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 firstname.lastname@example.org
2015 National Conference: Kevin Hermening from First Allied on Vimeo.
Personal Finance Tips for Military Families
Military families face unique challenges, making personal finance even more critical.
Spotting Credit Trouble
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Social Security: Five Facts You Need to Know
Here are five facts about Social Security that are important to keep in mind.
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
As our nation ages, many Americans are turning their attention to caring for aging parents.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Here are some examples of deductions from the IRS that were permitted and some that were, uh, too creative.
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
Assess whether you are running “in the black” or “in the red” each month.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Assess how many days you'll work to pay your federal tax liability.
This calculator will help determine whether you should invest funds or pay down debt.
Estimate how much of your Social Security benefit may be considered taxable.
There are some key concepts to understand when investing for retirement
Using smart management to get more of what you want and free up assets to invest.
Learn more about taxes, tax-favored investing, and tax strategies.
Principles that can help create a portfolio designed to pursue investment goals.
The importance of life insurance, how it works, and how much coverage you need.
There are a number of ways to withdraw money from a qualified retirement plan.
$1 million in a diversified portfolio could help finance part of your retirement.
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
If you have a 401(k) with a former employer, you may want to consider an IRA rollover.
What are your options for investing in emerging markets?
The question used to be how low can interest rates go. Now it's how long can rates remain at their historic low levels?
Have you explored all of your choices when it comes to managing your taxable income?