Richelle Hofer 
Hint: You Don’t Need to Overpay for Advice to Get Exceptional Service Over the years, I’ve met a lot of smart, successful people who—when it comes to investing—aren’t quite sure what they’re paying for. They know they have a financial advisor.They know they’re invested in “something.”They know their investment portfolio is being managed.But when it … Read more
Because building wealth is one thing. Knowing what to do with it? That’s where the real work—and reward—begins. There’s a moment that happens when your net worth quietly crosses that seven-figure mark. It doesn’t always come with fireworks or a champagne toast. Sometimes it sneaks up after years of disciplined saving, good decisions, and a … Read more
When she was eight years old, “Susan” lived in the backseat of a Chevy with her parents and two brothers. Today, she has more than $3 million invested for retirement. And yet, she still saves every twist-tie from the bread bag—just in case. I’ve sat across the table from clients who once relied on food … Read more
You can’t drive your financial future by staring at the past. Picture this: You’re at a dinner party. Someone’s bragging about how they made a killing on [insert trendy investment of the year]—and suddenly your own strategy feels… underwhelming. Should you have jumped in on that trend? Are you being too cautious? Is your portfolio … Read more
By Richelle Hofer, CEO & Financial Advisor at Impact Wealth Management This post is deeply personal. It’s a reflection I wrote the night before my youngest son graduated from high school—and the season of life that followed. I’m sharing it here not just as a financial advisor, but as a mom entering a new chapter. … Read more
Because building wealth is only half the goal—the other half is making it matter. If you’re a millennial with a million-dollar investment portfolio (or on your way there), congrats. You’ve done something rare and remarkable—and odds are, you didn’t get there by accident. Maybe you built a business, crushed it in tech, or inherited wealth … Read more
If you’re getting close to retirement and working with a financial advisor, chances are you’ve been pretty organized. Most of the prospective clients I meet for the first time come in with: But there’s one question that almost always stumps them: “How much are you spending each month?” It’s the most important—and most underestimated—part of … Read more
At first glance, financial planning seems like a numbers game: How much have you saved? What’s your withdrawal rate? How are your investments performing? But beneath all those numbers, there’s a deeper, quieter question that lives at the core of every financial plan: How much is enough? It’s not a question most people ask out … Read more
Life, Liberty, and the Pursuit of What Exactly? As we approach the Fourth of July, I’ve been reflecting on that iconic phrase from the Declaration of Independence: “Life, Liberty, and the Pursuit of Happiness.” It’s a bold promise. And yet, somewhere along the way, many of us swapped that last word. We replaced happiness with … Read more
Are You Still Doing Things You Don’t Have To? When you start thinking about to enjoy retirement, you’re probably focusing on what to start doing—travel more, pick up hobbies, spend time with family. But just as important is knowing what to stop doing in retirement. Why? Because the habits that served you during your working … Read more