Financial Planning with Global Hill Wealth Advisor

Hello and welcome, everyone, to Season 2 of the Global Hill Wealth podcast! I’m your host, Mansoor Ahmad, founder and wealth advisor at Global Hill Wealth. I am beyond excited to kick off this season with an electrifying topic that’s making waves not just in the tech world, but across the entire landscape of finance and investment. Today, we’re diving into the incredible rise of Artificial Intelligence and the pivotal role of Nvidia in this game-changing revolution. Buckle up, because this is going to be an enlightening ride!

When you leave an employer (whether you’re changing jobs or retiring), your retirement plan doesn’t automatically move with you. You have to make a critical decision (or risk having that decision made for you in a way that’s better for the company or costs you money). Your employer plan is one of your most valuable retirement assets, and deciding where it should go next is a decision with plenty of pitfalls and opportunities. Handle it the right way, and you’ve protected your money’s tax-deferred growth and are in an optimal position for your current and future goals. Handle it the wrong way, and you’ve given yourself a surprise tax bill, exposed yourself to potential IRS penalties, or robbed yourself of potential future wealth. If you fall into any of these categories… I left my old company and I need to figure out what to do with my old plan I’ve got “zombie” plans sitting around and I’ve got questions about what I should do with them I’m at or nearing retirement and I need to figure out how to turn my retirement plan into income You’re in the right place. After you’re done listening this podcast, you’ll decide which of these strategies makes the most sense for your old retirement plan and know how to take the next steps that are right for you. Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.

The bear market and recent downturn have hit folks hard, and many are wondering how to get back on track financially.  This podcast has lessons learned and the essential steps to build your Recovery Roadmap. “Worried about an uncertain future? Now is an opportunity to hit the reset button and rebuild your strategy.” Historical lessons you can apply today The path to your “Recovery Playbook” What to do next? Sources: 1 https://am.jpmorgan.com/us/en/asset-management/gim/adv/insights/guide-to-the-markets/viewer 2 https://www.hartfordfunds.com/dam/en/docs/pub/whitepapers/CCWP045.pdf Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075. Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for informational purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.

You've recently discovered that a significant amount of money is on its way to you, or might even be sitting right now in your bank account. Maybe it's coming from an inheritance, or else it could be something like a lottery win or insurance payout. Most people might think it's exciting, but you're realizing you've got some mixed feelings about it. It's pretty common to be happy and relieved that you now have more money, and to be stressed out or worried about how you're going to handle it, too. You've got choices that you probably didn't have before to make positive changes to your finances. If you're like many Americans, you've got debt of some kind. Should you pay off all or a portion of it? If you have kids, should all or a portion be set aside for college in some way? Or instead, maybe this is the time to buy the larger house you've always wanted. Launch your own business and stop working for “the man." Travel the world. Take a work break for a little while. Money that comes in suddenly is often spent, seemingly, just as suddenly. But you don't want to lose all the money you've just come into. Fortunately, you can plan how to work with your windfall without spending it all right away. By avoiding the mistakes that others make and choosing the right options, you have the chance to make dreams come true. But what are those options and what are the mistakes that lead to all that money slipping right through your fingers? The challenge you're now struggling with is that you don't know what you don't know. The causes of sudden wealth are generally pretty similar. But the right way to handle it varies from recipient to recipient, according to your own circumstances, desires, and needs. Sources: 1 - https://www.irs.gov/faqs/interest-dividends-other-types-of-income/gifts-inheritances 2 - https://www.irs.gov/taxtopics/tc419 3 - https://www.irs.gov/pub/irs-pdf/p4345.pdf 4 - https://www.bbc.com/worklife/article/20181024-you-can-win-a-billion-and-go-bankrupt This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional. Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

