Financial services

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 csiminski@equitydesigngroup.com . 

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

Biggest Winners of the New Tax Act

May 15, 2018

Attention – calling all business owners!

With the new tax law act, did you know that you benefit the most from the changes?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Marvin Blum, one of the nation’s top 100 attorneys, who explains how you can take advantage of this in a way that will suit you best.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Catholic Financial is "Top Workplace" 5th Year in a Row!

May 10, 2018

Catholic Financial Life has once again been named a Top Workplace by the Milwaukee Journal Sentinel!

This marks our 5th consecutive win, having previously been recognized in 2014, 2015, 2016, and 2017.

We're proud to announce that we've been named a 2018 Top Workplace by the Milwaukee Journal Sentinel! A big thank you goes out to all of our associates and advisors, who helped make this possible.

Presently, we're seeking New Advisors to join our team here in Green Bay! Give us a call at 920.432.8824!

Catholic Financial Life has been protecting the financial security of Catholic families for nearly 150 years, and they'd love to help you get started today!

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell today, and be sure to let her know that the Green Bay News Network Sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

A Boy Named Danny

May 10, 2018

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Stephanie Thompson, the mother of Danny, a young boy with Sensory Processing Disorder.

She admits that although she is a Financial Professional, the family’s finances were not on her mind when she learned of the diagnosis – her priorities were his comfort, health and well-being.

Tune in to hear what she and her husband learned along this beautiful journey, and their advice on preparing financially for raising a child with special needs.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Retirement Checklist

May 1, 2018

Retirement brings a flurry of emotions – excitement, worry, relief, uncertainty – maybe you feel all of them.

There are often many small details that are forgotten amidst the time of retirement that are detrimental to the security of your future.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us renowned Retirement Specialist Curtis Cloke, who reveals five important decisions you MUST make ensure you are fully ready for retirement!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Getting the Social Security Benefit You Deserve

April 26, 2018

You contribute to Social Security throughout your career, so why wouldn’t you make sure you get your full benefit?

Dust off your calculator and head to your financial professional, because you’re going to want to do the math on this one.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Social Security Specialist and Estate Planning Attorney Ruthann Driscoll, who discusses strategies to help you maximize the benefit you rightfully deserve.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Retirement Challenges for Women

April 17, 2018

Did you know that women typically face more challenges in retirement than do men?

What do these unique challenges entail, and how can you ensure that you adequately prepare for them?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Retirement Specialist Tom Hegna (as seen on PBS), who addresses the problems most women face, and offers his insight on what you can do about them.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

The Power of Zero

April 12, 2018

Did you know that the US debt has toppled over $21,032,685,133,173.23?

The new tax law has taken into consideration this severe cash crisis, and warned the nation that tax brackets will increase in eight years. Until then, however, we have some of the lowest rates this country has ever seen.

How can we take advantage of this?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us David McKnight, author of The Power of Zero, who exposes how to move into the 0% tax bracket, essentially eliminating the risk of increased taxes from your retirement plan.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Frugal Living: How Simplicity Offers Happiness

April 5, 2018

At a young age, Elizabeth realized she didn’t want to work her life away.

After abandoning a life in the city and dedicating her life to frugality, she was able to quit her full-time job at the age of 32 to pursue her dreams.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Elizabeth Willard Thames, Author of "Meet the Frugalwoods," who reveals some of her greatest – yet simple – secrets, including how she was able to pay for a car with cash at age 16 and how she bought her dream house on a 66-acre lot in the woods, debt-free.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

When Tragedy Strikes

March 27, 2018

A small town family – two young teenagers and happily married couple of 25 years – was getting ready to celebrate Christmas.

Everything was perfect up until one snowy afternoon...

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Stephanie Thompson and Tony Liace, who tell the touching story of a woman whose world was turned upside down when her husband died of a sudden heart attack. Hear about how their delivery of one life insurance check brought stability and hope amidst a time of heartache.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

A New Look On Loans

March 22, 2018

Whether you’re a farmer or a metropolitan business owner, some people spend their lives in and out of banks getting loans and paying them back.

But, did you know that it’s possible to borrow from yourself instead?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Mary Jo Irmen, Author of "Farming Without the Bank," who helps people, such as farmers, with huge operating expenses get out of the banking system.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

How the new tax law can benefit YOU

March 13, 2018

Tax Season is upon us!

