<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Hovis & Associates - David K. Hovis - Festus, MO and St. Louis, MO]]></title><description><![CDATA[www.hovisfinancialservices.com]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Mon, 09 Nov 2026 13:44:12 GMT</lastBuildDate><atom:link href="https://hovisfinancialservices-09111327.brqaaccount.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Trump Accounts: A New Way to Give Your Kids a Real Financial Head Start]]></title><description><![CDATA[If you’re a parent or grandparent thinking about your child’s long-term financial future, the new Trump accounts could be one of the most interesting tools to hit the market in years. They’re not a replacement for 529 plans or Roth IRAs, but they offer something unique: the ability to start serious, tax-advantaged investing the day a child is born—without needing earned income. Here’s the straight talk on how they actually work, where they shine, where they fall short, and—most importantly—how s]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/trump-accounts-a-new-way-to-give-your-kids-a-real-financial-head-start</link><guid isPermaLink="false">6af1ca93503587e3173ad883</guid><pubDate>Tue, 05 May 2026 14:23:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/26d586_b208117f1d55430a9ef41db816f1aca6~mv2.webp/v1/fit/w_940,h_788,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Why Family-Owned Firms Often Serve Investors Better Than Big Corporations]]></title><description><![CDATA[For over half a century, Equity Financial Group has remained proudly independent and family-owned. In a world dominated by corporate firms and call centers, here’s why that difference matters more than ever — especially when it comes to your financial future.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/why-family-owned-firms-often-serve-investors-better-than-big-corporations</link><guid isPermaLink="false">6af1ca93503587e3173ad884</guid><pubDate>Tue, 17 Mar 2026 15:06:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/26d586_ad96bc02cda24adc9fd18125ea13a7fa~mv2.png/v1/fit/w_864,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[The Best Age to Buy Long-Term Care Insurance]]></title><description><![CDATA[Waiting too long to purchase long-term care insurance can result in higher premiums or being turned down for a policy.  Here we discuss the optimal age range to buy this protection.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/the-best-age-to-buy-long-term-care-insurance</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4fc</guid><pubDate>Tue, 01 Nov 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Smoothing the Road to Retirement]]></title><description><![CDATA[As you begin the process of retiring, you face many decisions.  Learn all the ways Hovis &#38; Associates can help smooth the road to retirement.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/smoothing-the-road-to-retirement</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4fe</guid><pubDate>Sat, 01 Oct 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Weighing the Pros and Cons of Variable Annuities]]></title><description><![CDATA[Considering adding a variable annuity to your portfolio?  Here we discuss some of the pros and cons to help you weigh if they are a good fit for you.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/weighing-the-pros-and-cons-of-variable-annuities</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4fa</guid><pubDate>Thu, 01 Sep 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Time in the Market]]></title><description><![CDATA[Trying to time the market often results in below-average returns.  Instead, time in the market is the key.  Read more about the distinction between these two in our monthly blog.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/time-in-the-market</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4fd</guid><pubDate>Mon, 01 Aug 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Financial Foundations:  Suitability &#38; Risk Tolerance]]></title><description><![CDATA[One size does not fit all when it comes to investments.  Before buying the latest trendy stock, do your homework or talk to a financial professional to understand if it’s an appropriate addition to your portfolio.  Our blog walks you through some things to consider before investing.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/financial-foundations-suitability-risk-tolerance</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4fb</guid><pubDate>Fri, 01 Jul 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[The Aftermath of Losing a Spouse]]></title><description><![CDATA[Knowing what needs to be done following the death of a spouse can be daunting.  This blog walks through some key things to consider first and how important it is to surround yourself with a trustworthy team to help you through the transition.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/the-aftermath-of-losing-a-spouse</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d500</guid><pubDate>Wed, 01 Jun 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Financial Foundations - Establishing a Good Credit Score]]></title><description><![CDATA[This blog is the fourth in a series about creating a good financial foundation.  We’ll discuss strategies for establishing a good credit score.