How do you make investment decisions? Do you look at all the data? Search for an interesting opportunity? Surprisingly, most folks don’t look at the facts or data to make these choices. They prefer a good story.1 Maybe it’s not so surprising. A good story can worm its way into our subconscious faster than any facts can. That’s because research shows good stories appeal to our emotions and our values.2 They help make sense of the world, and they can be a powerful learning tool at any age.3 But that doesn’t always make stories a good foundation for investment decisions. Why? Because the stories we tell ourselves can cloud the facts.1 And if those stories are rooted in common myths about investing, anyone — even the smartest folks — can have a much harder time making sound investment decisions. So, what stories could be interfering with your financial choices? What investing myths could be misleading you or holding you back? Let’s find out in this podcast by looking at some common investing myths, how they can cost you, and what the facts really are. Sources: 1 - https://corporatefinanceinstitute.com/resources/knowledge/trading-investing/narrative-fallacy/ 2 - https://www.npr.org/sections/health-shots/2020/04/11/815573198/how-stories-connect-and-persuade-us-unleashing-the-brain-power-of-narrative 3 - https://www.brainfacts.org/neuroscience-in-society/the-arts-and-the-brain/2021/why-the-brain-loves-stories-030421 4 - https://www.cnbc.com/2022/01/25/long-term-investors-shouldnt-worry-too-much-about-stocks-being-10percent-off-their-highs.html 5 - https://www.cnbc.com/2021/09/25/did-you-panic-sell-during-the-latest-stock-market-dip-heres-when-to-get-back-in.html Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

What would you do if you couldn’t work for 1 month? 2 months? What about 3 years? Or worse… permanently. What would you do if you couldn’t work as quickly as you used to due to an injury? Or if you couldn’t do your job anymore so you had to scramble to find a job you could do with your diminished function? What would you say if someone asked you to name your most valuable financial asset? Many high earners believe their most valuable assets are their savings and investments. At this stage in your life, you probably have substantial savings in both your home, savings, and investment accounts. They’re the most significant part of your tangible asset portfolio. And yet, none of these is your most valuable asset. Still, you’ve put protection in place for these types of assets. Homeowners insurance, maybe an umbrella policy, and estate planning. Despite all this, you may not have safeguards around your most important treasure. So, if it’s not your retirement portfolio or your house, then what’s your most valuable asset? Your ability to earn. Questions you might be asking yourself include: Do I have any earnings safeguards in place right now? How would I replace my monthly income if something happened to me? What happens to my family if my medical costs eat into our savings and I’m not earning an income? How can I find a way to protect my income over both the short and long term, without spending too much money? If these questions strike a chord with you, keep Listening... Sources: 1 https://www.ssa.gov/disabilityfacts/facts.html 2 https://einsteinmed.org/administration/environmental-health-safety/accident-injury-reduction-campagin/top-injuries.aspx Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

If you’ve ever had to watch a loved one lose their capacity for living independently, you know how difficult it is for the whole family. Becoming impaired often starts with unexpected challenges… Like the inability to stand up after using the bathroom or to simply get out of bed. Over time, it gets worse. All too often, struggles with the normal activities of daily living are accompanied by the loss of dignity and rapid depletion of savings. You need assistance but might not want members of your family to handle more delicate tasks. Here’s the hard truth: hiring help for your “long-term care” is not covered by Medicare, nor by most employer or retiree health plans. Questions you might be asking yourself include: Am I likely to have the same loss of self-sufficiency as my loved one? How can I protect my ability to live independently for as long as possible? Who will help me with sensitive tasks like dressing myself, bathing, or even using the bathroom? What arrangements can I make now to safeguard my dignity and my legacy? If you’ve helped a relative through the process, you probably want to avoid the stress and loss of dignity that come with having your spouse and kids (or others) make decisions for you. You know that planning ahead will help you maintain your dignity and independence. But you’re not sure who can help you with your strategy, or what your options are. You’re in the right place. Sources: 1 https://www.aarp.org/caregiving/financial-legal/info-2018/long-term-care-insurance-fd.html 2 https://www.cdc.gov/nchs/products/databriefs/db355.htm  3 https://jamanetwork.com/channels/health-forum/fullarticle/2760146 4 https://www.genworth.com/aging-and-you/finances/cost-of-care.html 5 https://www.retirementliving.com/the-cost-of-aging-in-place-remodeling 6 https://www.realtor.com/advice/home-improvement/how-much-should-you-budget-for-home-maintenance-and-repairs/ 7 https://www.morningstar.com/articles/957487/must-know-statistics-about-long-term-care-2019-edition Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