And, there’s a big difference between getting your taxes “done,” and implementing tax planning strategies to maximize your return!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us CPA and Tax Specialist Sandy Botkin, who discusses the new tax law that went into effect January 1st of 2018, what the changes mean for you, and what you can do NOW to get the most out of it!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Saving and Spending: Secrets of Centenarians

March 6, 2018

Did you know that centenarians are the fastest growing segment of the American population?

The odds of living a long and vivacious life are increasing all the time, so how do we make the most out of our years?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us author Steve Franklin, who, having traveled the country interviewing centenarians, shares their wisdom with us!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Getting Up to 10 Times More...

February 27, 2018

...Out of Your Life Insurance

Many of us, when we shop for Life Insurance, try to find the policies that offer the greatest benefits.

And -- If you think you have to die to benefit from your life insurance policy, think again!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us author Tony Martin, who shatters this common misconception and reveals how Life Insurance could have to benefits to help you NOW.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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!

Life Insurance in 3 Simple Steps

February 20, 2018

Did you know that when it comes to life insurance, LIMRA says 70%-80% of Americans feel underinsured?

With so much information packed into each policy, picking the right life insurance might make your head spin!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Phil Harriman, co-author of the book Life Insurance 10X, who explains how every life insurance contract can be broken down into just three simple components.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Work Got You Down?

February 15, 2018

Successful individuals don’t just go through life...

...they GROW through life!

An important part of Catholic Financial Life‘s mission is serving God through serving others. As a Catholic Financial Life Advisor your work supports annual outreach of:

• Over $300,000 in Catholic school scholarships.

• More than $550,000 in charitable contributions to Catholic
schools and parishes.

• In excess of 23,770 hours of volunteer service and nearly
$150,080 in funding to the Society of St. Vincent de Paul.

Get started today on a career you'll love — that rewards you and impacts the lives of those you serve. Give their Green Bay office a call to hear about the great opportunities available now!

To Learn More, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 703.928.9695

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

What would happen if you weren’t around?

February 15, 2018

Who do you love?

What would happen to them financially if you weren’t around?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Renowned Financial Speaker, Larry Rybka, who explains how Life Insurance protects you and your loved ones, and what you can do to make sure you have the right plan for you!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Every family needs to safeguard their financial future.

February 7, 2018

But, how do you decide on the right amount and type of coverage?

Catholic Financial Life is here to help!

Catholic Financial Life doesn't believe that a one-size-fits-all approach is the way to do business. Everyone has unique financial needs and goals.

Because we care about our members and want what's best for you, we recommend partnering with one of our professional advisors for a free, no-obligation financial needs analysis.

Catholic Financial Life has been protecting the financial security of Catholic families for nearly 150 years, and they'd love to help you get started today!

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 703.3928.9695

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Preparing for the Unimaginable

February 7, 2018

Do you know the top 10 causes of death in the U.S.A.?

Did you know that Alzheimer’s Disease falls at number 6?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Martin Schreiber, Author of “My Two Elaines”, who walks us through what to expect and how he and his wife adjusted their lives when she was diagnosed.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Our Lady of Lourdes School Among "Give Back" Winners

February 1, 2018

Eleven Catholic schools made it to the final round of voting in Catholic Financial Life’s Give Back contest! Nearly 10,300 votes were cast for all of the schools.

Congratulations to the following schools who received the most votes:

Small School Category:
1st Place: Our Lady of Lourdes Catholic School – De Pere, WI
2nd Place: St. Anthony School – Oconto Falls, WI

Large School Category:
1st Place: St. Mary Parish School – Hales Corners, WI
2nd Place: Holy Apostles Catholic School – New Berlin, WI

Catholic schools were invited to submit a 2-minute video showcasing how their school forms students into disciples who live out the Gospel challenge to "love one another."

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For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 703.3928.9695

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Heather Lindsley ~ Making Financial Planning Personal

January 31, 2018

Woodmen Financial Resources is a full service financial services firm based in Green Bay, Wisconsin. They assist clients throughout the U.S. who want objectivity without any product/sales influence.

Here in Green Bay, Woodmen Financial is well-represented by Heather Lindsley, LUTCF.

"We do our best to make financial planning personalized, practical, convenient, and easy. Our highest priority is creating value and financial confidence for our clients."