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/financial-foundations-establishing-a-good-credit-score</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4ff</guid><pubDate>Sun, 01 May 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Creating Money Memories]]></title><description><![CDATA[As people reassess their priorities, consider creating “money memories” for you and your loved ones.  Our blog illustrates how these may be more valued and cherished than any cash gift.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/creating-money-memories</link><guid isPermaLink="false">6af1cca7c2ee3e3a7f30d4f9</guid><pubDate>Fri, 01 Apr 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Financial Foundations - FSA vs. HSA]]></title><description><![CDATA[Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) offer employees a way to pay for some medical expenses with pre-tax dollars.  Learn more about their rules and differences in this blog, the third in a series about creating a good, financial foundation.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/financial-foundations-fsa-vs-hsa</link><guid isPermaLink="false">6af1cca7100aad460cca8f86</guid><pubDate>Tue, 01 Mar 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Financial Foundations – Starting a Savings Strategy]]></title><description><![CDATA[This blog is the second in a series about setting up a good financial foundation.  We’ll discuss some rules of thumb for how much income you should save.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/financial-foundations-starting-a-savings-strategy</link><guid isPermaLink="false">6af1cca2100aad460cca8f6c</guid><pubDate>Tue, 01 Feb 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Out with the Old to Make Room for the New]]></title><description><![CDATA[Start your new year off right by organizing your files.  Our blog offers general guidelines on how long to keep different documents.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/out-with-the-old-to-make-room-for-the-new</link><guid isPermaLink="false">6af1cca3100aad460cca8f7b</guid><pubDate>Sat, 01 Jan 2022 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Holiday Gifting]]></title><description><![CDATA[The holidays are a perfect time to consider gifting money to your loved ones.  We discuss the gift limits and strategy considerations in our blog.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/holiday-gifting</link><guid isPermaLink="false">6af1cca2100aad460cca8f6a</guid><pubDate>Wed, 01 Dec 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Grateful for our Clients]]></title><description><![CDATA[As we near Thanksgiving, we send a note of thanks to our wonderful clients.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/grateful-for-our-clients</link><guid isPermaLink="false">6af1cca3100aad460cca8f78</guid><pubDate>Mon, 01 Nov 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Financial Foundations - Retirement Plans]]></title><description><![CDATA[Recent graduates often feel overwhelmed and confused with many of the financial decisions they are now forced to make.  To help ease that transition, we’ve created a blog series about starting out with a good, financial foundation.  The first in this series delves into employer retirement plans.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/financial-foundations-retirement-plans</link><guid isPermaLink="false">6af1cca3100aad460cca8f7a</guid><pubDate>Fri, 01 Oct 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[The Importance of Estate Planning]]></title><description><![CDATA[To illustrate just how important having your legal affairs in order is, this Estate Planning blog details a recent experience after losing a loved one.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/the-importance-of-estate-planning</link><guid isPermaLink="false">6af1cca2100aad460cca8f70</guid><pubDate>Wed, 01 Sep 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Saving for College with 529 Plans]]></title><description><![CDATA[It’s never too early to starting planning for college.  A tax-advantaged 529 college savings plan is a great way to invest for education costs.  Learn more about 529 plans in our blog.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/saving-for-college-with-529-plans</link><guid isPermaLink="false">6af1cca2100aad460cca8f69</guid><pubDate>Fri, 30 Jul 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[RMD Rules]]></title><description><![CDATA[Many clients with IRAs or retirement account have heard about Required Minimum Distributions or RMDs but they may not understand all the rules.  Check out our blog to learn about the rules to follow and the penalties to avoid.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/rmd-rules</link><guid isPermaLink="false">6af1cca2100aad460cca8f73</guid><pubDate>Wed, 30 Jun 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item><item><title><![CDATA[Establishing an Emergency Fund]]></title><description><![CDATA[Establishing and maintaining an emergency fund is one of those personal finance best practices that we learned in school but may have forgotten until faced with a crisis.  Read our blog to learn how much you should have tucked away for emergencies.]]></description><link>https://hovisfinancialservices-09111327.brqaaccount.com/post/establishing-an-emergency-fund</link><guid isPermaLink="false">6af1cca2100aad460cca8f76</guid><pubDate>Mon, 31 May 2021 12:00:00 GMT</pubDate><dc:creator>broadridge2</dc:creator></item></channel></rss>