Welcome to my Web site! Here you will find a wealth of information in the form of newsletter articles, calculators, and research reports.
Book a meeting with Hatem
About My Practice
My name is Hatem Elshimy, a financial professional with Principal® Financial Network based in San Diego, California.
I began working in the financial services industry in 2013 and have more than a decade of experience in the investment field, including several years focused on financial planning. I work with individuals, families, and business owners to help them better understand their finances and make informed decisions over time. My work includes financial planning, investment strategies, retirement planning, insurance, and planning considerations for business owners. I primarly serve first and second genration immigrants in Southern California and bring a perosnal perspective to the relationships.
Here's how I can help
Individual Planning Services
You want to be ready for what comes next in your life. Whether you're close to retirement or just starting out, I can help with a financial strategy that's tailored to fit your needs right now and going forward.
| Prepare for what's next | Set realistic financial goals |
| Getting married | Maximizing retirement contributions |
| Buying a home | Eliminating debt |
| Starting a family | Investing for the future |
| Saving for college | Reviewing investments |
| Dealing with divorce | |
| Living in retirement | |
| Protect what matters most | Create your legacy |
| Income | Estate planning strategies |
| Loved ones | Charitable giving |
| Assets |
Business Planning Services
Do you ever feel like advice often comes in a one-size-fits-all package? We know every business is different, so we start by getting to know your business and you first. Whether you're looking to protect what you've built, retain top talent or recruit new employees, we've got you covered.
After all, it's more than just a business. It's personal. And that's why we go beyond the basics to create a plan that covers what matters most to you.
| Your business | Your employee | Your life |
| Business transfer strategies | Retirement plans | Business owner strategies |
| Key person protection | Group benefits | Disability income protection |
| Business protection | Key employee benefits | Legacy and estate planning |
Education & Credentials
- FINRA Series 7 & 66 securities registrations
- Fluent in speaking, writing, and reading Arabic and English
About Me
- My interests include staying active through hiking, boxing, soccer and pickleball. I enjoy attending concerts particiapting in imporv, meeting new people, and staying engaged in professional and community groups.
Newsletters
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New Auto Loan Interest Deduction Explained
The One Big Beautiful Bill Act (OBBBA) provides an annual deduction of up to $10,000 for interest paid on qualifying new auto loans, effective for tax years 2025 through 2028.
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HOT TOPIC: Will Tax Law Changes Impact Your Giving Strategy?
New tax rules will determine the deductibility of donations in 2026 for better or worse, which means taxpayers may want to rethink the timing and amount of their donations for 2025 and beyond.
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HOT TOPIC: The Fed Lowers Rates in an Economic Balancing Act
This article looks at the Fed’s dilemma in setting monetary policy to address slowing employment with rising inflation, and the potential effects of lower rates on businesses and consumers.
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Locked Out? How to Break Into Today’s Housing Market
Homeownership can still be an attainable goal, but it may take more planning, flexibility, and creativity than it did in the past.
Calculators
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Savings Accumulation
Estimate the future value of your current savings.
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Tax-Deferred Savings
Compare the potential future value of tax-deferred investments to that of taxable investments.
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Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.
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Life Expectancy
Knowing your likely life expectancy is an important factor in making long-term financial plans.