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When Do You Need a Will? Ready for Retirement? Estate Management 101

Welcome to Algoma Financial Group LLC

Our main focus is to help our clients prepare themselves for retirement and avoid the pitfalls along the way. The art of financial advising allows us to gain knowledge about your individual situation in order to help you prepare for your future retirement. Whether you call it Financial Planning, being a Fee-Only Advisor, being a Financial Planner, or just needing someone to consult with, we do it all. We are the specialists you need in the Town of Algoma, Oshkosh, and the surrounding Fox Cities.

Do you have a 401K or IRA that needs looking at? We do 401K Rollovers and IRA Rollovers and we make it as simple as possible. Sometimes individuals move from job to job and leave their small or medium sized 401K in the dust. Those assets are still yours and we can help get them working for you and your retirement today!

Are you close to retirement? Don't worry, even if you haven't planned as much as you should have, we will use our knowledge and skill to help you through your retirement no matter what your situation looks like. We can help you with your income planning in retirement no matter what your means are. Sometimes the most important things are the decisions people make about assets that almost everyone receives. We can help you with Social Security analysis because when you start taking Social Security has many implications.

What about your health insurance needs as you approach retirement? What if your spouse is still in her low 60’s and not eligible for Medicare like yourself? Our specialty is helping your spouse bridge the gap until Medicare Eligibility whether they have a pre-existing condition or not. We can help you with decisions about Medicare and whether a Medicare Advantage or Medicare Supplement suits your needs better. We can also help you analyze which Prescription Drug Plan best suits you.

As we lead into the next generation Long Term Care Planning will become more of a necessity than it already is. Nobody likes to talk about the topic but it’s important that we have this conversation and cover that need.

Please come get to know my son and me so that we may build a relationship with you. Trust does not happen overnight but it builds with the first handshake. Let’s forget about the markets and financial business for a minute and just get to know each other. Give us a call or stop in today!

(920) 233-4375

Helpful Content

Caring for Aging Parents

Caring for Aging Parents

As our nation ages, many Americans are turning their attention to caring for aging parents.

Can Group, Private Disability Policies Work Together?

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

Social Security: The Elephant in the Room

Social Security: The Elephant in the Room

Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed.

 

Don’t Be Your Own Worst Enemy

Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.

Three Key Questions to Answer Before Taking Social Security

When to start? Should I continue to work? How can I maximize my benefit?

Understanding Homeowner’s Insurance

Purchasing homeowners insurance is critical for protecting your home.

Will Power

Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.

Insurance Needs Assessment: For Empty Nesters and Retirees

Do your insurance needs stay the same when the nest empties?

A Taxing Story: Capital Gains and Losses

Understanding how capital gains are taxed may help you refine your investment strategies.

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What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

What's My Potential Estate Tax?

This calculator helps estimate your federal estate tax liability.

Should I Pay Off Debt or Invest?

This calculator will help determine whether you should invest funds or pay down debt.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

Historical Inflation

This calculator shows how inflation over the years has impacted purchasing power.

Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

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Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

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Bridging the Confidence Gap

In the world of finance, the effects of the "confidence gap" can be especially apparent.

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

Your DNA Test

If your family relies on your income, it’s critical to know what their needs would be in the event of your death.

Rightsizing for Retirement

What does your home really cost?

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

What Smart Investors Know

Smart investors take the time to separate emotion from fact.

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