Equity design group

The Pros and Cons of a Big Tax Refund

November 8, 2018

Is receiving a big tax refund a reason to celebrate?

It may or or may not be; depending on several factors.

This week, Craig Siminski, of the Equity Design Group, shares a brief, engaging, and informative video, explaining some points to keep in mind relative to tax refunds.

To Watch "The Pros & Cons of a Big Tax Refund," Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Seven Classic Investing Quotes

November 1, 2018

Investing can be daunting, whether you are experienced or a beginner.

Even if you feel confident about your investing strategy, it can be easy to lose focus or make decisions based on emotion.

This week, Craig Siminski, of the Equity Design Group, presents seven quotes from successful investors, economists, and other insightful thinkers that may help provide perspective and focus for your own investing strategy:

"The individual investor should act consistently as an investor and not as a speculator."

— Benjamin Graham, investor, author, and teacher known as the “father of value investing.” A speculator takes large risks in the hopes of making large quick gains. An investor focuses on risk-appropriate strategies to pursue long-term goals.

"Don’t try to buy at the bottom and sell at the top. It can’t be done except by liars."

— Bernard Baruch, investor and presidential adviser. Trying to time the market may be tempting, but it rarely works, because...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected]om.

Please Remember to tell Craig the Green Bay News Network sent you!

Bear in the Woods: Emerging Markets Credit Crisis

October 25, 2018

On September 6, 2018, the MSCI Emerging Markets (EM) Index — which tracks stocks in 24 of the world’s largest developing economies — dropped 20% below its January high, a level of decline that is commonly considered a bear market. Hong Kong’s Hang Seng Index reached the same negative milestone a few days later. China’s benchmark Shanghai Composite entered bear territory in June.

In the meantime, the U.S. bull market continued its charge, with major indexes setting new highs despite escalating trade tensions.

What’s behind the big declines in emerging markets? This week, Craig Siminski, of the Equity Design Group, shares a timely article showing how the stalking bear in these economies might affect U.S. investors.

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Trade Troubles

The trade conflict between the United States and China is only one of several challenges facing emerging markets, but it has played a major role in recent declines. China, the world’s second-largest economy, is the giant of emerging markets, with trade relations around the globe. Any policy that threatens China reverberates throughout the developing world. And declines in Chinese stocks, which account for about 30% of the MSCI EM Index, have an outsized effect on the markets.

Credit and Currency

Although the threat of a trade war is serious, the deeper problem for developing economies lies in the credit markets. After the financial crisis, when interest rates in the United States, Europe, and Japan were at rock-bottom lows, investors were attracted to...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Social Security 101

October 18, 2018

This week, Craig Siminski, of Equity Design Group, shares with us some helpful information relative to Social Security:

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Social Security is complex, and the details are often misunderstood even by those who are already receiving benefits. If you’re looking forward to Social Security, whether in one year or 30 years, it’s important to understand some of the basic rules and options and how they might affect your financial future.

Full retirement age (FRA): Once you reach full retirement age, you can claim your full Social Security retirement benefit, also called your primary insurance amount or PIA. FRA ranges from 66 to 67, depending on your birth year (see chart).

Claiming early:   The earliest you can claim your Social Security worker benefit is 62. However, your benefit will be permanently reduced if claimed before your FRA. At age 62, the reduction would be 25% to 30%, depending on...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Key Tax Breaks for Business Owners

October 11, 2018

Are you a business owner?

Whether you have a home-based business or a traditional "brick and mortar" small business, you'll likely be interested in saving money on your taxes.

This week, Craig Siminski, of the Equity Design Group, shares some helpful information as Tax Season approaches.

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The Tax Cuts and Jobs Act has made the tax code more favorable for small businesses. Still, owners will want to take full advantage of every legal tax break they can find. The following deductible business costs could help reduce your 2018 tax bill. Be sure to consult with your tax professional before you take any specific action.

Home Office Deduction

Business owners who operate out of a qualifying home office have two available claiming options, either of which could result in a larger deduction. Whichever option the taxpayer chooses, the eligibility criteria are the same. To qualify for a deduction, a home office must be used in a trade or business — not to manage personal investments or pursue a hobby. It must also be used regularly and exclusively for business.

Under the original method, eligible taxpayers can write off a percentage of home expenses such as depreciation, rent, property taxes, insurance, utilities, maintenance, and repairs. The percentage is based on the square footage of...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

GIFT-GIVING SEASON IS APPROACHING!

October 4, 2018

Now that Fall is in the air, we know that the time of year during which we give and receive gifts is just around the corner.  

It's also a good time to consider our charitable gift-giving.

There are several different strategies available for planned giving, each with its own particular advantages and disadvantages:

Outright Gift

Charitable Lead Trust

Pooled Income Fund

Charitable Remainder Unitrust

Charitable Remainder Annuity Trust

Gifts of Insurance

To Learn More, Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

3 Potential Benefits of Dollar-Cost Averaging

September 27, 2018

Market Fluctuations mean that the market is sometimes up and sometimes down.

Dollar-cost averaging is a disciplined investing approach and is one way to ride out market fluctuations.

This week, Craig Siminski, of Equity Design Group, is providing free access to a brief and informative video that helps to explain this strategy - and how it may be of help to you.

Click Here to Watch "3 Potential Benefits of Dollar Cost-Averaging"

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

The Basics of Social Security Retirement Benefits

September 20, 2018

What will your retirement look like?  What are your sources of retirement income?

How well do you understand your Social Security Retirement Benefits?

Craig Siminski, of the Equity Design Group, is providing access to a brief, engaging, and informative video that can help you answer these questions.

Click Here to Watch "The Basics of Social Security Benefits."

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

A Map to Guide Your Family

September 13, 2018

If you have a legal will, you’ve taken an important step to help your family know your wishes and make appropriate decisions. But a will does not address all the complicated matters of your financial life.

You may have multiple bank, retirement, and investment accounts; insurance policies; a safe-deposit box; and more. You have bills to pay and perhaps a mortgage or other outstanding loans. And then there are the people you work with and depend on for financial and legal matters.

Now think for a moment about how your family would navigate this financial sea when you are gone. A letter of instruction can provide a map to guide your loved ones. Unlike a will, a letter of instruction has no formal legal status, so you can write it any way you choose.

But it could be just as important to help your ...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Risk Tolerance Is About You, Not the Market

September 6, 2018

Your risk tolerance should be a fundamental component of your investment strategy, based on your own situation rather than market performance. Your tolerance may drive some of the decisions you make when the market rises and falls, but it should only change as your own circumstances change. Here are some factors to consider.

Your time frame: In general, younger people can take higher risk because they have longer to recover from potential losses and to benefit from potential gains. However, if you have a more immediate goal, such as saving for college, your time frame may be shorter than if you were focusing primarily on retirement.

Your goals: You may have to assume more risk if you anticipate an expensive retirement lifestyle. However, be careful not to assume too much risk just because you want to spend more.

Other sources of income: If you are confident that you will receive retirement income from another source, such as a pension, a business, or an inheritance, you may be able to assume more investment risk. It’s generally not wise to...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Insuring Your College Student

August 30, 2018

It's Back-to-School time once again!  And this week, Craig Siminski, of the Equity Design Group, has some timely information for parents of college students:

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Sending a student off to college can be hectic — and insurance might not be at the top of the to-do list. But every college student has insurance needs that should be addressed.

Health Insurance

Health policies vary among schools, so be sure you understand the specific requirements and available options. Most schools offer a group health insurance plan, and some require coverage as a condition of attendance. However, the most cost-effective solution may be to keep your student on your family policy. (Young adults may be able to stay on their parents’ health insurance policies up to age 26.) Medical care at campus facilities is typically provided to students at a relatively low cost, but you may want to check whether campus facilities and doctors are participating providers in your network.

Auto Insurance

If your student takes a car to school, it is typically less expensive to include the vehicle on your own policy than to purchase separate coverage. However, you should report the new location to your insurance company; your premium may go up or down depending on the location. If a car won’t be taken to school and the campus is more than 100 miles from home, your student may qualify for...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Here's To a Long Life!

August 23, 2018

This week, Craig Siminski, of Equity Design Group, shares with us an Affordable insurance solution: Survivorship Life Insurance.

Many people allow their term life insurance policies to expire once their children are grown. This may not be a good idea, especially if you have other bills and your spouse would need continued financial support.

But a new term policy can be quite expensive when you are older. Survivorship life insurance may be a more cost-effective solution. Survivorship Life premiums are generally lower than individual policy premiums, because the life expectancy of any one member of a couple is longer than for each person individually.

Survivorship life insures the lives of two people, typically a married couple, and pays a death benefit after the death of the last-surviving covered person.

