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
Volunteering in Retirement
For many, retirement includes contributing their time and talents to an organization in need.
Red Flags for Tax Auditors
Here are six flags that may make your tax return prime for an IRS audit.
Variable Universal Life Insurance
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
Entrepreneurs all face the same question, “Which business structure should I adopt?”
Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Bonds may outperform stocks one year only to have stocks rebound the next.
There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement.
There are a number of reasons for business owners to consider a business succession plan sooner rather than later.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Estimate the total cost in today's dollars of various mortgage alternatives.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
This calculator compares the financial impact of leasing versus buying an automobile.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator can help you estimate how much you may need to save for retirement.
How federal estate taxes work, plus estate management documents and tactics.
There are some key concepts to understand when investing for retirement
There are some smart strategies that may help you pursue your investment objectives
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Learn more about taxes, tax-favored investing, and tax strategies.
There are a number of ways to withdraw money from a qualified retirement plan.
How will you weather the ups and downs of the business cycle?
Estate conservation is too important to put off. Do you have a smart exit strategy?
Here are five facts about Social Security that might surprise you.
Why are 401(k) plans, annuities, and IRAs so popular?
If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.
A special needs trust helps care for a special needs child when you’re gone.