HWM Insights

07.27.25 -- Last week an HVAC owner asked why buyers weren't lining up for his company—even though it clears over $1 million in adjusted EBITDA. He was speaking owner-operator language to buyers who think in... >>

07.20.25 -- While reviewing a business owner's 401(k) recently, I noticed it still operated on a revenue-sharing model—once common, but now outdated. When the provider casually mentioned that fees could be... >>

07.13.25 -- I regularly see this pattern: successful businesses run by owners who feel financially vulnerable. Revenue is strong. The company is growing. But when we talk about personal financial security,... >>

07.06.25 -- My kids compete in tournament-level sports. I watch them practice relentlessly, master techniques, build strength and endurance. I see how hard they work. At tournaments, everyone is good. Good doesn't... >>

06.29.25 -- The popularity of Roth IRAs has exploded in recent years—and for good reason. Strategic Roth 401(k) contributions, timely conversions, and tax-free growth potential have made them more popular, with... >>

07.08.25 -- The new tax law (H.R.1) makes permanent what was supposed to sunset and creates new planning considerations for 2025. The moves you make now will make a difference later. Here's the breakdown by the... >>

06.22.25 -- The statistics are compelling: 72% of small businesses are optimistic about AI, and 66% are already seeing gains. Business owners are working smarter, faster, leaner. But productivity and prosperity... >>

06.15.25 -- By mid-year, most business owners have a clear sense of how the year is shaping up—and enough time to influence the outcome. Last week, we covered five foundational conversations every business... >>

06.01.25 -- Last week, I wrote about what it costs when you're the system — when your business relies too heavily on you to function. This week builds on that idea. Once your business runs more smoothly, the... >>