗢𝘂𝘁 𝗬𝗼𝘂𝗿 𝟰𝟬𝟭(𝗸)—𝗮𝗻𝗱 𝗕𝗲𝘆𝗼𝗻𝗱
Contribute as much as possible (2024 limit: $23,000, or $30,500 if 50+). If you’ve maxed out your 401(k), look into IRAs and other savings options.

2️⃣ 𝗢𝗽𝗲𝗻 𝗮𝗻 𝗜𝗥𝗔 𝗳𝗼𝗿 𝗠𝗼𝗿𝗲 𝗙𝗹𝗲𝘅𝗶𝗯𝗶𝗹𝗶𝘁𝘆
A Roth IRA allows for tax-free withdrawals, while a Traditional IRA defers taxes until retirement. High earners? Consider a Backdoor Roth IRA to take advantage of tax-free growth.

3️⃣ 𝗕𝘂𝗶𝗹𝗱 𝗮 𝗧𝗮𝘅𝗮𝗯𝗹𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗣𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼
A brokerage account provides liquidity and flexibility. Stocks, ETFs, and dividend-paying investments can create passive income beyond your retirement accounts.

4️⃣ 𝗖𝗿𝗲𝗮𝘁𝗲 𝗔𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗜𝗻𝗰𝗼𝗺𝗲 𝗦𝘁𝗿𝗲𝗮𝗺𝘀
Retirement shouldn’t rely on just one source of income. Real estate investments can generate rental income, annuities provide guaranteed lifetime payments, and bonds & dividend stocks offer steady cash flow.

5️⃣ 𝗔𝗰𝗰𝗼𝘂𝗻𝘁 𝗳𝗼𝗿 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 & 𝗟𝗼𝗻𝗴-𝗧𝗲𝗿𝗺 𝗖𝗮𝗿𝗲 𝗖𝗼𝘀𝘁𝘀
Unexpected medical expenses can drain your savings. A Health Savings Account (HSA) allows for tax-free medical spending, and long-term care insurance can help cover rising healthcare costs.

𝗔 𝟰𝟬𝟭(𝗸) 𝗔𝗹𝗼𝗻𝗲 𝗠𝗮𝘆 𝗡𝗼𝘁 𝗕𝗲 𝗘𝗻𝗼𝘂𝗴𝗵—𝗪𝗲 𝗖𝗮𝗻 𝗛𝗲𝗹𝗽!

At The H Group, we help clients design comprehensive retirement strategies that go beyond just a 401(k).

📌 𝗪𝗮𝗻𝘁 𝘁𝗼 𝗲𝗻𝘀𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗹𝗮𝘀𝘁𝘀? 𝗟𝗲𝘁’𝘀 𝗰𝗿𝗲𝗮𝘁𝗲 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗽𝗹𝗮𝗻 𝘁𝗼𝗱𝗮𝘆: https://thehgroup.com/contact/

07/03/2025

❤️

Today, we celebrate the incredible team members who make The H Group a success. Your dedication, professional experience, and passion for helping clients achieve financial security do not go unnoticed.

Financial planning isn’t just about numbers—it’s about people, and we’re grateful for the hardworking individuals who make a real difference every day.

💡 To our staff, thank you for your commitment to excellence!

07/03/2025

Traditional or Roth IRA? The right choice depends on when you want to pay taxes—now or later. But the difference could mean thousands of dollars in savings over your lifetime. Let’s break it down:

One of the biggest retirement planning decisions you’ll make is whether to contribute to a Traditional or Roth IRA. The difference? Taxes.

💡 Making the right choice now could mean thousands of dollars in tax savings when you retire.

✅ Traditional IRA: Contributions are made pre-tax, reducing your taxable income now. However, withdrawals in retirement are taxed as ordinary income. This is ideal if you expect to be in a lower tax bracket later.

✅ Roth IRA: Contributions are made after-tax, meaning you won’t get an immediate tax break. But in retirement, your withdrawals—including earnings—are completely tax-free. A great option if you expect higher taxes in the future.

Key Factors to Consider:
➡️ Current vs. Future Tax Bracket: Do you want to pay taxes now or later?
➡️ Employer 401(k): Already have a pre-tax 401(k)? A Roth IRA can provide tax diversification.
➡️ Flexibility: Roth IRAs have no required minimum distributions (RMDs), giving you more control over your money in retirement.

At The H Group, we help individuals and families navigate the complexities of tax-efficient retirement planning. A well-balanced strategy—combining both Traditional and Roth accounts—can help minimize taxes and maximize income in retirement.

💡 Need Help Choosing the Right Retirement Strategy? https://thehgroup.com/services/retirement-planning/

👉 Schedule a consultation with one of our financial advisors today: https://thehgroup.com/contact/