Click here to learn more about our financial professionals by visiting FINRA's BrokerCheck.


At HPK Provident Advisors, our goal is simple: reduce the stress and complexity surrounding finances and investing. That’s why we’ve developed our D.R.E.A.M. approach to financial planning.

D:Discover where you are currently, where you want to be, and how to get you there


R:Reduce stress. Money and financial planning oftentimes involve many questions and even more answers. Our goal is to help create a comfort level by organizing and simplifying complex topics.


E:Expectations. Setting expectations early, for us and you, further helps to alleviate stress and uncertainty in the financial planning process.


A:Action Steps. By creating a checklist of what needs to be done by each party, the planning process not only comes to life, it creates a tangible plan to be followed, reviewed and optimized at set intervals.


M:Move Forward: With all of the elements in place, your financial plan and stability can now be put in motion.

Relevant Topics

Below you will find a wealth of information covering everything from Social Security to advanced financial planning topics in both written and video formats. The topics we covered are diverse, but they are all designed to provide you with valuable information to help you with your overall financial planning.


Monday, October 4, 2021


Friday, August 20, 2021


Monday, August 9, 2021

Ever since the ten-year treasury’s rapid accent in February, inflation has become the primary concern for both the equity and bond market. However, since the slightly (& brief) hawkish tone out of the Federal Reserve in their May...


Thursday, July 15, 2021


Wednesday, June 16, 2021

Many investors own one or many mutual funds or ETFs, but don’t really understand what the underlying holdings consist of. You may scratch your head in certain years wondering why your portfolio underperformed the major indexes...


Show All

Wednesday, May 19, 2021

In a year of economic optimism, as we emerge from the recession brought on by Covid-19, we have seen substantial gains in the equity market while fixed income has wavered. Through the first quarter of 2020, fixed income--specifically...


Wednesday, May 12, 2021


Tuesday, May 4, 2021

Previously, the Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year had been automatically extended from April 15, 2021, to May 17, 2021.1 More time for allHowever...


Thursday, April 15, 2021


Monday, August 17, 2020

If your boss took 6.2% of your gross wages and told you that they’d give it back to you later in life, would you pay close attention to where that money went? When it came time for your boss to pay you back for all that money...


Friday, July 24, 2020

Does it make sense to invest in gold? David Harper, our resident coin collector, sharing his opinion on the matter.


Wednesday, July 22, 2020

What a year 2020 has been, and like no other in the history of the UnitedStates. Pandemic struck forcing the government to close the economyand push the United States into a recession. After a 34% stock marketdecline in the matter of...


Friday, July 10, 2020

Does it make sense to pay off debt or invest?


Thursday, June 11, 2020


Monday, April 20, 2020



Tuesday, April 7, 2020


Sunday, April 5, 2020

Micheal Kutch, CFA Discussing what impact the Coronavirus is having on the markets and what Seasons Financial Advisors is doing in response.


Wednesday, April 1, 2020



Wednesday, April 1, 2020

We at Seasons Financial Advisors are Social Security enthusiasts, so thought we'd recognize National Social Security Month with some updates and ideas. First things first, sign up for a "my Social Security" account at https://www.ssa...


Tuesday, March 17, 2020

As we enter a new week, it appears volatility in the market is here to stay. The market continues to have big swings both up and down at levels that we have never seen before. Algorithmic (computer driven trading) certainly is a big...


Tuesday, March 3, 2020

Fear of the spreading coronavirus spooked investors as the market dropped double digits last week. Reported cases have now exceeded ninety thousand, with three thousand deaths most of which have been specific to China. What really sent...


Friday, January 17, 2020

Some of you may have been watching our posts and thought “Oh no, I may have made a mistake when I claimed Social Security”. Is there anything you can do? Well, depends. Let’s go to the rule book. You can reverse a...


Friday, January 17, 2020

Very often we’re asked if there are consequences to working while you are receiving benefits. And of course the answer is “it depends”. Here are the simple rules. Once you reach Full Retirement Age you can make as...


Friday, January 17, 2020

“Will Social Security be there for me” is probably the number 1 question we receive, and like most government programs the answer is “it depends”. Let’s start with the current facts. According to the 2019...


Friday, January 17, 2020

If you were born in 1958 you'll be turning 62 in 2020. For many, reaching age 62 is exciting because it's the first age you can begin collecting Social Security retirement income benefits. That's the good news, you're now eligible for...


Friday, January 17, 2020

Many people treat Social Security as if it’s a social safety net program, meaning there is a life event and the government steps in to help out. Think of a natural disaster - tornado comes through town and the Federal Emergency...


Wednesday, December 19, 2018

Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the website, Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know how...