HALCYON PROFESSIONAL ADVISORS, LLC

316 2nd Avenue SW, Suite 300 Cullman, AL 35055

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Retroactive Social Security Benefits: A Chance to Turn Back Time

Beneficiaries who postpone claiming Social Security past full retirement age have the option of receiving a lump-sum payment for up to six months of benefits when they finally apply.
Convertible Bonds Straddle the Line Between Fixed Income and Potential Growth

A convertible bond is a regular corporate bond that comes with a special added feature: the investor has the right to convert it into shares of that company’s common stock.
HOT TOPIC: Moody’s Downgraded U.S. Debt — Does It Matter?

On May 16, 2025, Moody’s Ratings downgraded U.S. government debt from its highest rating of Aaa to Aa1. This article looks at the reasons for the downgrade and its potential effects.
Three Ways to Help Build Financial Resilience

Here are some steps to help handle challenging times and potentially emerge even stronger.

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.
Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.
Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.
Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.