Heather joined Woodmen Financial Resources in June 2013. She specializes in the area of life insurance analysis, as well as medicare, long term care, and retirement income. She brings a great perspective in understanding a client's financial situation, and is respected in the local financial professional community.

To learn more about Woodmen Financial Resources, Heather would like to share with you a brief and informative Facebook Video: Please Click Here.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Kathleen Burns Kingsbury, Author of “Breaking the Money Silence,” who shares some great tips on how to start the conversation so you can start achieving your financial goals!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

De Pere School among "Give Back" Finalists - Vote Now!

January 23, 2018

To celebrate 150 years of protecting families and supporting Catholic Schools, Catholic Financial Life is holding another Give Back Video Contest!

Last year, more than 25 schools from across the country participated in the contest.

Our Catholic Financial Life Green Bay office is asking that you please vote for Our Lady of Lourdes School, De Pere, which is one of the finalists. They need Your support to win!

The winners will receive cash prizes:

1st Place (enrollment over 250 students): $5,000

1st Place (enrollment under 250 students): $5,000

2nd Place (enrollment over 250 students): $2,500

2nd Place (enrollment under 250 students): $2,500

You can show your support by Voting Here

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 703.3928.9695

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Roadmap to Retirement

January 23, 2018

A roadmap is a helpful tool, providing it's from a trusted source.

Is your retirement roadmap determined by gossip and hearsay, or by math and science?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Renowned Retirement Specialist Curtis Cloke, who highlights the differences between new and old strategies, and how you might find the best route for you!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

FINANCIAL SOLUTIONS FOR CATHOLIC FAMILIES AND BUSINESSES

January 16, 2018

Catholic Financial Life offers an impressive array of Financial Solutions, especially with Catholic Families and Businesses in mind:

Life Insurance

Annuities

Retirement Plans

Education Savings Resources

Other Insurance Products

For More Information on These Financial Solutions, Please Click Here.

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 703.3928.9695

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Commonly Missed Veteran's Benefits

January 15, 2018

Calling All Veterans!  Are you sure you have everything in order to receive the benefits you deserve?

Have you or a loved one ever tried applying for VA benefits and been declined?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us VA Claims Agent Brian Byars, who shares some great advice on how and with whom you can work to get your affairs in order, and possibly get more benefits than you knew were possible!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

IRA Tax Disasters Waiting to Happen

January 11, 2018

A familiar old saying puts it something like this: "The only sure things in life are death and taxes."

You work hard to save money for retirement, but have you given any thought about what would happen to the funds if you pass?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Estate Planning Attorney Rex Ritchie, who explains IRA tax traps and bad situations that people often fall into when a well thought out plan isn’t in place.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

A CAREER OF SERVICE

January 4, 2018

For three years running, Catholic Financial Life has been named a "Top Workplace" by the Milwaukee Journal Sentinel. If you're looking for a position now, or considering a career change, you may be interested in one or more of the following:

Advisor

"Catholic Financial Life is in the business of safeguarding the financial security of our members. Because we’re a community-based not-for-profit financial services provider, we have a “Main Street” not “Wall Street” approach. As an advisor with Catholic Financial Life, you have the opportunity to live your faith while building a great career. We give you the unique ability to serve a market with endless opportunities."

Home and Field Office Careers

"Our associates are our most valued resource. Our unique atmosphere provides a work environment encouraging professionalism, caring, respect, cooperation, open communication and humor."

Independent Brokers

"Our value proposition sets us apart from our competition. It offers you, an independent broker, products, and service backed by a company of integrity and a history of doing things right by our members for over 146 years. With Catholic Financial Life, you have the opportunity to tap into an underserved market with endless opportunities. We offer a comprehensive product portfolio of fixed life and annuity products, competitive interest rates, fair surrender periods and a few products you won’t find anywhere else."

To Learn More, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

 

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Commit ~ Connect ~ Create

January 3, 2018

Many of us have made Resolutions for the New Year, and if you haven't yet, you still can!

What’s your New Year’s Resolution – and will you keep it?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Kevin Gaskell, the man who brought Porsche from bankruptcy to #1, who reveals how you can tap into your inner genius.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Are You Resolved to Secure Your Family's Future?

December 28, 2017

Many of us make New Year's Resolutions, with the general idea being to improve our lives and situations.

