Your Financial Journey with Tim Hilterman

What really happens to the stock market when the U.S. government shuts down? In this video, Certified Financial Planner Tim Hilterman breaks down the truth behind the headlines — separating political drama from economic reality. We’ll cover: ✅ What a government shutdown actually means and what stops vs. what continues ✅ How shutdowns have historically affected the economy and GDP growth ✅ Why m...

This video explains how Ohio’s new 2.75% flat-rate income tax creates opportunities to accelerate retirement savings. By lowering the state tax burden, more of your income can be redirected toward IRAs, 401(k)s, or other investment accounts—helping you build long-term wealth faster. Key Takeaways ✅ Ohio is moving to a 2.75% flat income tax – By 2026, most residents earning above $26,500 will pay...

When it comes to your money, not all financial advisors are created equal. The title “financial advisor” isn’t tightly regulated, which means almost anyone can use it — even if they don’t have the training, accountability, or fiduciary duty you’d expect. That’s where the CFP® designation makes all the difference. This week, we break down why choosing a Certified Financial Planner™ (CFP®) matters,...

In this week’s Your Financial Journey video, Tim Hilterman shares smart ways to put your Required Minimum Distributions (RMDs) to work. From reinvesting after-tax RMDs into low-cost ETFs, to using Qualified Charitable Distributions for tax savings, to funding 529 plans for grandchildren or even purchasing life insurance to leave a legacy—Tim highlights how strategic planning can turn mandatory wit...

In his latest Your Financial Journey video, Tim Hilterman explains why keeping your beneficiaries up to date is essential to protecting your legacy. He shares when to review your designations, key life events that should prompt updates, and how proper planning helps ensure your assets go exactly where you intend. This quick reminder underscores how a simple review can prevent future complications...

In this week’s video, Tim Hilterman, CFP®, breaks down one of the most overlooked updates in the new 2025 tax law: the tax bracket changes. Tim dives into a possible double secret inflation tweak impacting the first two tax brackets—something that could quietly affect millions of Americans. He unpacks why this hidden adjustment could mean more of your income gets taxed at a lower rate, and how hig...

In this week’s video, Tim Hilterman breaks down the New Big Beautiful Bill—highlighting 4 key changes you need to know and how they could impact your financial strategy. From tax updates to planning opportunities, Tim cuts through the noise to bring you clear, practical insights to help you stay on track and make smart moves going forward. #WhitakerMyersWealthManagers #YourFinancialJourney #person...

In this week’s Your Financial Journey, Tim Hilterman addresses a question on many investors' minds: What should I do when the market hits an all-time high? Tim cuts through the noise with historical data, real numbers, and practical perspective—focusing on facts over fear. He shares key insights and tips to help you stay confident and grounded in your financial plan, no matter what the headlines s...

In this episode of Your Financial Journey, Tim Hilterman unpacks the essentials of Exchange-Traded Funds (ETFs) in a way that’s easy to understand. He highlights how ETFs offer the trading flexibility of stocks and the portfolio diversification of mutual funds—all without the confusing financial jargon. Whether you're new to investing or looking to sharpen your knowledge, this is a great place to...

In this week’s Your Financial Journey video, Tim Hilterman highlights key financial milestones worth celebrating—from saving your first $1,000 to paying off your home and giving generously. Along the way, he shares the importance of progress, including saving more than 15% for retirement and building lasting financial freedom. You can find more information about Whitaker-Myers Wealth Managers at:...

In this episode of Your Financial Journey, Chief Financial Planning Officer Tim Hilterman tackles the timely question: “Are we in a recession?” Tim breaks down what a recession truly means, highlights key economic signals that typically precede one, and offers insight to help you feel more informed and confident in navigating your financial future. You can find more information about Whitaker-Myer...

In this episode of "Your Financial Journey," Chief Financial Planning Officer Tim Hilterman unpacks the latest updates on the “One Big Beautiful Bill” proposed by House Republicans on May 12. Tim breaks down what’s changing, what’s staying the same, and what it could mean for your financial future. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.co...

