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.
U.S. Personal Savings Rate
What can be learned from the savings rate?
Global vs. International: What’s The Difference?
International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.
When Heirs are Imperfect
The money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.
Business owners may be able to protect themselves from the financial consequences of losing a key employee.
Solve a mystery while learning how important your credit report is with this story-driven interactive.
For homeowners who think their property taxes are too high, there are ways to appeal.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Retirees traveling abroad need to know that their health insurance travels with them.
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
This calculator will help determine whether you should invest funds or pay down debt.
Assess whether you are running “in the black” or “in the red” each month.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Estimate how much you have the potential to earn during your working years.
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.
Investment tools and strategies that can enable you to pursue your retirement goals.
The importance of life insurance, how it works, and how much coverage you need.
How federal estate taxes work, plus estate management documents and tactics.
There are some smart strategies that may help you pursue your investment objectives
Agent Jane Bond is on the case, cracking the code on bonds.
Have you found yourself suddenly single? Here are 3 steps to take right now.
A bucket plan can help you be better prepared for a comfortable retirement.
It's easy to let investments accumulate like old receipts in a junk drawer.
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
There are hundreds of ETFs available. Should you invest in them?