“If you aim at nothing, you will hit it every time.” – Zig Ziglar That’s true for most aspects of life, including our finances. Most of us realize that. It’s why we set New Year’s resolutions—and why more than half of all Americans set some type of financial goal as a resolution each year.1 As great as setting goals is, it won’t accomplish much for you if you can’t achieve them. And, maybe not so surprisingly, the vast majority of people (92% according to the research) don’t achieve their goals.2 Why? Why do we (and I’m including myself here) struggle so much to meet the goals we set for ourselves? Is it because we don’t want to? Because we lack commitment? Not so much. One big reason behind our failures is that most of us lack a clear connection between our present reality and the future we’d like to achieve. That vagueness can cut the emotional ties to a financial goal, draining the passion and commitment that actually lie within us.3 When we don’t connect to our goals at a deep level, it’s easy to get off track and lose our momentum. So, how can we stay on track to achieve our financial goals? By reconnecting with the vivid emotions behind them and digging deeper to uncover our inner passions and motivations behind our goals.3 A simple way to dig deeper into the underlying reason for your financial goals is by peeling back the layers and asking yourself “why?” three times. For most people, financial goals take time to achieve. From spending less to saving more, these goals take consistent effort and action. They can require you to change your habits, make sacrifices, and stay the course for years. And that’s hard. But it can be a lot easier if you’re able to stay connected to the “why” and the passion behind your goals. Sources: 1- https://www.bankrate.com/personal-finance/smart-money/how-to-avoid-common-financial-mistakes/ 2-  https://www.inc.com/marcel-schwantes/science-says-92-percent-of-people-dont-achieve-goals-heres-how-the-other-8-perce.html 3-https://www.cnbc.com/2019/11/29/use-financial-psychology-to-crush-those-saving-goals.html 4- https://www.marketwatch.com/story/passion-budgeting-lets-you-keep-what-matters-most-yet-still-fix-your-finances-2019-01-25 Risk Disclosure:  Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

Most of us learned about money when we were kids. We picked up tips and lessons from those around us, and even learned things the hard way through firsthand experience. What are these lessons? Are there still more I should learn? This Podcast breaks down what you need to know. Sources: 1 -https://journals.sagepub.com/doi/full/10.1177/2167696819861467 2 - https://sjes.springeropen.com/articles/10.1186/s41937-019-0027-5 3 -https://www.forbes.com/sites/briannawiest/2019/02/13/this-harvard-study-says-the-happiest-people-have-more-time-and-less-money/?sh=15c9b4ca2ca8 4 -https://www.inc.com/jessica-stillman/happiness-california-berkeley-research.html 5 -https://thehill.com/changing-america/well-being/mental-health/482958-what-makes-people-happier-than-money-according-to 6 - https://www.capitalone.com/about/newsroom/2020-capitalone-mindovermoneystudytips/ Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific situation with a qualified tax professional. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

What inspires you to give? Most of us give for the same basic reasons. We want to help others, make a positive difference in the world—and giving feels good. It makes us happy, and it connects us to the causes we care about.1 Studies show that most charitable folks give according to their values or to support causes they care about.2 But they don’t always have a strategy around giving. Or a way to monitor for impact. How do you make the greatest impact with your giving? If you’re not sure, you’re not alone. Many folks are passionate about giving but don’t have a defined strategy. Even though strategic giving can pave the way for thoughtful donations of money, time, and resources. And that can help you figure out how to do the most good for the causes that matter most to you. Want to create your own charitable strategy? This podcast will help you to create your own giving roadmap. Sources: https://blog.philanthropy.iupui.edu/2019/11/20/why-do-people-give/#:~:text=Sara%20Konrath%20and%20Femida%20Handy,)%2C%20tax%20benefits%20(monetary%20private https://scholarworks.iupui.edu/bitstream/handle/1805/26654/bank-america-sept21.pdf?sequence=1&isAllowed=y Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

Are you worried about a major recession? Think the markets are about to come to a standstill any day now? “Yes,” is the answer from most folks these days.1 Same with most small business owners.2 And lots of so-called economic experts and talking heads on the news seem to agree too. Still, no one REALLY knows when the next recession will happen – or how severe it’s going to be.3 And worrying about it isn’t helpful or good for us. In fact, whether we are in a recession today, tomorrow, or whenever, it’s going to be more challenging to make money moves when your judgment’s clouded by recession anxiety. 4 So, how can you cope? What can we do to set our recession fears aside, make confident decisions, and weather the slowdowns better? Sources: 1 - https://www.cnbc.com/2022/08/01/66percent-worry-a-recession-is-coming-what-concerns-each-generation-most.html 2 - https://www.cnbc.com/2022/05/07/worried-about-a-recession-heres-how-to-prepare-your-portfolio.html 3 - https://www.cnbc.com/2022/07/08/how-to-cope-with-recession-anxiety.html 4 - https://www.cnbc.com/2022/01/25/long-term-investors-shouldnt-worry-too-much-about-stocks-being-10percent-off-their-highs.html 5 - https://gflec.org/wp-content/uploads/2021/04/Anxiety-and-Stress-Report-GFLEC-FINRA-FINAL.pdf?x85507#:~:text=In%202018%2C%20the%20FINRA%20Foundation's,discussing%20their%20finances%20is%20stressful 6 - https://abc11.com/recession-economy-gas-prices-food/12079648/ Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