For area Catholics, a helping hand can be found from Catholic Financial Life. Membership in CFL is a great way to build security for your family, as well as peace of mind.

As a member of Catholic Financial Life, you join together with more than 108,000 other Catholics who share similar values. Since they are a not-for-profit organization, their members govern Catholic Financial Life.

You can become a Catholic Financial Life member by purchasing a financial product. You also have the opportunity to enjoy wholesome family activities at a discount through a local chapter.

Through chapters, a local grassroots network of groups, members of all ages partake in social, educational, religious and civic activities to benefit local parishes and schools, individuals in need, and community organizations.

Catholic Financial Life's chapter system conducts more than 2,400 volunteer activities each year. Chapter funds are used to sponsor social and charitable projects. Local chapters elect chapter leaders who help local members receive the full benefit of their membership by organizing and encouraging participation in chapter activities.

To Learn More About Membership, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

What’s Your Story?

December 27, 2017

These days, we're all bombarded with information and data to review and digest about everything and everyone.

What’s more intriguing, a resume or a personal connection?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Former Houston Oiler Bo Eason, who shares his personal story of how perseverance and determination took him from runt of the litter to NFL standout.

When his NFL career ended he turned his experiences into an award-winning play, and soon learned how storytelling can build trust and personal connection that people crave in this digital and impersonal world.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

'Tis The Season!

December 21, 2017

Wishing you a wonderful Christmas filled with memories you'll always treasure. Merry Christmas and Happy New Year!

"Thank you for all you do, Merry Christmas from Woodmen Financial Resources!"

Click here to listen to this week's "Real Wealth Weekly" program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Make Your Life Less “Taxing”

December 14, 2017

Many of us don't fully understand the tax system.

How is the tax system set up and what’s the best way to save money on taxes?

What will change if the proposed tax overhaul gets passed?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Sandy Botkin, CPA, Attorney, Author, and CEO of the Tax Reduction Institute, who answers these questions and more!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Catholic Financial Life Wins 2017 NDI Board of the Year Award

December 7, 2017

Catholic Financial Life is proud to announce that their Board of Directors received the 2017 Board of the Year award from the Foley & Lardner LLP National Directors Institute!

“Catholic Financial Life’s board of directors has worked closely with its leadership team to implement a long-term strategic plan that is in alignment with the mission and vision of the organization. The board is unique in that it has adopted public company governance best practices and policies that have contributed to a thriving and financially sound company. Catholic Financial Life is a shining example of how good governance directly results in greater long-term value for members and employees. The organization truly believes that when faith and finances are brought together, great things happen that benefit the common good.” - Foley & Lardner

To learn more about their Board, check out this video from Bill O’Toole, President & CEO of Catholic Financial Life.

Here in the Green Bay Area, You Can Contact Kristin O' Connell, or Joe Giganti with regard to your Financial Needs, Questions, and Concerns.

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

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

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 csiminski@equitydesigngroup.com . 

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

Tax Issues & Long Term Care

December 7, 2017

The Federal Government and many state governments have provided tax advantages for those who purchase long-term care insurance.

Many of the general rules discussed and examples provided have exceptions and limitations, and as a result it is possible that the general rule or example may not apply to you or your particular situation.

Please note that laws and regulations change frequently and are subject to...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

College Admissions Secrets Revealed

December 7, 2017

If you tell a car salesman exactly what you want, you probably won’t get a discount, because he knows you’re not shopping around.

Did you know that colleges are the same way?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Educational Consultant Coy Howe, who reveals insider secrets to college admissions, and how you can get on the right track to finding the best rates for a college education!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

What Are Your Questions About Long Term Care?

November 30, 2017

Though we might not enjoy thinking about it, many (if not most) of us will, at some time, have a need for Long Term Care -- either at home or in a facility of some kind.

Those who do take time to think about it, often have questions for which they need answers.

Questions such as these perhaps:

What does Long-Term Care insurance cost?

Will this pay for home care?

What if Long-Term Care insurance is not affordable for me?

Romeo Raabe, "The Long Term Care Guy," provides answers to these questions and more. Click Here for Answers!

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Your Home ~ Or a Nursing Home?

November 30, 2017

Most people wish to stay in their own home for as long as possible.

