Hilary Hendershott

CFP®, MBA
Personal Finance, Retirement, Investing
38
Answers
6
Articles
“Hilary is the leading fee-only fiduciary financial advisor for women in the San Francisco Bay Area. Hilary's mission is to motivate women to be financially empowered. She has worked for more than 16 years with women to secure their financial futures. ”
Firm:

Hilary Hendershott Wealth Management, LLC

Job Title:

Financial Advisor in San Jose, CA - CEO

Biography:

After nearly 15 years in the financial services industry, Hilary Hendershott knew there was a gap in the marketplace- hundreds of thousands of women eager to be making wise investment decisions and a male-dominated financial industry that simply wasn’t meeting their needs.

Hilary believes that women need a female financial planner who speaks their language to empower them to make smart, safe, and proactive financial moves. Thus, Hilary Hendershott Wealth Management, one of the first and only female focused Registered Investment Advisory firms in the country, was born.

Hilary is a female financial advisor who serves women who have $500,000 or more in investable assets. Hilary provides her special version of the top tier wealth management services evolved investors expect, delivered in ways that feel more like a relaxing day at the spa than a tedious meeting with the accountant.

Hilary's clients and students are her top priority. She works with her clients in ways that work for them. For each course offering, Hilary present the material in multiple formats, so her clients have the tools she offers in the ways they can best use them. She makes use of technology, so her and her clients can work together across time zones and geographies. 

Hilary uses plain language, true stories, and the best of everything she has access to through her training, her relationships, and her “got your back” know how to help her clients transform their financial reality into the life of their dreams—the life that matches who they are…the life they most want.

Hilary is also the host of Profit Boss Radio, THE podcast for women and money.

Profit Boss Radio highlights powerful, wealthy women who have created success on their own terms. During these frank conversations, we pull back the curtain and reveal how some of the wealthiest women really think and feel about their money.

Hilary Hendershott is a financial advisor serving the San Francisco Bay Area including San Jose, San Francisco, Mountain View, Sunnyvale, Santa Clara, Morgan Hill, Los Gatos, Monte Sereno, Saratoga, Santa Clara, Palo Alto, Redwood City, Oakland, Berkeley, San Rafael and Marin

Education:

BS, Economics, Santa Clara University
MBA, Finance, Santa Clara University

Fee Structure:

Fee-Only

CRD Number:

5573791

All Articles
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All Answers
    Retirement, 401(k), IRAs, Taxes
To prepare for retirement, should I contribute to a Roth IRA or should my spouse and I be maximizing contributions to both of our 401(k)s?

Having both traditional IRA/401(k) dollars and Roth IRA/Roth 401(k) dollars is a great idea for retirement if you're able.

Since your 2018 income will be higher than the $199k income limit to contribute to a Roth IRA, you wouldn’t be able to this year unless you can lower your taxable income below the threshold.  Some ways to do that include, contributing more to your traditional 401(k) or contributing to a Health Savings account or Flexible Spending Account.

If you increase the contributions to your wife’s 401(k), maybe you could get your taxable income below the thresholds to then also be able to contribute to a Roth.

You could also check with each of your employers to see if your plans offer the Roth 401(k) option. 

Since you are 50, you can contribute $24,500 to your 401(k) this year and your wife can contribute $18,500.  Best of luck!

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