For this reason, it is sometimes called second-to-die insurance. Because only one death benefit is paid and premiums are based on the life expectancies of both insured individuals, the cost is usually...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Larger Deficits Are Driving Up Debt

August 16, 2018

According to the most recent Congressional Budget Office (CBO) projection, the federal budget deficit for fiscal year 2018 (which ends on September 30) will reach $793 billion, or 3.9% of gross domestic product (GDP).

This figure is $230 billion larger than the CBO previously estimated in June 2017, largely because legislation enacted since then reduced potential revenues and increased anticipated spending.

The government runs a deficit when it spends more money over the year than it collects in tax revenue. To cover the difference, the government must borrow money from investors through the sale of Treasury bonds. Annual budget deficits add to the national debt, which already exceeds $21 trillion.

With current policies in place, the budget shortfalls are not projected to end any time soon. In fact, the federal deficit is projected to...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Trade Tariffs

August 9, 2018

This week, Craig Siminski, of Equity Design Group, shares with us from a topic "ripped from the headlines" --

The U.S. is using tariffs to force the hands of trading partners and narrow the deficit. As a result, the disruption of global trade could affect economic growth.

A tariff is a tax imposed on a particular class of goods or services, to help protect domestic industries from what is seen as unfair foreign competition.

The U.S., along with most countries, has long supported free trade, but there are times when imbalances occur, resulting in trade deficits.

A trade deficit is a condition that exists when a country is importing from another country more than it exports to that country.

To help you gain a better understanding of trade tariffs, Craig is providing free access to a brief, engaging, and informative video.

To Watch this Video, "Trade Tariffs," Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

What Is the Federal Estate Tax?

August 2, 2018

The federal estate tax is a tax on property that is transferred to others upon your death. Estate taxes are assessed on the total value of your estate — your home, stocks, bonds, life insurance, and other assets of value — that is over the applicable exemption amount.

Everything you own, whatever the form of ownership and regardless of whether the assets have been through probate, is subject to estate taxes.

Also referred to as the “death tax,” the federal estate tax was first enacted in this country with the Stamp Act of 1797 to help pay for naval rearmament.

After several repeals and reinstatements, the Revenue Act of 1916 put the current estate tax into place. Despite its long history, this tax remains controversial.

Estate taxes are calculated on the net value of your estate, which includes all your assets less allowable debts, expenses, and deductions (such as mortgage debt and administrative expenses for the estate). If you have made no taxable gifts, you can...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Pain at the Pump...

July 26, 2018

Why Does It Cost More to Fill Your Tank?

Prices at the pump eased off a little in June, but motorists can expect an expensive summer behind the wheel. If you’re like most consumers, you may feel that you’re playing gas-price roulette every time you fill the tank. Why are prices so volatile? And why is the trend so much higher now than last year?

Cost of Crude

The price of crude oil is the most significant factor in the cost of fuel at the pump. For the period from 2008 to 2017, the U.S. Energy Information Administration estimated that crude accounted for 61% of the national average cost of a gallon of regular gas, with the rest attributable to refining (12%), distribution and marketing (12%), and taxes (15%).2 All of these costs can vary at different times of the year and in different locations, but the cost of crude is subject to wide swings due to...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

How Long Will It Take to Double My Money?

July 19, 2018

Before making any investment decision, one of the key elements you face is working out the real rate of return on your investment.

Compound interest is critical to investment growth. Whether your financial portfolio consists solely of a deposit account at your local bank or a series of highly leveraged investments, your rate of return is dramatically improved by the compounding factor.

With simple interest, interest is paid just on the principal. With compound interest, the return that you receive on your initial investment is automatically reinvested.

In other words, you receive interest on...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

How's Your Financial Behavior?

July 12, 2018

The field of Behavioral Finance considers how one's personal emotions and financial preconceptions affect one's financial decisions.

On What are You basing Your financial decisions?

To help you answer this question, Craig Siminski, of the Equity Design Group, is providing free access to a short, engaging, and informative video entitled "Behavioral Finance."

Click Here to Watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

New Tax Law Expands 529 Savings Plans

July 4, 2018

The Tax Cuts and Jobs Act, signed into law at the end of 2017, expanded the use of Section 529 savings plans to be used for K–12 public, private, and religious school tuition.

This could be a boon for some families. But regardless of where your children go to elementary or secondary school, 529 plans continue to offer a great opportunity for college savings.

Tax-Free Growth

Section 529 plans are sponsored by states and colleges. Funds grow tax deferred, and withdrawals are free of federal income tax when used to pay qualified higher-education expenses, including tuition, fees, room and board, books, supplies, computer equipment, software, and Internet access.

Under the new law, tax-free withdrawals for K-12 education are limited to $10,000 annually for each beneficiary and may be used only to pay for tuition. There is no specific dollar limit on qualified expenses for...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

WHY ARE AMERICANS WORKING LONGER?

June 21, 2018

Age 65 has long been considered the traditional retirement age, and -- not coincidentally -- is also the age of Medicare eligibility.

According to recent statistics, the percentage of Americans 65 and older who are still in the labor force has risen to nearly 20%, the highest level since before Medicare was established in 1965.

More than 9 million Americans aged 65 and older are working; a record number that is expected to rise in the coming decades, largely because of demographic and economic shifts. The first baby boomers have started to file for Medicare, and about 8,000 boomers will turn 65 each day until 2030.

The U.S. economy is now dominated by service industries, which means there are plenty of employment opportunities that are less physically demanding. In addition, boomers enjoy better health and greater vitality than previous generations.

Even so, an aging U.S. workforce paints a mixed picture, with some positive and negative implications for the long-term financial security of American retirees, and the U.S. labor force.

Economic Necessity: U.S. employers have largely replaced traditional pensions with retirement savings accounts, such as 401(k) plans, which are funded primarily by employee contributions. Unfortunately, many workers have not saved enough money to retire comfortably.

In fact, nearly half of today’s retirees depend on Social Security for more than half of their income. Considering that the average benefit for retired workers is $1,341 per month in 2016, it’s apparent that some people must...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Wage Growth: Watching for a Tipping Point

June 14, 2018

This week, Craig Siminski, of the Equity Design Group, shares with us a timely article discussing large wage increases vs. steady and moderate wage growth:

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In April 2018, average hourly earnings for private-sector U.S. workers grew at a 2.6% annual rate, and “real” wage growth (adjusted for inflation) increased just 0.2% year over year. The unemployment rate fell to 3.9% in the same month, a 17-year low that leaves many people wondering why workers are not seeing corresponding wage increases.

Wage gains usually go hand in hand with low unemployment, primarily because employers must often raise pay to keep valuable employees and compete for new workers. For example, the last time unemployment fell below 4.0% was in December 2000, when wages were growing at a brisk 4.3%.

An April 2018 survey of leading economists conducted by The Wall Street Journal identified three major factors contributing to slower wage growth: globalization, demographic changes, and low productivity growth.

Here’s a closer look at how these forces could be restraining workers’ wages...

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Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

 

"A babe in the house is a well-spring of pleasure..."

June 7, 2018
~ Martin Fraquhar Tupper, English Writer & Poet (1810-1889)

It's so easy to love babies, and we love them too!

Part of that love includes everything that goes into properly caring for and raising the baby, so that he or she has the "best shot" at a good, healthy, and happy life.

Craig Siminski, of the Equity Design Group, is committed to helping you put together appropriate savings and investment strategies, including those necessary for raising and caring for your children.

This week, Craig is providing free access to a short, engaging, and informative video, that may prove helpful in developing your "Bringing up Baby" savings plan.

Click Here to Watch Video

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

How can you protect your home?

May 31, 2018

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture. Homeowners insurance protects against liability (in case someone is injured on your property), damage to the structure of your home and/or personal belongings, and theft.

Although policies vary, a typical homeowners policy provides coverage for damage caused by certain "perils," such as fire, lightning, and wind damage (except in certain locations). However, you may need to purchase a separate endorsement or policy to cover certain disasters such as floods, earthquakes, and tornadoes, which can be a good idea if you live in a high-risk area.

When reimbursing you for a loss, insurance companies use one of two methods to determine the value of property; replacement cost and actual cash value. With replacement cost, the insurance company pays you the cost of replacing damaged property; there is no deduction for depreciation but there is a maximum dollar amount.

With actual cash value, the insurance company pays you an amount equal to the replacement value of damaged property minus a...

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Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

Changing Market: Municipal Bonds After Tax Reform

May 24, 2018

January is typically a strong month for the municipal bond market, but 2018 began with the worst January performance since 1981, driven by rising interest rates and uncertainty over changes in the Tax Cuts and Jobs Act (TCJA).

The muni market stabilized through late April 2018, but uncertainty remains. The tax law changed the playing field for these investments, with a mix of factors that could affect supply and demand.

