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
Tax Deductions You Won't Believe
Here are some examples of deductions from the IRS that were permitted and some that were, uh, too creative.
How Stocks Work
Understanding how a stock works is key to understanding your investments.
Universal Life Insurance
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities.
Here are six flags that may make your tax return prime for an IRS audit.
Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.
Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?
This worksheet can help you estimate the costs of a four-year college program.
Estimate your monthly and annual income from various IRA types.
This calculator can help determine whether it makes sense to refinance your mortgage.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
This calculator compares the financial impact of leasing versus buying an automobile.
Determine your potential long-term care needs and how long your current assets might last.
Estimate how much of your Social Security benefit may be considered taxable.
Learn more about taxes, tax-favored investing, and tax strategies.
A presentation about managing money: using it, saving it, and even getting credit.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Principles that can help create a portfolio designed to pursue investment goals.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
How federal estate taxes work, plus estate management documents and tactics.
Here are 3 steps to take right now that may make a difference if you find yourself suddenly single.
Agent Jane Bond is on the case, covering how bond laddering works.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Understanding the cycle of investing may help you avoid easy pitfalls.
Tulips were the first, but won’t be the last. What forms a “bubble” and what causes them to burst?
What are your options for investing in emerging markets?