Over the past two months, the markets have experienced notable swings—an ideal case study to learn from and better prepare for the future. In this episode of Your Financial Journey, Chief Planning Officer Tim Hilterman highlights two major "portfolio killers" to avoid: emotional decision-making during downturns and the often-overlooked sequence of return risk. Be sure to use his scheduling link an...

In this week's Your Financial Journey, Chief Financial Planning Officer Tim Hilterman shares a powerful piece of advice from legendary investor Charlie Munger that reshapes how we think about wealth building. Rather than chasing dreams of millions, Hilterman zeroes in on one crucial milestone: the first $100,000. Through Munger’s wisdom, he explains why reaching this number unlocks far more than j...

In this week's Your Financial Journey with Chief Financial Planning Officer Tim Hilterman, Tim discusses recent updates to the Ohio STRS retirement plans, including changes to eligibility requirements that may allow some educators to retire sooner than they originally expected. He outlines four key steps for individuals nearing this new eligibility to consider, helping them assess their options an...

Chief Financial Planning Officer Tim Hilterman highlights three often-overlooked Social Security strategies that could significantly boost your retirement income. These include the Do-Over Rule, which allows you to reset your benefits, Voluntary Suspension to accrue delayed retirement credits, and Retroactive Benefits that provide a lump-sum payment under certain conditions. Understanding and leve...

Chief Financial Planning Officer Tim Hilterman, CFP®, reviews the past 50 years of bull and bear markets to provide a valuable historical perspective. By analyzing long-term market trends, Tim shares key insights and practical advice to help investors stay focused, confident, and prepared for what lies ahead. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitak...

Chief Financial Planning Officer Tim Hilterman and Co-Chief Investment Officer Summit Puri discuss the current market volatility and the importance of smart investing strategies, emphasizing diversification and the benefits of working with a financial advisor. They highlight the potential for market opportunities during downturns and the need for patience and perspective. You can find more informa...

Chief Financial Planning Officer Tim Hilterman of Whitaker-Myers Wealth Managers is talking sports... specifically, betting. He shares perspectives on the increasingly popular betting arena, sharing a few pros but mainly cons of how this can impact your financial well-being. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.com You can find more info...

Chief Financial Planning Officer Tim Hilterman of Whitaker-Myers Wealth Managers unravels the mysteries of "What FICA?" He explains what it is, how it works and shares some tips on how to reduce your FICA taxes. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.com You can find more information about Tim Hilterman at: https://www.whitakerwealth.com/o...

Chief Financial Planning Officer Tim Hilterman of Whitaker-Myers Wealth Managers reveals his top strategies for maximizing your most powerful wealth-building asset – your income! In this video, he shares his top 3 tips for saving, spending, and growing your income to build long-term financial success. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth...

Chief Financial Planning Officer Tim Hliterman of Whitaker-Myers Wealth Managers shares three key things to help keep you calm and patient during choppy markets. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.com You can find more information about Tim Hilterman at: https://www.whitakerwealth.com/our-te ...

Chief Financial Planning Officer Tim Hliterman of Whitaker-Myers Wealth Managers debunks the myth of the Mortgage Interest Deduction and shares a strategy we recommend for home ownership. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.com Y ou can find more information about Tim Hilterman at: https://www.whitakerwealth.com/our-te ...

Chief Financial Planning Officer Tim Hliterman of Whitaker-Myers Wealth Managers talks about how the US Penny has become outdated...much like the financial tips he suggests you drop and pick up his trusted plan instead. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.com You can find more information about Tim Hilterman at: https://www.whitakerweal...

Chief Financial Planning Officer Tim Hliterman of Whitaker-Myers Wealth Managers shares his top three financial principles he suggests you follow to help set you up for a successful financial future after landing your first job. You can find more information about Whitaker-Myers Wealth Managers at: https://www.whitakerwealth.com You can find more information about Tim Hilterman at: https://www.whi...