When considering these dynamics, keep in mind that bond prices and yields have an inverse relationship, so increased demand generally drives bond prices higher and yields lower, and vice versa.

Any such changes directly affect the secondary market for bonds and might also influence new-issue bonds. If you hold bonds to maturity, you should receive...

To Read The Entire Article, Please Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

Tax Reform: Changes for Businesses

May 17, 2018

Last week, Craig Siminski, of the Equity Design Group, shared a video with us about the 2017 Tax Reform law, and the changes involved for individuals.

The 2017 tax reform legislation also made major changes to the U.S. tax code for businesses.

This week, Craig offers a second video that covers these changes for businesses.

Click Here to Watch: "Tax Reform: Changes for Businesses"

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

Tax Reform: Changes for Individuals

May 10, 2018

As you know, in December 2017, Congress passed a sweeping tax-cut package that fundamentally changes the individual tax landscape.

How well do you understand the provisions of this new law -- and how they will effect you and your 2018 Tax Return next year?

This week, Craig Siminski, of the Equity Design Group, shares with us a short and informative video that helps make sense of this important legislation.

Click Here to Watch: "Tax Reform: Changes for Individuals"

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

Where There's a Will...

May 3, 2018

This Week, Craig Siminski, of the Equity Design Group, shares information with us regarding wills and trusts; and why you might want to have both.

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A 2017 survey found that only 42% of U.S. adults — and only 36% of those with children under age 18 — had a will or a living trust.

A living trust can serve some but not all functions of a will; you should have a will even if you have a trust.

The most common reasons given for not taking this simple step are procrastination and not having enough assets. In fact, creating a will does not have to be difficult or time-consuming, and everyone should have one regardless of his or her assets. Here are three good reasons.

Distribute property. A will enables you to leave your property at your death to anyone you choose: a surviving spouse, a child, other relatives, friends, a trust, or a charity. Transfers through your will take the form of specific bequests (e.g., heirlooms, jewelry, or cash), general bequests (e.g., a percentage of your property), or a residuary bequest of what's left after your other transfers. It is generally a good practice to name backup beneficiaries.

Your spouse may have certain rights with respect to your property, regardless of the provisions...

To Read the Entire Article, Please Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

Pick Your Plastic: Debit or Credit

April 26, 2018

This week, Craig Siminski, of the Equity Design Group, shares with us about the differences between credit cards and debit cards:

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According to a Federal Reserve study, Americans use debit cards more often than credit cards, but the total value and the average value of credit card transactions are higher than those of debit card transactions.

This reflects fundamental differences. A debit card acts like a plastic check and draws directly from your checking account, whereas a credit card transaction is a loan that remains interest-free only if you pay your monthly bill on time. For this reason, people may use a debit card for regular expenses and a credit card for "extras."

However, when deciding which card to use, you should be aware of other differences.

Fraud protection: In general, you are liable for no more than $50 in fraudulent credit card charges. For debit cards, a $50 limit applies only if a lost card or PIN is reported within 48 hours. The limit is $500 if reported within 60 days, with unlimited liability after that. A credit card may be safer in higher-risk situations, such as when shopping online, when the card will leave your sight (as in a restaurant), or when you are concerned about a card reader. If you regularly use a debit card in these situations, you may want...

To Read the Entire Article, Please Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

New Metals Tariffs Reflect U.S. Policy Shift

April 18, 2018

This week, Craig Siminski, of the Equity Design Group, helps us understand the new metal tariffs:

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On March 8, 2018, President Trump imposed a global tariff of 25% on steel imports and 10% on aluminum imports. A tariff is a tax on a particular class of imported goods or services that is designed to help protect domestic industries from foreign competition.

The metals tariffs have not been well received by U.S. allies or U.S.-based companies that operate internationally. Many economists outside the administration think there could be unintended economic consequences, primarily because steel and aluminum are used in many other products that are made in the United States.

For several decades, much of the world — including the United States — has supported the expansion of free trade and globalization, a position that the president has openly rejected.

The metals tariffs are an important component of the president's trademark "America First" policy, which could continue to take...

To Read the Entire Article, Please Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

WHAT ARE YOUR SAVINGS GOALS?

April 12, 2018

We all know that we "should" be saving.  Depending upon the information source being used, 10%, 15%, or more of our income should be set aside in savings.

What are your Savings Goals?  Are you on pace to meet them?

Only 48% of U.S. workers have tried to determine how much they will need to save for a comfortable retirement!

Setting a goal is a crucial step in meeting your savings objectives. Do you have specific savings goals, or are you merely hoping you’ll have enough when the need arises?

Craig Siminski, of Equity Design Group, takes some of the mystery and confusion out of the process, and makes it relatively easy to estimate your future financial needs, and to plan accordingly.

Click Here to use Craig's Savings Goals Calculator

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

SHOULD YOU PURCHASE ANNUITIES?

April 5, 2018

Annuities are insurance-based financial vehicles that can provide many benefits sought by retirement-minded investors.

There are a number of reasons why people buy annuities.

Deferral of taxes is a big benefit, and so is the ability to put large sums of money into an annuity — more than is allowed annually in a 401(k) plan or an IRA — all at once or over a period of time.

Annuities offer flexible payout options that can help retirees meet their cash-flow needs. They also offer a death benefit; generally, if the contract owner or annuitant dies before the annuitization stage, the beneficiary will receive a death benefit at least equal to the net premiums paid.

Annuities can help an estate avoid probate; beneficiaries receive the annuity proceeds without time delays and probate expenses.

One of the most appealing benefits of an annuity is the...

Click Here to Finish Reading the Article

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience.

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network Sent You!

THE ADVANTAGES OF TAX-DEFERRED ACCUMULATION

March 28, 2018

So, What ARE the advantages? Do you know how tax-deferred investments compare with taxable investments?

If you're saving for retirement, these are very important questions; ones for which you will want to receive dependable answers.  

To make things a bit easier, Craig Siminski, of Equity Design Group offers a free Tax Deferred Savings Calculator, available for your use at his website.

To access this Free Resource, Please Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with over 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to let Craig know that the Green Bay News Network Sent You!

HOW DO YOU ENVISION RETIREMENT?

March 22, 2018

The road to retirement is seldom smooth. You need a sound savings strategy to help overcome obstacles in your path.

What kind of lifestyle do you hope to enjoy?  What are your hopes and aspirations?

When do you want to retire?  Where do you want to live?

What activities are you planning to enjoy?

With the freedom of retirement, the possibilities are nearly endless. But keep in mind that some retirement activities cost more than others! You'll want to develop your savings strategy appropriately.

To help you learn more, Craig Siminski, of the Equity Design Group, invites you to read a short Flip Book, "Envisioning Your Retirement - How to Prepare Today For a More Fulfilling Tomorrow."  

For Free Access to this Helpful Resource, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network Sent You!

WHAT'S YOUR NET WORTH?

March 15, 2018

"Net Worth" -- It's a term we hear used quite often, especially with regard to candidates for political office. Everyone seems interested the Net Worth of this person, or their opponent.

What about YOUR Net Worth?  

Determining your net worth can help you develop a clearer picture of your financial situation. One important tool is a balance sheet, which summarizes your assets and liabilities and reveals your net worth.

To simplify the process of determining your Net Worth, Craig Siminski - of the Equity Design Group - provides a Free "Net Worth Calculator." 

To access this Free Resource, Click Here!

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network sent you!

Could that Latte you have every morning end up costing you $120,000?

March 8, 2018

Seriously? Yes, seriously; it could happen to you -- if you're not careful!

In a very short, and entertaining video - "The Latte Habit," you will see an engaging example of how you can change little things, for huge effect.

Click Here to Watch "The Latte Habit" Now.

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 20 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected]ydesigngroup.com . 

Please let Craig know that the Green Bay News Network Sent You!

TAXABLE VS. TAX-EXEMPT YIELDS

March 1, 2018

Municipal bonds are sold by cities, counties, states and other political bodies (public hospitals, school districts).

The federal government and its agencies do not sell municipal bonds. However, most municipal bonds are free of federal income taxes, although they may be subject to the alternative minimum tax.

How much would you have to receive from a taxable bond to realize an equivalent yield?

Craig Siminski, of Equity Design Group makes "doing the Math" a much easier task.  Along with other useful financial tools, Craig offers a user-friendly Taxable Equivalent Yield Calculator on his website. 

Click Here for Access to this Free Resource

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Let Craig know that the Green Bay News Network sent You!

ARE YOU TALKING TO THE RIGHT PERSON?

February 22, 2018

If you've ever had the experience of having a new home built to order, from the basement, to the roof and chimney, then you know the benefit and importance of having had a direct business relationship with the architect.

So, when it comes to your retirement plan, and financial portfolio, to whom would you rather be speaking; a salesman for a large financial firm, or the architect of your retirement spending plan? Would you rather talk to the guy who's thinking ahead to his next sale, or to the person who makes sure that your plan is working well – now, and in the future?

