Welcome to Hermening Financial Group
Gain from an independent perspective.
Hermening Financial Group LLC is an independently owned financial consulting firm with more than 25 years of dedicated personalized service to our clients. Our independence allows us to offer you an unbiased objective approach to serving your investment needs. With offices in Eau Claire, Manitowoc, Stevens Point, Wausau and Wisconsin Rapids we are pleased to offer our comprehensive financial planning and investment services to a broad range of clients. If you have income and expenses, we can help you do better financially by adding value to your financial life.
Whether you are just starting to save for your future, or are a seasoned investor, Hermening Financial Group has the financial management experience to direct you towards reaching your objectives. We also offer financial and investment services through First Allied Securities to business owners and their employees. Our commitment is to always provide unbiased advice, impeccable service, and diversified financial resources to serve your individual needs … that’s one benefit of an independent perspective.
Have a question for us? Call (800) 795-7586 or email us at email@example.com
A Look at Whole Life Insurance
Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
A Primer on Irrevocable Life Insurance Trusts
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
Volunteering in Retirement
For many, retirement includes contributing their time and talents to an organization in need.
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
Being healthy not only makes you feel good, it may also help you financially.
When your child has income, there’s a good chance that he or she will need to report it and pay taxes.
Life insurance proceeds are generally tax-free. But not in all cases.
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Estimate how much of your Social Security benefit may be considered taxable.
Estimate how long your retirement savings may last using various monthly cash flow rates.
This calculator can help determine whether it makes sense to refinance your mortgage.
Assess whether you are running “in the black” or “in the red” each month.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
Learn more about taxes, tax-favored investing, and tax strategies.
Principles that can help create a portfolio designed to pursue investment goals.
Investment tools and strategies that can enable you to pursue your retirement goals.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
There are some smart strategies that may help you pursue your investment objectives
Do you have causes that you want to support with donations? Here are three tips.
What if instead of buying that home, you invested that money?
Taking your Social Security benefits at the right time may help maximize your benefit.
Women are great at multi-tasking. But many drop the ball when preparing for retirement.
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.