What if the floors, stairs, doors, and counters you’ve used day after day were suddenly inaccessible? Whether it’s an accident or aging, it could happen to you.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Rosemarie Rossetti, Creator of the Universal Design Living Laboratory, who shares great information on how you can make your wish a reality!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Thanksgiving Dinner – How is Grandma Doing?

November 22, 2017

The holidays including Thanksgiving and Christmas are times when the entire family gets together. It is often the situation where we realize someone is not doing so well on their own anymore.

Perhaps it is struggling to prepare all the food being a physical burden. Other times it might be forgetting to do something or doing it in a completely non-logical way. Physical abilities can decline as can cognitive abilities.

Such declines are not a normal part of aging but signs that something is wrong. Perhaps care is needed now that the deficit is recognized. Who will take charge, who will make decisions, is there a power of attorney for health care and for finances? Sometimes sudden choices need to be made.

The local ADRC (Aging and Disability Resource Center) can be a good place to start, but there are many other strategies and help available that they are not even aware of.

Yes, you can protect some funds for family. It is not necessary to spend every dollar of assets paying for care. There are also ways to make the available funds last much longer than simply writing checks until they are all gone. Perhaps this can leave some left over at the end.

For 24 years we have been helping families dealing with or planning to deal with the costs of long-term care. We know what you need to do BEFORE paying a caregiver so as not to become disqualified for Medicaid later. We know how to protect some assets for family. Come find out what you can do before all is spent down to the $2000 limit on assets (for a single person).

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

BIG Opportunities for the Self Employed

November 22, 2017

Being your own boss has its challenges.

But, it also has some pretty neat perks, like tax deductions!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us HRA Professional Zach Donner, who explains one of the most overlooked tax deductions - the Health Reimbursement Arrangement - and the awesome opportunity it presents.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Long-Term Care’s Terrible Cost to Families

November 16, 2017

Currently, 40 million Americans are caregivers, and the cost is far more than money. It involves loss of time with other family members, cancelled trips, lost promotions, time away from work, loss of job, loss of sleep, loss of keeping up with a career, and yes, loss of money as well.

Some people simply cannot do this, they cannot abandon their children who need them. They cannot live with criticism from siblings who will not or cannot help out, or worse yet, refuse to accept the fact that their parents are failing.

Dementia is the worst, with 57% of caregivers going to work late, leaving early, or taking time off. For physical care it is only 47% but this still takes a toll on career and the workplace loses as well. 9% give up their careers entirely – can your children afford to do this?

Then come the legal and financial woes, do your parents have durable power of attorney established? With whom? How long ago was this set up? How about power of attorney for health care? Can anyone find the documents and how old are they? Without these documents, thousands of dollars may...

To Read The Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Don’t go broke in a Nursing Home!

November 16, 2017

On average, the overall life expectancy, for someone born in 2015, stands at 78.8 years.

People are living longer, but it comes with a cost – literally!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Don Quante, Author of “Don’t Go Broke in a Nursing Home,” who shatters misconceptions of government elder care assistance, and shares why creating a Long Term Care plan ahead of time can make a huge difference for you and your family.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Will You Burden Your Children to Pay for Your Funeral?

November 9, 2017

Nobody intends to leave this bill for their children, you probably have some life insurance and you certainly have money that can pay this bill.

The problem is that things change and are often out of your control. Your health changes and suddenly you find yourself needing money to pay for long-term care, lots of it. This happens to about 70% of us according the Health and Human Services (HHS).

Yes, the government will pay for long-term care once you prove that you are impoverished – broke. You must spend down everything you have to less than $2000.

You must cash in your life insurance if it is more than...

To Read The Entire Article Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Who Will Take Care of Mom?

November 9, 2017

Sibling rivalry is normal when you’re young.

But it can be disastrous when middle- and retirement-aged siblings argue over Long Term Care plans for aging parents.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Professional Pat Foley, who shares a personal story of how his family fell apart when disagreeing over their mother’s care, and why he’s on a mission to promote effective Long Term Care planning so others don’t suffer the same fate.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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...

Click Here to Read the Entire Article

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 csiminski@equitydesigngroup.com.

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

Using Home Equity to Fund Long-Term Care

October 31, 2017

You can use your home to stay at home, or to pay for care so you can go to the facility YOU prefer.

But first, why might you not be allowed to go to the facility you prefer?

Long-term care (LTC) facilities need to charge for the care they provide. Their staff costs are significant and many areas of the country are doubling minimum wage, which doubles their staff costs.