Craig Siminski, and his Equity Design Group, offer you the personal attention that your financial future requires.

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom.

Craig is committed to designing and implementing financial strategies that focus on his clients’ needs. He seeks to be a lifetime resource for each and every one of them, and Craig’s clients know that he has their best interests at heart.

If this personal touch seems right to you, why not give him a call at 920-569-8363, email him, or stop by his office – located at 2050 Riverside Drive in Green Bay. Please let him know that the Green Bay News Network sent you!

WHO SHOULDERS THE AMERICAN TAX BURDEN?

February 15, 2018

Are You Concerned About Your Tax Situation?

Do you understand how the U.S. Tax Burden is distributed?

In a short, and informative video - "American Tax Burden," you will learn how the tax burden may be affecting your income and your future.

Click Here to Watch This Video Now

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network Sent You!

RISING INCOME AMIDST RISING COSTS

February 7, 2018

We had an interesting and informative conversation recently with Craig Siminski, of Equity Design Group.

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom.

We asked Craig to shed some light for us on the phrase “rising income investments in a rising cost world,” and to help us to understand why these are important considerations in our retirement planning process.

Here's some of what Craig shared with us:

I believe that helping my clients understand what their income needs to do for them in retirement is important.

For example; if you are retiring, married, relatively healthy, and 65 years old; I want to help make sure that you have enough income to last for 30 to 35 years. Everything you will purchase over those 30 to 35 years is going to cost more each year, except for certain fixed items such as a mortgage payment, car payment or life insurance premiums.

In my opinion, those are the only “fixed” expenses you will have. The rest of your expenses are “rising” expenses.

The duration of your spending plan is 30 to 35 years for 2 people, and the direction of your income needs to continue to grow at least at the pace of cost of living. This leads me to the conclusion that the more rising investment income you bring into a two person, 30 year spending plan, the more likely you are not to run out of money.

What percentage of your portfolio is in rising income investments?

Craig invites you to stop in, or give him a call – understanding there is no cost or obligation on your end.

Craig offers a wide range of financial products and services. For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network Sent You!

AFFORDING A HOME OF YOUR OWN

February 1, 2018

Owning your own Home is still a huge part of The American Dream.

Shopping for a home can be a very exciting time. But before you begin evaluating neighborhoods and housing options, you’ll need to know just how much you can afford to spend.

Craig Siminski, of Equity Design Group, makes "doing the Math" a much easier task.  Along with other useful financial tools, Craig offers a user-friendly Home Affordability Calculator on his website.

Click Here to begin using this tool now.

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

THE SPOUSAL I.R.A. OPPORTUNITY

January 23, 2018

Tax-friendly IRAs were devised as an incentive for workers to set aside money for retirement. Thus, the maximum an individual can contribute annually is limited to the amount of his or her earned income.

This limitation once left stay-at-home parents and other nonworking spouses without a way to keep their own retirement savings on track. 

The spousal IRA rules were eventually changed to allow a working spouse to contribute to the IRA of a spouse who earns little or no income. This provision might benefit a couple when one spouse is working and the other is not, whether the nonworking spouse is a student, raising children, unemployed, or even retired.

When making spousal contributions, you have the same choice between the up-front tax deduction associated with a traditional IRA or tax-free withdrawals offered by a Roth IRA.

Click Here to Read More on The Spousal IRA Opportunity

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

Tax Reform: How Will You Be Affected?

January 17, 2018

This week, Craig Siminski, of the Equity Design Group, shares an article explaining the provisions of the recently enacted tax reform legislation.

On December 22, 2017, President Trump signed a sweeping $1.5 trillion tax-cut package that fundamentally changes the individual and business tax landscape.

The centerpiece of the legislation is a permanent reduction of the corporate income tax rate from 35% to 21%. Among other business provisions are a shift to a territorial tax system (in which businesses pay taxes only on U.S. income), incentives to repatriate foreign profits, repeal of the corporate alternative minimum tax, and a 20% deduction (through 2025) on certain income from pass-through businesses such as limited liability companies.

While most corporate provisions are permanent, the following provisions for individual taxpayers apply only to tax years 2018 through 2025 unless indicated otherwise:

Individual Income Tax Rates

The legislation replaces five of the seven current marginal income tax brackets (10%, 15%, 25%, 28%, 33%, 35%, and 39.6%) with corresponding lower rates (see chart). The legislation also establishes new marginal tax brackets for estates and trusts, and replaces existing "kiddie tax" provisions (under which a child's unearned income is taxed at the parents' tax rate) by effectively taxing...

To Read the Entire Article, Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with omore than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

Pre-Tax Contributions

January 11, 2018

Participating in your employer-sponsored retirement plan is a convenient way to save.

Are you aware of the tax implications of retirement plan contributions, and their effect on your take-home pay?

Are you concerned about having less "take home pay" due to these contributions?

Craig Siminski, of the Equity Design Group, understands these and related questions and concerns.  To help answer them, he's making a short and informative video available.

To Access This Free Video Resource, Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network Sent You!

ARE YOU TAX SAVVY?

January 4, 2018

To be honest, most of us are -- well -- somewhat less than savvy, when it comes to taxes. There are so many various tax laws, that it can easily become confusing and even overwhelming.

Understanding tax rules and spotting tax-saving opportunities might help you put the money to better use.

To help clear up some of the confusion, Craig Siminski, of the Equity Design Group, offers a Free, interactive Flip Book, "Time to Get Tax Savvy," that you can access by Clicking Here.

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network Sent You!

WHO ARE YOUR BENEFICIARIES?

December 28, 2017

As we approach the end of the year, we are well advised to conduct a personal and business financial check-up.  Among other considerations, it's a good time to review our beneficiary designations.

Valuable assets will convey directly to beneficiaries, regardless of instructions in a will.

Keeping your beneficiary designations up to date is important.

This short video, "Do You Know Who Your Beneficiaries Are," offered by Craig Siminski, of Equity Design Group, can help you be sure that your assets are distributed according to your wishes.

Click Here to Watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

Tax-Free Retirement Income

December 14, 2017

This week, Craig Siminski, of Equity Design Group, shares with us some valuable information on Roth IRAs.

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Contributing to a traditional IRA or an employer-sponsored retirement plan may offer a current-year tax benefit by reducing taxable income. However, distributions — including any earnings — are taxed as ordinary income.

By contrast, contributions to a Roth IRA or a designated Roth account in an employer retirement plan do not reduce current income, but qualified withdrawals — including any earnings — are generally free of federal income tax as long as they meet certain conditions. Moreover, contributions to a Roth IRA (but not earnings) can be withdrawn tax-free and penalty-free at any time, for any reason.

If you have a traditional IRA but prefer the advantages of a Roth, you can open a Roth IRA and make contributions to either or both accounts, subject to the combined annual contribution limit.

You could also convert all or part of your traditional IRA assets to a Roth IRA. Contributions to an employer's retirement plan can be converted to a designated Roth account if...

To Read the Entire Article, Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with omore than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

BUILDING YOUR FUTURE

December 7, 2017

Do you dream of building -- or buying -- a Dream Home?  Do you love to Travel?

What about putting money aside for your children's education?

Sound Financial Management is no accident - it's a process; involving planning and execution.

"Like the stages of building a sand castle, each decision you make about money today, forms the foundation of your financial future."

Craig Siminski, of the Equity Design Group invites you to Read More on this topic, by Clicking Here.

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with omore than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

What's Your Cash Flow Situation?

November 30, 2017

As you look toward New Year's Resolutions for 2018, it's probably a good idea to include a good Financial Health Check-up.

Managing debt and maintaining your lifestyle over the long term is challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending.

The Cash Flow Analysis Calculator, courtesy of Craig Siminski's Equity Design Group, can help you compare your income to your expenses to determine your net cash flow.

Click Here for Free Access to the Cash Flow Analysis Calculator

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And, Please Remember to tell Craig the Green Bay News Network sent you!

PRESERVING WEALTH

November 22, 2017

Are you married?  Do you have children?  Are there people for whom you'd like to "set something aside" for their futures?

Are you planning to leave a legacy?

An estate planning strategy could increase the value of your estate and help avoid potential conflicts and delays.

To help in your planning, Craig Siminski, of the Equity Design Group, invites you to read a short Flip Book, "Wealth Preservation - Planning to Leave a Legacy"

For Free Access to this Helpful Resource, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please remember to tell Craig that the Green Bay News Network sent You!

A Library of Useful Tools & Resources

November 16, 2017

With 2017 nearing its finish line, and the tax professionals hanging out their shingles, a local Certified Financial Planner professional is offering a free resource for taxpayers:

"We've put together a collection of tools and resources to help you manage your taxes and navigate the current tax season."