Liquidating profitable investments generally means a hefty tax bill. But it doesn’t have to. In this podcast you will learn how you can lower your capital gains tax bill so you can keep more money in your pocket. Click to listen! Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

What’s up with cryptocurrency? This podcast explores what you need to know. Check it out! Without any intrinsic value, digital currency is incredibly vulnerable to huge price swings. That means a sudden boom — or bust — could take any investor for a wild ride. Cryptocurrency’s growing popularity and flashy headlines play to our emotions. The excitement and promises of big gains can push us to dive in before we really know the risks we’re taking on. If you understand the basics, though, you can resist the temptation that comes with crypto fever, and you can set more realistic expectations when it comes to digital currency. You’ll also be setting yourself up to make better, more rational decisions in the face of any new “hot” financial trend. SOURCES & DISCLOSURES 1-https://blog.chainalysis.com/reports/banks-cryptocurrency-exposure-risk-fincen 2-https://www.coindesk.com/retail-investors-own-crypto-survey 3-https://think.ing.com/uploads/reports/lIS_New_Tech_Cryptocurrencies_report_18092019.pdf 4-https://www.ncsl.org/blog/2018/08/16/cryptocurrency-currency-of-the-future-or-just-a-fad.aspx 5-https://money.usnews.com/investing/cryptocurrency/slideshows/whats-the-best-cryptocurrency-to-buy 6-https://www.researchandmarkets.com/reports/5012722/cryptocurrency-market-growth-trends-and?utm_source=GNOM&utm_medium=PressRelease&utm_code=ksfvr6&utm_ca +Global+Cryptocurrency+Market+(2020+t0+2025)++Growth%2c+Trends%2c+and+Forecasts&utm_exec=jamu273prd 7-https://www.smartcompany.com.au/startupsmart/news/hackers-11-billion-cryptocurrency/ 8-https://www.securitymagazine.com/articles/94627-19b-in-crypto-currency-stolen-by-hackers-last-year 9-https://www.consumer.ftc.gov/articles/what-know-about-cryptocurrency 10-https://www.consumer.ftc.gov/blog/2020/07/avoiding-cryptocurrency-scam 11-https://hbr.org/2017/01/the-truth-about-blockchain 12-https://www.cnbc.com/2021/02/25/nfts-why-digital-art-and-sports-collectibles-are-suddenly-so-popular.html 13-https://www.cbinsights.com/research/blockchain-disrupting-banking/ 14-https://hbr.org/2017/03/the-blockchain-will-do-to-banks-and-law-firms-what-the-internet-did-to-media 15-https://www.cbinsights.com/research/report/blockchain-technology-healthcare-disruption/ 16-https://www.bnnbloomberg.ca/bitcoin-scales-us-51-000-for-the-first-time-amid-crypto-fever-1.1564567 Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

These days, many purpose-driven investors are starting to question what their portfolio is actually funding. Does your current portfolio align with your goals and personal beliefs? This podcast breaks down what you need to know. Check it out! Imagine knowing that every day… You’re not trading performance for integrity. You’re only supporting companies who align with your ethics. You’re actively making the world a better place with your money. You’re pursuing your financial goals while living your values. Because you have a strategy that combines your ethics, your beliefs, and your heart with your financial goals. ☎️ 866-722-7444 to book your FREE and customized Heart-Driven Planning Session now so you can get started with ethical investing. Source 1 https://www.cnbc.com/2020/11/05/sustainable-investing-is-surging-how-to-decide-if-its-right-for-you.html Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