The problem is, many people run out of money paying for their care and need to apply for Medicaid. Medicaid is a government welfare program that will pay for LTC once your money is completely gone.

Well, not completely, you can keep just under $2000, but you have to cash in your life insurance (over $1,500) and you can only keep $45/month from your income, so you are pretty much broke. Even that $2000 goes back to Medicaid at your death meaning your children may be passing the hat to pay for final expenses.

Medicaid pays less than what it costs for your care.

LTC facilities cannot lose money on every customer and make it up in volume. Thus they must limit the number of Medicaid recipients they allow in...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Understanding the Health Insurance Marketplace

October 30, 2017

The health insurance market is in disarray.

How is it possible to find the best rates?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Health Insurance Consultant Terry Frett, who gives an update on the marketplace and the ACA, and offers tips on how to get the most out of your remaining options for health insurance.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Green Bay Area "Trick or Treat" Hours

October 26, 2017

As he has done previously, Joe Giganti, of Catholic Financial Life, has again asked us to pass along the schedule for Trick-or-Treating in some of our local communities:

Allouez, 4-7 p.m. Oct. 31.

Ashwaubenon4-7 p.m. Oct. 31.

Bellevue, 4-7 p.m. Oct. 31.

De Pere, 4-7 p.m. Oct. 31.

Denmark, 3-6 p.m. Oct. 31.

Green Bay, 4-7 p.m. Oct. 31.

Hobart, 4-7 p.m. Oct. 31.

Howard, 4-7 p.m. Oct. 31.

Lawrence, 4-7 p.m. Oct. 31.

Ledgeview, 4-7 p.m. Oct. 31.

Little Suamico, 4-7 p.m. Oct. 31.

Pulaski, 4-7 p.m. Oct. 31.

Rockland4-7 p.m. Oct. 31.

Seymour: 5-7 p.m. Oct. 31.

Suamico, 4-7 p.m. Oct. 31.

Wrightstown, 4-7 p.m. Oct. 31.

Joe mentioned that although most area communities are holding Trick-or-Treating on Tuesday, October 31st, from 4pm to 7pm, there are some variations.  

As a parent himself, Joe advises us to abide by the scheduled hours in our own communities.  The local police departments will be paying special attention during those hours for the safety of your children.  

If your community is not listed above, Joe suggests that you call your local law enforcement agency, and they will be able to provide the necessary information.

In a world filled with uncertainty, Catholic Financial Life has served as the foundation of families’ financial security for nearly 150 years. As the video below describes, we are dedicated to continuing to meet the needs of our Catholic community.

Click Here for the Video

For more information, Contact:

Joseph R. Giganti, Sr.
Advisor, Catholic Financial Life
200 S. Washington St. Suite 300
Green Bay, WI 54301
T 920.569.4606 F 920.432.8997 C 703.928.9695
joe.giganti@catholicfinanciallife.org
www.catholicfinanciallife.org

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...

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 csiminski@equitydesigngroup.com.

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

Questions On How to Deal With Long-Term Care?

October 26, 2017

Many people do have questions:

Why can’t Grandpa give us the farm? Can Grandma keep her life insurance? Doesn’t Medicare pay for the first 90 days in a nursing home? Can I give my care to my grandchild? Can my parents pay me to care for them? If I care for my parents, must I pay income taxes on what they pay me?

Some of them may be specific to your situation. Ask away and I will answer them, in a generic way with no personal information shared. You know there will be someone with nearly the identical question. 

People do not know where to turn for answers. Lawyers charge for their time. The ADRC has some help but they do not know...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

What’s your “Why?”

October 25, 2017

You know your retirement will come someday.

How will you spend it, and more importantly – why?

What’s your mission, what are your dreams, and how will you get there?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Advisor Trainer Jon Baker, who talks about why your retirement goals can be about more than money.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Care in Your Own Home

October 19, 2017

Brand New: Inexpensive Insurance That Pays For Care in Your Own Home

Home care insurance that almost anyone can get. You’ve surely heard how expensive and difficult to get long-term care insurance can be. Now we have something new:

It pays for care in your own home (where you want to be anyway). It has only one health question – if your family were to all go on a one month vacation and left you alone at home, could you manage on your own for this time?

If your answer is yes, then you can get this coverage for home care.