Craig Siminski, of the Equity Design Group, is providing free access to this Tax Library: To Learn More, Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig that the Green Bay News Network sent you!

HOW LONG WILL IT TAKE TO PAY OFF YOUR CREDIT CARD DEBT?

November 9, 2017

Credit Card Debt is a potentially crippling form of debt that often gets "out of control" for many consumers.  Paying it off is vital, yet some simply aren't sure how and where to begin.

Remember: The more  you pay each month, the sooner you can pay off your debt, and the lower your total interest cost should be.

Craig Siminski, of Equity Design Group offers a free Credit-Card Debt Calculator, available for your use at his website: Click Here

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

WHAT IS DIVERSIFICATION?

October 31, 2017

One key to successful investing is managing risk while maintaining the potential for adequate returns on your investments. One of the most effective ways to help manage your investment risk is to diversify.

Diversification is an investment strategy aimed at managing risk by spreading your money across a variety of investments such as stocks, bonds, real estate, and cash alternatives; but diversification does not guarantee a profit or protect against loss.

The main philosophy behind diversification is really quite simple: “Don’t put all your eggs in one basket.”

Spreading the risk among a number of different investment categories, as well as over several different industries, can help offset a loss in...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please let Craig know that the Green Bay News Network Sent You!

After the Storms: The Economic Impact of Harvey and Irma

October 26, 2017

As Texas and Florida recover from the devastation of Hurricanes Harvey and Irma, economists and industry experts have begun to assess the economic impact of the storms on a local and national level. It may take years for the effects to become clear, and the loss of life and human suffering are beyond calculation. 

Craig Siminski, of the Equity Design Group, shares some preliminary data that may help you understand the costs of the disasters as a consumer and taxpayer:

Property and Productivity

In mid September, Moody's Analytics estimated the combined cost of property damage — including homes, furnishings, vehicles, businesses, and infrastructure — at $150–200 billion, with an additional $20–30 billion in lost economic output, similar to the cost of Hurricane Katrina.1 These estimates focus on Texas and Florida and do not include damage in other states or U.S. Caribbean territories. The fact that the storms hit two of the nation's economic powerhouses magnifies the potential impact...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please let Craig know that the Green Bay News Network sent You!

PROTECTING YOUR DEPENDENTS

October 19, 2017

What's the best way to protect your dependents in the event of your death?

Term Life Insurance?  Whole Life Insurance?

Whichever type you choose, you'll want to be sure you have sufficient coverage.

To help you make a good decision, Craig Siminski - of the Equity Design Group - would like to share a short, informative, and engaging video with you. It won't take long, and it may help to answer your questions.

Click Here to Watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please let Craig know that the Green Bay News Network sent You!

What is a Certified Financial Planner?

October 5, 2017

This week, Craig Siminski, of the Equity Design Group, shares with us about his profession - and what he can do for you:

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My job title is Certified Financial Planner® and what I do is goal-focused investment planning - the endowment of a retirement income my clients don't outlive, the best educations for which their children and grandchildren qualify, and significant legacies to the people they love and must leave behind in the world.

I believe that once you make the commitment to retire, you need to know - the more rising investment income you bring into a potential two-person, thirty-year spending plan; the more likely you are not to run out of money.

I am very passionate about helping my clients. I believe that my tax and estate planning expertise will help my clients keep/grow more wealth than they would without me.

My goal is to provide families, business owners, and their employees, with assistance in building their financial freedom. With over seventeen years of experience, I am committed to designing and implementing financial strategies that focus on my clients' needs.

I am an advocate for my clients and my profession. As an advocate for my clients, I continuously keep my saw sharp by educating myself and earning professional designations so I can provide the best advice for my clients.

As an advocate for my profession, I am a member of the Financial Planning Association, Northeast Wisconsin Chapter and of the Estate Planning Council of Northeast Wisconsin.

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. When it comes to helping you design and build your financial security and future, Craig sees his role as being "an architect, rather than a salesman."

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please let Craig know that the Green Bay News Network Sent You!

Basics of Investing

September 28, 2017

Are You Ready to Embark upon Your Wealth-Building Journey?

Weighing the risks and rewards of various investment options can help you develop a sound investment strategy.

To help you learn more, Craig Siminski, of the Equity Design Group, invites you to read a short Flip Book, "Investing Basics, Embark on Your Wealth-Building Journey."

For Free Access to this Helpful Resource, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

The "Path" to Tax Savings

September 21, 2017

What Do You Know About the PATH Act?

What is it?

How might it affect your Tax Planning?

Are there Tax Breaks you should know about?

Craig Siminski, of the Equity Design Group, is providing you free access to a brief, engaging, and informative video, that addresses these very questions.

Click Here to Watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

The Value of a Bond

September 14, 2017

Do you clearly understand what happens to the value of a bond when interest rates rise?  How about when they fall? 

What difference can it make, in these circumstances, if you either sell early - or hold your bond to maturity?

If you really do understand all of this, and understand it clearly, you're doing better than most people!

If you could use a little help, Craig Siminski, of the Equity Design Group would like to share with you a short and informative video entitled "The Value of a Bond."

Click Here to Watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

What Are Dividends?

September 7, 2017

When considering the profit they make on stocks, many investors assess the gains they have obtained based on the appreciation of the stock on the open market, or the gains they obtained after selling the stock for more than the original purchase price.

However, it’s also wise to include the income acquired from stock dividends, if any.

Dividends are taxable payments to shareholders from a company’s earnings. These payments generally come from retail profits and tend to be distributed in the form of cash or stock. They are usually paid ...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please tell Craig that the Green Bay News Network Sent You!

Digital Deception

August 31, 2017

Cyber thieves are getting more sophisticated by the day -- if not by the hour, and your personal or corporate data are their targets.

How safe is your information?  

Who can access your online accounts?

How sure are you of the protections you've put in place?

Craig Siminski, of the Equity Design Group, offers a short, engaging, and informative video that may prove helpful in these challenging times in which "getting hacked" is an all too often occurrence.

Click Here to Watch "Digital Deception ~ Current Trends in Cybercrime"

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected]

Please Remember to tell Craig the Green Bay News Network sent you!

Social Media Marketing Strategies

August 24, 2017

According to a 2016 survey, about three-fourths of small businesses have used social media for marketing purposes or were planning to start doing so in the coming year.  Established networks such as Facebook, Twitter, Instagram, LinkedIn, YouTube, Pinterest, and Yelp are already well known, although Facebook is the most widely used. However, newer platforms (such as Snapchat) pop up regularly and often attract users at a rapid pace.

Joining social media sites may be free, but buying ads can be costly. Moreover, managing one or more profiles may demand a significant amount of time and effort on the part of a business owner or an employee.

During a typical week, 63% of business marketers devote six or more hours to social media activities, and 39% invest at least 11 hours.

Even so, social media can be a convenient way to build relationships with your existing customers and widen your exposure in the marketplace. Here are a few tips for managing social media profiles effectively:

Do your homework - Consider spending several weeks or months learning to use the technology and researching the marketing techniques of similar businesses, especially if you are not currently active on social media as a consumer. The U.S. Small Business Administration has a free...

To Read the Entire Article, Please Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected]

Please Remember to tell Craig the Green Bay News Network sent you!

Buy, Rent, or Lease?

August 17, 2017

That is the Question!

Leasing may be cost effective, increase your purchasing power, help conserve operating capital, provide flexibility, and could have some income tax advantages.

To help you decide for yourself, within the context of your own financial situation, Craig Siminski of The Equity Design Group, offers a Lease Payment Calculator, which you can access, free of charge, by Clicking Here.

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected]com . 

Please Remember to tell Craig the Green Bay News Network sent you!

SELL WHEN THE MARKET DROPS?

August 10, 2017

The stock market can take investors on a wild ride.

Market Timing is challenging, even for the most experienced investors.

Should you consider selling your stocks when the market drops?

To make things easier to understand, Craig Siminski, of the Equity Design Group, is providing free access to a short, engaging, and informative video that helps us look at the wider picture.

To Access this Video, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please Remember to tell Craig, that the Green Bay News Network sent you!

Retiring in a Down Market?

August 3, 2017

In an ideal world, your retirement would be timed perfectly. You would be ready to leave the workforce, your debt would be paid off, and your nest egg would be large enough to provide a comfortable retirement — with some left over to leave a legacy for your heirs.

Unfortunately, this is not a perfect world, and events can take you by surprise. Only four out of 10 current retirees said they retired when they had planned; half retired earlier.

But even if you retire on schedule and have other pieces of the retirement puzzle in place, you cannot predict the stock market. It would be wise to prepare for the possibility that you might retire during a market downturn.