What goals do you have for 2022? Maybe learn a new skill, or finally break a bad habit? No matter what your resolutions are, getting started is the hardest part. This podcast has 6 useful brain hacks based on neuroscience to help you get started on your resolutions and achieve your goals - check it out! What’s your success rate with New Year’s resolutions? How many have you actually kept? And how many have you given up on? Most of us are quitters when it comes to resolutions. Even with the best intentions, most of us give up on our resolutions a couple of weeks after New Year’s Day.1 That’s why the second Friday of January is National Quitters Day.2 In fact, no matter what your resolutions are — or what your success rate has been in the past — this year, you can do better. This time around it can be easier to make your resolutions really stick. How? With some surprisingly simple mental tricks based in neuroscience. These brain hacks take advantage of how our minds work. They can make it easier for us to change our habits. And they could be the key to keeping those resolutions you truly care about achieving. Sources- 1 - https://www.inc.com/jeff-haden/a-study-of-800-million-activities-predicts-most-new-years-resolutions-will-be-abandoned-on-january-19-how-you-cancreate-new-habits-that-actually-stick.html 2 - https://nationaltoday.com/ditch-new-years-resolution-day/ 3 - https://medium.com/swlh/the-power-of-habit-stacking-68115384ad6e 4 - https://www.forbes.com/sites/lidijaglobokar/2020/03/05/the-power-of-visualization-and-how-to-use-it/?sh=256600b96497 5 - https://www.verywellmind.com/the-incentive-theory-of-motivation-2795382 6 - https://www.bitcatcha.com/blog/gamify-website-increase-engagement/ 7 - https://www.lifehack.org/846364/keystone-habits 8 - https://www.psychologytoday.com/us/blog/the-adaptive-mind/201909/9-steps-create-changes-will-last

We’re facing historic levels of uncertainty, which can be frightening when it comes to your retirement. Especially if you’re within the “fragile decade” — the 5 years before or after retirement. Because the decisions you make (or fail to make) right now can determine the fate of your future. The coronavirus, bear market, and recession put many people’s retirement dreams in the “fog.” Which begs the question, “Is your future safeguarded against inevitable uncertainty?” In this podcast, you’ll find out how to answer these common questions that may be racing through your mind: How does the crisis impact my cash flow? What will I do if another recession strikes? How do I prepare for years of uncertainty? What moves should I be making? What should I NOT be doing? This podcast will only take you about 16 minutes to listen, and you’ll also learn: 3 easy steps to help protect your well-being, cash flow, and investments 2 very common mistakes to avoid at all costs The first step to create a clear path amid the “fog” of uncertainty If you’re questioning whether your retirement plan is on track to perform amid historic levels of uncertainty, you definitely want to listen this. The sooner you act on this, the better. Last thing… Pay close attention to “Don’t” #1. It’s the most common mistake, and it could set you down a path that can be very challenging to recover from. After you read it, contact me with any questions you have.  ☎️ 866-722-7444 📧 mansoor@ghwallc.com ----------------------------------------------------------- Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

If you’re a high-earner under 45 you may be wondering: Is my dream lifestyle even possible? New opportunities offered by today’s financial technology can be overwhelming, but old wealth-building strategies from your parents' generation don’t really fit, either. Learn how to cut through the clutter of today’s strategies while keeping only the best from the last generation in this podcast. While you’re already aware that you need to start planning for your future, you probably don’t have the kind of nest egg that your parents have. Their financial solutions are probably not the right ones for you. You’ve got more technology available, which is both a blessing and a curse. While some of your life stages might be similar to theirs, the ages at which you reach them could be drastically different. The environment that you grew up in and are now earning money in is definitely different from theirs. What you need is a modern approach that blends contemporary information with the tried-and-true money management from previous decades (or centuries). And it’s critical to do so now so that your goals are achievable. Having too much data can leave you stuck in analysis paralysis, leaving you unable to take the necessary next steps. Some of the information firehose comes from those that campaign for the latest Cool New Thing. Some of it comes from older generations with old-fashioned money management techniques. It’s easy to be overwhelmed, but you need to be smart about the information you’re taking in. It’s critical for you to have your strategy and implement it before age 45, and the sooner the better. That way you’re prepared when life happens, so you don’t lose your nest egg due to scary life surprises. Not to mention that the sooner your investments can have a positive impact on the world, the brighter the financial future will be. Sources: 1 - https://educationdata.org/student-loan-debt-by-generation 2 - https://crr.bc.edu/wp-content/uploads/2019/01/IB_19-3.pdf 3 - https://www.scirp.org/journal/paperinformation.aspx?paperid=104575 Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

