Richelle Hofer 
(Talking to Your Aging Parents About Their Finances—Before It’s a Crisis) Anna’s dad was part of what’s often called The Silent Generation. He was born during the Great Depression, served in the military, and prided himself on working hard, paying his bills, and keeping his affairs private. Money, to him, wasn’t something you talked about—it … Read more
On the surface, this conversation doesn’t sound like it has anything to do with money. But in real life, it almost always does. When we build retirement plans, we intentionally set money aside for things that matter: Then something subtle happens. Those plans start getting traded in. Not because the money isn’t there — but … Read more
Are You Actually Retiring Toward the Same Life? Most couples don’t fight about retirement. They assume they’re aligned. They assume they want the same kind of retirement.They assume the details will work themselves out. And sometimes… they do. But often, what I see isn’t conflict—it’s quiet drift. Two people heading toward retirement together, but picturing … Read more
(“You’re NOT an Imposter” Part Two) So many people reached out to me after I published the first “You Are Not an Imposter” blog – clients, friends, even people I’ve never met — to say that it resonated deeply. So many of us still carry pieces of our past into the way we think about … Read more
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