Sequencing Risk 

The risk of experiencing poor investment performance at the wrong time is called sequencing risk or sequence of returns risk. All investments are subject to market fluctuation, risk, and loss of principal — and you can expect the market to rise and fall throughout your retirement. However, market losses on the front end of your retirement could have an outsized effect on the income you might...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Check Out Craig's Featured Event on Sunday, August 13th

- Click Here.

And, Please Remember to tell Craig the Green Bay News Network sent you!

Stock & Bond Alternatives

July 20, 2017

What Stock and Bond Alternatives Do I Have?

Many prudent investors may have at least some of their holdings in stocks, corporate bonds, or both. In fact, when most people think of “investing,” they think of Wall Street and the stock markets.

Many fail to realize that there are a number of ways to invest in stocks besides owning individual shares.

Mutual Funds
A mutual fund is a collection of stocks, bonds, or other securities. Investors purchase shares of the mutual fund that is managed by a professional investment company.

A typical mutual fund may hold dozens of different securities. That offers some measure of diversification — a sharp decline in an individual security wouldn’t be nearly as damaging to your portfolio as it would be if you only owned a few securities. Diversification is a method used to help manage investment risk; it does not guarantee against loss.

Mutual funds are professionally managed. Fund managers devote their attention to buying and selling securities according to the goals of their funds.

And mutual funds often have a minimum investment of only $1,000 — some will accept even less...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

What Savings Alternatives Are Available?

July 6, 2017

As an investor, it’s important to have a portion of your holdings in savings.

Opinions differ, but most financial advisors agree that adequate savings should form the basis of any sound investment strategy.

There are a number of savings alternatives that will help you accumulate adequate savings and earn a reasonable rate of return:

Certificates of Deposit

Certificates of deposit are really just short-term loans to a bank, credit union, or savings and loan. They offer a moderate rate of return, and more safety; because they are insured by the FDIC for up to $250,000 per depositor, per insured institution in interest and principal.

Asset Management Accounts

These accounts are much like checking accounts, except that they may be held by a brokerage instead of a bank. You can use your money to trade stocks and bonds, and buy into money market funds. Many brokerages will automatically sweep your earnings into a money market account.

Series EE Savings Bonds

For many years, when bonds were mentioned, people thought of U.S. savings bonds. Series EE savings bonds are sold in par values that range from $50 to $10,000 if purchased in paper form, or from $50 to $5,000 if purchased electronically. Tax on the interest is deferred until maturity, and may be eliminated if...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 19 years of experience:

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

How Can You Insure Your Future?

June 29, 2017

Long ago, people realized that there is strength in numbers. For hundreds of years, we have been joining forces against all kinds of calamities — including financial troubles.

The concept of insurance is simply that if enough of us can pool our money to form a large enough fund, then together we can handle practically any financial disaster. Our motivation for contributing to this fund is our own eligibility to draw from it in the event of a disaster. One for all and all for one, so to speak.

An early example of the concept comes from the Code of Hammurabi, Babylonian laws dating back to 1700 B.C., which contain a credit insurance provision.

For a little higher interest, the ancients could exempt themselves from repayment of loans in the event of personal misfortune. A citizen of the Roman Empire could buy life insurance through the Collegia Tenuiorum for slaves and wage earners, or the Collegia for members of the military.

The funds provided old-age pensions, disability insurance, and burial costs. In spite of some complications and occasional bureaucratic snarls, the system has worked remarkably well through the ages...

Purchasing individual or family insurance coverage is probably one of the most important financial decisions you will make. A great deal of study and advice is needed to choose wisely. A few basic guidelines...

To Continue Reading the ArticleClick Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years' experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Paying Off Debt Vs. Saving For Retirement

June 15, 2017

Which should you do? 

That's a great question! It's one that each of us will be wise to consider.

Now, what's the best answer?

Both saving for retirement, and paying off debt, are excellent financial goals; so, the answer is not an easy one.  What's right for one person, may not be the best answer for another.

To make things easier, Craig Siminski, of the Equity Design Group, offers free access to a short, engaging, and informative video, that may help you to properly address this important question.

Click Here to Watch

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

Please Remember to tell Craig the Green Bay News Network sent you!

Are You Looking at Property Ownership?

June 8, 2017

According to the Census Bureau, sales of new single family homes rose by 16.6% in April over March--the fastest pace in eight years!

What is the best form of property ownership for you?

In planning your estate, it is customary to consider wills and trusts (as well as intestacy) as a means of property distribution. As a matter of fact, the manner in which you hold title to your assets may supersede provisions contained in other transfer documents. Likewise, significant tax benefits can be gained (or lost) depending on the characterization of your property.

Let’s take a look at the general classifications of ownership:

Sole Ownership
Sole ownership occurs when one owns a complete interest in property. Ownership is passed by the typical transfer documents, or by the laws of intestate succession. The complete interest is included in the estate of the decedent. Because of this, the beneficiary receives a full step-up in basis. This, in essence, brings up the original purchase price to the fair market value, thereby eliminating a capital gain.

Joint Tenancy
Joint tenancy exists when two or more persons share equal, undivided interests in property. Joint tenancy is not limited to spouses. Anyone can share joint interests, but there are tax benefits when this arrangement is shared only...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience:

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

Save Now...or Save Later?

June 1, 2017

Most people have good intentions about saving for retirement. But, few know when they should start and how much they should save.

Sometimes it might seem that the expenses of today make it too difficult to start saving for tomorrow. It’s easy to think that you will begin to save for retirement when you reach a more comfortable income level, but the longer you put it off, the harder it will be to accumulate the amount you need.

The rewards of starting to save early for retirement far outweigh the cost of waiting. By contributing even...

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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience:

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

Do You Really Need Disability Insurance? How Much Do You Need?

May 25, 2017

According to the LIFE Foundation, one in seven workers will suffer a disability lasting 5 years or more, prior to retirement.

If you were to become disabled due to an illness or injury, how would your cash flow be affected?

Would you have enough income to meet monthly expenses?

It's a prudent idea for you to estimate your need for income protection in the event you become disabled.

To simplify the process of determining how much disability income insurance you may need, Craig Siminski - of the Equity Design Group - provides a Free "Disability Income Insurance Calculator."

To Access this Free Resource, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please Remember to tell Craig the Green Bay News Network sent you!

What is a Split-Annuity Strategy?

May 18, 2017

A split-annuity strategy involves purchasing two types of annuity contracts: immediate and deferred.

The immediate annuity would provide a current income stream during the early years of retirement, and the deferred annuity would have the potential to provide a future income stream.

An immediate fixed annuity earns a guaranteed rate of return, and immediately pays a regular income for the duration specified in the contract. Meanwhile, the funds in a deferred fixed annuity accumulate tax deferred until they are needed.

Once the immediate fixed annuity has been depleted, the deferred fixed annuity can be used to generate a regular income stream. Of course, any earnings withdrawn from the deferred annuity would...

To Read the Entire ArticleClick Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience:

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And... Remember to tell Craig the Green Bay News Network sent you!

MANAGING YOUR 401K

May 11, 2017

How can you make the most of participating in employer-sponsored defined contribution plans?

More than 73 million Americans actively participate in employer-sponsored defined-contribution plans such as 401(k), 403(b), and 457 plans.1 If you are among this group, you’ve taken a big step on the road to retirement, but as with all investing, it’s important to understand your plan and what it can do for you.

Here are a few ways to make the most of this workplace benefit:

Take the free moneyMany companies match a percentage of employee contributions, so you may want to save enough to receive a full company match and any available profit sharing. Some workplace plans have a vesting policy requiring that workers be...

Click Here to Finish Reading the Article

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience:

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

How do You Keep Track of the Financial Markets?

May 4, 2017

Craig Siminski, of Equity Design Group, prides himself on being "an Architect, not a Salesman." As such, he is always looking for ways to help people build for their futures.

"On my website, whether you're a client of mine or not, I provide you with access to many useful financial tools.  One set of tools that I think is really helpful, is in our  Market Watch area.  On this page, You'll find a number of tools to help you track the financial markets, retrieve quotes, view charts, and even monitor the performance of your own portfolio."

To Visit Market Watch, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

Please be sure to tell Craig that the Green Bay News Network sent You!

HOW'S YOUR RISK TOLERANCE?

April 27, 2017

Does Your Risk Tolerance Follow the Market?

According to an investment industry survey, in mid-2008 — when the financial crisis was still developing — 23% of U.S. households were willing to accept substantial or above-average investment risk in order to achieve substantial or above-average returns.

The following year, after the stock market hit bottom, the percentage of risk-taking households fell to 19% and did not begin to rise until 2013, the fourth full year of the recovery and a strong year for market performance. Even so, risk-taking remained below the pre-crisis level through 2014 (most recent data available).