Does the thought of a 10% stock market drop make your stomach drop? Maybe you recall the jitters and anxiety when the last crash came through, and you watched the value of your investments fall… and fall… and keep falling. Unfortunately, you can expect sharp drops in the stock market at any time. Today, tomorrow, next week. It can happen suddenly, and without warning. Even within recent memory, there was the dotcom boom-and-bust, and the Great Recession of 2008-2009, where the stock market lost 48% of its value from peak to trough.1 Those who fared the worst were the ones who sold their stocks as the market kept falling and realized their losses. Watching the markets ebb and flow is like being a surfer watching the waves. Surfers don’t have the opportunity to do much when the water’s smooth or barely rippling. The fun doesn’t start until the monstrous waves start crashing. To a passerby, the waves look scary and dangerous. But to a surfer, all they see is opportunity. Just like surfing, in the stock market opportunity comes with fluctuations in the underlying environment. Surfers know that a big wave can mean a tremendous and awe-inspiring ride, but it can also mean a big wipeout. In the stock market, there are typically three reactions, as there are to any kind of potential bad news: fight, flight, or freeze. Sometimes doing nothing (or freezing) is the right thing to do. Of course, the trick is knowing which one is best for your personal situation! Unfortunately, it’s all too easy to take the wrong lessons from past recessions and market pullbacks, leaving you unprepared for a big wave when the next one hits. Knowing how to take those rides through rough and smooth will help you not only potentially build more wealth, but potentially lose less when the inevitable dips, recessions, and pullbacks occur. Just as waves are crucial to surfing, volatility is a feature of the market, not a bug. Given that no one knows when the next drawdown could occur, are you confident that you’ll be able to ride it out without losing your money … or your mind? This sensible strategy guide is designed for people who invest in the stock market — just like you — and want to make smart decisions about their money, no matter what’s happening in the financial sector. It will help you master the waves of volatility so you can take advantage of the opportunities that come your way when the ride gets rough. You’re probably asking yourself questions like: What happens to my money when the stock market takes a dip? Will I need to make changes to my lifestyle when there’s a drawdown in the market? Do I know when to stay put and when to flee or fight in different market situations? Are my investments properly situated for the next market movement? Do I have a financial professional who stays in touch with me to guide me even when things look bleak? If any of these struck a chord with you, keep listening… Sources: 1 - https://www.atlantafed.org/cenfis/publications/notesfromthevault/0909 2 - https://www.pewresearch.org/fact-tank/2021/11/24/inflation-has-risen-around-the-world-but-the-u-s-has-seen-one-of-the-biggest-increases/

Money is much more than a medium of exchange for goods and services. Money reflects our personal values and the hard work we put into earning it. How we treat money, save it and spend it, is a reflection of our internal beliefs — our money mindset. When it comes to money, we all have strongly held beliefs, whether or not we realize it. Many of these beliefs grew out of childhood and come from lessons we learned from our families or picked up through life experiences. Identifying and changing negative behaviors associated with your mindset are key to making the best financial decisions. If you're looking to understand how to shift your money mindset and improve it, I'm here to help. One of the best services I can provide is that of a financial coach and accountability partner. I'd be happy to chat with you and shed more light on your money mindset. Give my office a call at (866) 722-7444 or shoot me an email at mansoor@ghwallc.com. Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.

Who will have it better in retirement - Boomers or Millennials? New attitudes, technology, and medical breakthroughs could change how retirement looks in 2050. Learn about how retirement in 2050 may surprise you in this Podcast. Check it out! Sources: 1- https://www.cnbc.com/2020/09/21/new-retirement-living-more-boomers-shun-mega-developments.html 2-https://www.un.org/en/development/desa/population/publications/pdf/ageing/WorldPopulationAgein92019-Highlights.pdf 3-https://www.pnas.org/doi/10.1073/pnas.2019536118 4-https://money.usnews.com/money/retirement/articles/how-living-longer-will-impact-your-retiremen 5-https://money.usnews.com/money/retirement/social-security/articles/the-social-security-retirement-age-increases 6-https://www.aarp.org/retirement/social-security/questions-answers/is-the-full-retirement-age-going-up.html 7-https://www.urban.org/features/nine-charts-about-future-retirement 8-https://interestingengineering.com/life-in-2050-a-glimpse-at-medicine-in-the-future 9-https://interestingengineering.com/life-in-2050-a-glimpse-at-transportation-in-the-future 10 - https://www.hdi.global/infocenter/insights/2021/future-of-food/ Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Global Hill Wealth Advisors LLC is a registered investment advisor located in the State of Connecticut. Additional information about Global Hill Wealth Advisors LLC and its advisory persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the firm name or with CRD# 316075.