Understanding Today’s Financial Environment
Welcome, I’m Michael Hammen, a financial professional and owner of Advantage Financial & Tax Services in West Des Moines, IA. We understand that individuals and households face increasingly complex financial challenges as we navigate our way through life.
A few questions you may have. For example:
Are we saving enough for retirement? How does retirement savings impact my tax situation? How much can I save each year? What can I expect to receive at retirment in the form of income? How can I save on my income taxes each year? Can I save for my kids/grandkids college expenses? How much life insurance do I need? and other simular questions.
Our professionals have years of experience in financial services. We can help answer many of those questions, and assist you moving forward.
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A Primer on Irrevocable Life Insurance Trusts
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
One of the most common questions people ask about Social Security is when they should start taking benefits.
Even if you’re young and single, you should still consider protecting yourself.
There are ways to improve your physical fitness without denting your fiscal fitness.
Knowing the rules may help you decide when to start benefits.
The uncertainties we face in retirement can erode our sense of confidence.
There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Use this calculator to compare the future value of investments with different tax consequences.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help you estimate how much you may need to save for retirement.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Investment tools and strategies that can enable you to pursue your retirement goals.
Principles that can help create a portfolio designed to pursue investment goals.
Using smart management to get more of what you want and free up assets to invest.
How federal estate taxes work, plus estate management documents and tactics.
There are some smart strategies that may help you pursue your investment objectives
The chances of needing long-term care, its cost, and strategies for covering that cost.
Recent changes in estate tax laws could affect the strategy you have in place.
The market is as unpredictable as the weather. We’d love to help you prepare.
There are three things to consider before dipping into retirement savings to pay for college.
Agent Jane Bond is on the case, discovering how bonds diversify a portfolio.
Making the most of surprises is a great reason to work with us.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.