It’s understandable that investors might feel less inclined to take risks when the market is down — after all, no one likes to watch the value of assets dwindle. However, your risk tolerance should be a fundamental component of your investment strategy, based on your own situation rather than market performance.

If you allow yourself to be swayed by the market, you might find yourself investing too heavily in riskier investments when prices are high and selling when prices have dropped, leaving you out of potential gains when the market rises again.

On the other hand, if you become overly cautious and stick only to low-risk investments with little potential for gain, your savings may not keep pace with inflation over the long term.

...Read the Complete Article

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

How Strong is Your Insurance Company?

April 6, 2017

How Can I Determine the Financial Strength of My Insurance Company?

How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you know what to look for? Making sure that your insurance company is financially sound is an important part of helping to ensure family security.

Fortunately, there are a number of independent companies that make these evaluations. These rating companies carefully examine each insurance company in the areas of profitability, debt, liquidity, and other factors. From the results of these examinations, they then issue overall ratings.

Looking up a company’s rating will provide you with a snapshot of that company’s financial health.

Tracking the company’s rating on a regular basis may give you some advanced warning of trouble. 

The four most prominent rating companies are... To Read More, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 18 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

Funding a College Education

March 9, 2017

Do you have a son or daughter who's planning on going to college?  Have you figured out exactly how to fund their higher education?

College is an investment in your child’s future. It requires a savings commitment and knowledge of funding methods.

To help you prepare for this investment, Craig Siminski, of the Equity Design Group, invites you to read a short Flip Book, "Higher Education: College Saving and Funding Strategies."

For Free Access to this Helpful Resource, Click Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over 18 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

Stock & Bond Alternatives

February 16, 2017

What Stock and Bond Alternatives Do I Have?

Many prudent investors may have at least some of their holdings in stocks, corporate bonds, or both. In fact, when most people think of “investing,” they think of Wall Street and the stock markets.

Many fail to realize that there are a number of ways to invest in stocks besides owning individual shares.

Mutual Funds
A mutual fund is a collection of stocks, bonds, or other securities. Investors purchase shares of the mutual fund that is managed by a professional investment company.

A typical mutual fund may hold dozens of different securities. That offers some measure of diversification — a sharp decline in an individual security wouldn’t be nearly as damaging to your portfolio as it would be if you only owned a few securities. Diversification is a method used to help manage investment risk; it does not guarantee against loss.

Mutual funds are professionally managed. Fund managers devote their attention to buying and selling securities according to the goals of their funds.

And mutual funds often have a minimum investment of only $1,000 — some will accept even less...

To Continue Reading the ArticleClick Here

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over 18 years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

And... Remember to tell Craig the Green Bay News Network sent you!

An Architect, Not a Salesman

January 12, 2017

This week, Craig Siminski, of Equity Design Group, shares with us an article he wrote describing his role and philosophy as a Certified Financial Planner Professional.

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I am a big believer in working hard. I would want my financial planner to put an honest effort into helping me achieve my financial goals. More often than not, I notice in my prospects’ investment statements a few things that bother me. Typically, there is a good mix of equities and fixed income investments...including some mutual funds and exchanged-traded funds (etfs).

The problem is that the exact same investments are in the IRA, Roth IRA, and the non-retirement accounts; just in different percentages. I wouldn’t want a cookie cutter portfolio that was put together by my adviser’s back office based on my risk tolerance.

As an investor, I want to deal with the architect of my plan, not the salesman. I like investing in the great companies of this country and of the world. I really like investing in those same companies that pay a healthy dividend…and regularly raise that dividend. Investing in individual stocks allows me to see the price point that my clients and prospects can buy that security at. I’ve got software that allows me to get a pretty good sense of the fair market value of that particular stock.

The goal, after extensive research, is a price point less than 100 cents on the dollar, if possible. A fundamental of investing is to buy low and sell high. I haven’t seen software that puts a fair market value on a mutual fund.

I incorporate at least a sleeve of individual dividend paying stocks into most of my clients’ portfolios. My name is Craig Siminski. My job title is Certified Financial Planner Professional® and what I do is goal focused investment planning.

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Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with over eighteen years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

Three Financial Issues to Watch Under the New Administration

December 8, 2016

On January 20, 2017, Donald J. Trump will be sworn in as the 45th president of the United States. 

Between now and then, attention should largely focus on efforts to facilitate an orderly transfer of power, but there will be no shortage of conjecture over what may happen after the inauguration. While changes are likely, the specifics and scope will take time to unfold.

Craig Siminski, of the Equity Design Group strives to keep his clients and the general public informed on the full range of financial topics and concerns.  This week, he shares with us an article that highlights 3 particular financial issues that we should be watching as the new administration takes office in January.

Affordable Care Act

Since its enactment in 2010, the Patient Protection and Affordable Care Act (ACA), commonly referred to as Obamacare, has faced intense partisan conflict. The ACA became a central issue during the presidential campaign, with Trump vowing to “repeal and replace” the legislation.1 In the late days of the campaign, criticism of the ACA was underscored by news reports of rising premium costs and health-care providers leaving the exchanges.

It seems likely that Obamacare will be among the new administration’s early priorities, but full repeal and replacement may be complicated. One GOP senator recently estimated that it could take two years.2 Some 20 million Americans have obtained coverage under the ACA, and Trump has signaled interest in keeping some popular provisions, such as...

To Read the Entire Article, Please Click Here.

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And, Remember to tell Craig the Green Bay News Network sent you!

Craig Siminski ~ Featured Speaker at Allouez Senior Seminar

October 6, 2016

Craig Siminski, of the Equity Design Group, a well known and respected Certified Financial Planner, will be the featured Presenter & Speaker for the Allouez Senior Seminar on Tuesday, October 18th.

A frequent guest on the nationally broadcast radio show "On Call with Wendy Wiese" on Relevant Radio, Craig's topic will be Retirement Income Planning: "The more rising investment income you bring into a rising cost world, the more likely you will not run out of money."

Craig will stress the importance of dividends - to maintain purchasing power.

Tuesday, October 18th, 2016

Social 1:00pm - Presentation 1:10pm-2:00pm

Allouez Village Hall - 1900 Libal Street

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay -  Visit him on the web, or email him at [email protected].

And... Remember to tell Craig the Green Bay News Network sent you!

Social Security and Medicare Update

September 15, 2016

The fiscal challenges facing Social Security and Medicare have been well publicized, but many Americans may not be aware of the facts behind the headlines.

Each year, the Trustees of the Social Security and Medicare trust funds release detailed reports to Congress on the current financial condition and projected financial outlook of these programs.

Here is some background on the trust funds and key projections from the most recent reports, which were released on June 22, 2016...

To Read the Complete Article, Click Here 

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

And... Remember to tell Craig the Green Bay News Network sent you!

Brexit ~ How Does it Impact Investors?

September 1, 2016

BREXIT was nearly the entire News Cycle for quite a stretch, but now..."Not So Much."

Do you understand what happened, and how you -- as an investor -- may be affected?

After the June 23rd vote, economic shockwaves and reverberations were felt in worldwide economic sectors.  While the media currently pays little or no attention to BREXIT, its impact continues.

What should You know?

For What should You be Watching?

Craig Siminski, of the Equity Design Group, is providing you free access to a brief, engaging, and informative video, that will help you understand and make sense of BREXIT, and how it may impact your investments -- and your investment strategies.

Click Here to Watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

And... Remember to tell Craig the Green Bay News Network sent you!

Below Zero Interest Rates ~ The Implications

July 28, 2016

Why would a central bank lower interest rates?

How do negative interest rates work?

What are these banks hoping to accomplish?

What are the potential implications?

As of late April, 2016, a number of central banks in European countries have begun to experiment with negative ("Below Zero") interest rates.

Craig Siminski, of the Equity Design Group, invites you to view a short and informative video, and learn how this may affect your finances.

Click Here to watch Video

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

And... Remember to tell Craig, that the Green Bay News Network sent you!

The Bipartisan Budget Act

July 14, 2016

Have you heard of the Bipartisan Budget Act?

Does it affect you?

Do you understand how it impacts Medicare and Social Security?

To make things easier, Craig Siminski, of the Equity Design Group, offers free access to a short, engaging, and informative video, that may help you to understand this important legislation:

Click Here to Watch

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience: His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected].

And... Remember to tell Craig the Green Bay News Network sent you!

Are You Protected Against Inflation?

May 5, 2016

TIPS for Inflation Protection

Inflation was very low in 2014 and 2015, with annual rates of just 0.8% and 0.2%, respectively, as measured by changes in the consumer price index (CPI).

The Federal Reserve’s decision to begin raising interest rates reflects a belief that inflation will return to its more normal “run rate” of about 2% annually.

That rate is still relatively low, but even moderate inflation can have a negative impact on the purchasing power of investments. Consider that a hypothetical investment earning 5% annually would have a “real return” of only 3% during a period of 2% annual inflation. This rate of return would be further reduced by income taxes.

One way to help protect the purchasing power of your investment dollars is by investing in Treasury Inflation-Protected Securities (TIPS).

Along with the earnings potential associated with other Treasury bonds, TIPS are indexed for inflation. If the CPI rises, the principal value of TIPS increases. If the CPI falls, the principal value falls. TIPS are guaranteed by the federal government as to the timely payment of principal and interest.

TIPS pay a fixed rate of interest twice a year based on the current principal, so the amount of interest may rise and fall.

If you hold the bond to maturity, you will...

Click Here to Read the Entire Article

Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience:

His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

Meet Craig Siminski

March 24, 2016

"An Architect, Not a Salesman"

Those are the words that Craig Siminski, of The Equity Design Group, uses to describe himself -- and by which he conducts his services as a Certified Financial Planner Professional.

"I like having the resources, and the right attitude and ethics to help people succeed with their financial goals. I always put their financial interests before my own.

I’ve got a great opportunity to do good.  Even where some advisors won’t help, I will. I pride myself on being very thorough and detailed."

This Summer, Craig will complete 18 years of experience as a Certified Financial Planner Professional, and 25 years of The Equity Design Group. To Craig, the years have gone by quickly.

"I will invest all the time it takes to fully understand - and to empathize with - your personal financial hopes and fears. I will respect your feelings on these matters, simply because they are your feelings.

...I will also seek the solution which is simplest, most efficient, and most effective for you. I will never ask you to implement that solution, unless and until you fully understand it and believe in it; which are not two ways of saying the same thing."

Craig grew up in Two Rivers, and currently resides in Allouez with his daughter Madison. His pastimes include fishing, golfing, horseshoes, softball, and playing sheephead

Craig stays involved in the community as an active member of the Knights of Columbus, Neville Public Museum Astronomical Society, and past President of the Green Bay Monday Noon Optimists Club.

In addition, he is part of the Community Development Committee at his church, a member of the Allouez Business Association, and is a member of the Economic Development Committee for the Village of Allouez. Craig also does a radio show on WOMT in Manitowoc, Wisconsin, and has been a guest speaker on the nationally broadcast Relevant Radio show "On Call" with Wendy Wiese.

We asked Craig what "one thing" he would like our members and readers to know:

"My door is always open for a second opinion on financial goals, and to answer any of your questions. I will work, with all of the technical resources and personnel at my command, to find solutions best suited to your personal situation."

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

Time to Make Medicare Changes

October 8, 2015

When Medicare was first signed into law in 1965, it consisted of Part A hospital insurance and Part B medical insurance, now referred to as Original Medicare. These programs are administered directly by the federal government and have standardized services, premiums, and deductibles.

Two other types of coverage have since been added — both offered by Medicare-approved private insurance companies — with varying costs and benefits. Part C, or Medicare Advantage, replaces Original Medicare and often includes prescription drug coverage and other benefits. Part D Prescription Drug Coverage can be selected with Original Medicare or with Medicare Advantage Plans that do not offer drug benefits.

Medicare beneficiaries can make certain changes during the annual open enrollment from October 15th, to December 7th.

Click Here to Read More on this and other topics

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, Visit him on the web, or email him at [email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

Local CFP to Make 4th Appearance on National Radio

September 3, 2015

As we say in the news business, This Just In...from Craig Siminski, of the Equity Design Group:

"I’ve been fortunate enough to get the full hour on my next Relevant Radio show - “On Call” with Wendy Wiese – AM1050. The program will air on Wednesday, September 16th, from 1:00pm to 2:00pm; Central.

Broad topics are: “What’s going on with the market,” and “Charitable planning - donor advised funds allow for anonymous gifts."

Craig is a CERTIFIED FINANCIAL PLANNER™ professional, with over fifteen years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. 

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or email him at[email protected] . 

And...Remember to tell Craig the Green Bay News Network sent you!

 

Craig Siminski Discusses Creating an Investment Policy Statement on National Radio

June 15, 2015

Craig Siminski, an experienced Green Bay Retirement Income Planner helped listeners  deal with the very important topic of “Have you created an investment policy statement?” on National Radio Tuesday, June 16th.  If you missed it, have no fear.  A recording of the entire show can be found at Craig's website.  Regarding an Investment Policy Statement, Craig says:

This is, at its most basic level, the plan which dictates the asset allocation -- and how we further diversify -- among the asset classes and timely rebalance.  While these topics might sound terribly complex, Craig is very talented at explaining these very important topics in a very clear and concise way.

Craig believes all successful investors are acting on a plan/Investment Policy Statement while all failed investors are reacting to the market.

Grab your laptop, get comfortable and visit Craig's website to listen to his sage advice.  Visit www.craigsiminski.com and click on the "June 16th" link.

Craig offers a wide range of financial products and services. For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or email him at [email protected] . 

Remember to tell Craig the Green Bay News Network sent you!

Craig Siminski, Local CFP, To Talk “Retirement Investments” on National Radio

March 5, 2015

Green Bay News Network Member, Craig Siminski, of Equity Design Group in Allouez, will be the Special Guest on Relevant Radio's "On Call" with Wendy Wiese, from 1:00 PM to 2:00 PM, next Tuesday, March 10th.

Craig will be discussing "The importance of rising retirement investment income in a rising cost world, and income tax planning questions that may arise."

Realizing that many people are concerned with regard to “how” their money may be used, Craig will be happy to answer callers questions about what it means to be a morally responsible investor.

Relevant Radio can be found at AM 1050 in the Green Bay listening area. You can also listen online, by visiting Relevant Radio on the web, and clicking the "Listen Now" button.

Craig is a CERTIFIED FINANCIAL PLANNER™ professional with over fifteen years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. Craig is committed to designing and implementing financial strategies that focus on his clients’ needs. He seeks to be a lifetime resource for each and every client.

Craig offers a wide range of financial products and services. For more information, give him a call at 920-569-8363, stop by his office – located at2050 Riverside Drive in Green Bay, or visit him on the web and tell him the Green Bay News Network sent you!

The Retirement Income Tree

February 5, 2015

Craig Siminski, a Certified Financial Planner™ professional, with over fifteen years of experience, seeks to provide families, business owners and their employees with assistance in building their financial freedom.

“I am committed to designing and implementing financial strategies that focus on my clients' needs. I strive to attain these goals by providing comprehensive planning for families and business owners, by focusing on tax saving strategies, retirement needs, investments, insurance and legacy planning.”

In this short, informative video, Craig gives a brief introduction to the 30-Year, Two Person, Spending Plan.

For more information, give Craig a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or visit him on the web.

WHAT DO “CLIMBING MOUNT EVEREST,” AND “RETIREMENT INVESTING” HAVE IN COMMON?

January 12, 2015

Part Two...

In this video, Craig Siminski, of Equity Design Group, using an intriguing analogy, continues with helpful advice for avoiding common pitfalls in retirement planning.

So, grab your climbing gear – and your planning tools, and click here to watch this informative video!

Craig Siminski offers a wide range of financial products and services.

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or visit him on the web.

 

What do “Climbing Mount Everest,” and “Retirement Investing” Have in Common?

December 29, 2014

Part One...

In this video, Craig Siminski, of Equity Design Group, uses an intriguing analogy to help us avoid common pitfalls in retirement planning.

So, grab your climbing gear – and your planning tools, and click here to watch this informative video!

Craig offers a wide range of financial products and services.

For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or visit him on the web.

Welcome Craig Siminski - Retirement Specialist - to the GB News Network!

November 11, 2014

Describing his professional role, Craig says:  "I’m a retirement income planner. I work to try and help ensure my clients will have enough income to maintain their dignity and independence in retirement.

I’m not the universal expert; I’m more of a wrangler of experts. I will work with the full panoply of the technical resources and personnel available to find solutions best suited to your personal situation. But no one will ever understand that personal situation better, nor care about it more, than I do."

Craig is a CERTIFIED FINANCIAL PLANNER™ professional with over fifteen years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom. Craig is committed to designing and implementing financial strategies that focus on his clients’ needs. He seeks to be a lifetime resource for each and every client.

Craig doesn't just do business in the Green Bay area, he is personally involved in our community.

His current memberships and activities include:

Knights of Columbus

Neville Public Museum Astronomical Society

Past President of the Green Bay Monday Noon Optimists Club

Financial Planning Association, Northeast WI Chapter

Community Development Committee at his church

Estate Planning Council of Northeast Wisconsin

Allouez Business Association

Craig also does a radio show on WOMT in Manitowoc

Craig offers a wide range of financial products and services. For more information, give him a call at 920-569-8363, stop by his office – located at 2050 Riverside Drive in Green Bay, or visit him on the web and tell him the Green Bay News Network sent you!