If you are already receiving home care it is too late. If you wait, and your health changes, you waited too long. Besides, each year you have this before care is needed, the price drops 10% per year for a total of 40% discount.

So, if you need kidney dialysis but can function on your own, you are eligible.

If you have arthritis, disabling or not, but can function on your own, you can get this.

If you have cancer, Parkinson’s, the start of Alzheimer’s, had a stroke or several strokes, need joints replaced, walk with a cane or walker, Have diabetes, even if you’ve had amputations, you are too short (for your weight), have macular degeneration, emphysema, fibromyalgia, or have had organs replaced, if you can function on your own yet, you can get this.

You choose the amount of hours per year of care you want. You pay an annual premium (that gets cheaper each year before you need care). When care is needed this will pay for either a home care agency to come in and provide care, or it will pay a friend or neighbor...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

A Helping Hand for Small Businesses

October 18, 2017

Do you have any friends or family members who are business owners?

Or, how about family or friends who just have some good ideas to help the community?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Certified SCORE Volunteer Mentor, Earl Humphrey, who shares with us about the SCORE program, and how they mentor businesses so entrepreneurs have someone on their team!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

GIFT-GIVING SEASON IS APPROACHING!

October 12, 2017

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

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 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 csiminski@equitydesigngroup.com . 

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

Five Tips to Help Pay off Your Student Loan Debt

October 12, 2017

We were speaking with Joe Giganti, of Catholic Financial Life, just the other day, and our conversation turned to college expenses and debt.  Joe shared a resource with us, that we're now passing on to you.

------

While many college grads are starting their first real job, that’s not the only thing they might be starting; Student loan payments begin shortly after graduating. Many grads want to become debt-free as soon as possible but knowing how to do so isn’t always obvious.

Check out these five easy tips to help pay off your student loans sooner rather than later:

Earn money on the sideConsider picking up a side job or starting your own side business and using that money only for your loan repayment. Use the income from your full-time job for other bills and spending habits. Clean out your home/apartment by having a yard sale or sell things on Ebay. Not only will you earn some extra cash, but you’ll also feel better about having your home less cluttered.

Prioritize and pick what you spend money onCut out unnecessary expenses such as TV subscriptions like Netflix or Hulu, eating out, frequent shopping trips.

Refinance student loansRefinancing your loan can mean a lower...

To Read the Entire Article, Please Click Here

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Why You Should Care When You’re Young

October 11, 2017

A frequent misperception is that long-term care insurance is only for the elderly or infirm. In reality, 50% of people receiving care today are under age 65.

It's not hard to imagine why such is the case:

Automobile and Recreational Accidents (skiing, horseback riding etc.)
Illnesses such as multiple sclerosis, stroke or heart attack.

With many working-age adults requiring long-term care services, it is easy to see that Long-Term Care Insurance is a product that everyone, regardless of age, needs to carefully consider as an addition to his or her risk management planning.

Long-term care services are only covered by Long-Term Care Insurance. It seems simple enough, but it's true - and it bears repeating...long-term care services are only covered by Long-Term Care Insurance.

Some people believe their Disability Income Insurance provides coverage if long-term care services are needed. However, Disability Income Insurance is normally designed to provide income so you can continue to meet your everyday bills and financial needs; it is usually not sufficient to pay also for long-term care services.

What Would You Do If Something Happened to You?

If you are not financially prepared for a long-term care need, your care options may be...

To Read the Entire Article, Please Click Here.

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

 

Social Security Success Tips

October 11, 2017

Social Security is an important part of your retirement puzzle.

Do you know how to get the most out of it?

Since it’s such a complicated and ever-changing program, it can be hard to keep well-informed.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us the much sought-after Social Security Speaker, Tim Kiesling, who reveals some helpful tips to maximize your Social Security benefit!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Don’t get Burned By These 5 Common Mistakes...

October 3, 2017

...in Long-Term Care Planning.

When should the spouse at home sell the house?

Let’s say the at-home spouse does not want the too-big, ailing, inconveniently located, etc. house after the other spouse enters a LTC facility. Assume they may be spending down to Medicaid impoverishment. The home is an exempt asset for the at-home spouse. If sold BEFORE the other spouse is on Medicaid the dollars go into the non-exempt column and may well be lost.

When to set up irrevocable burial trusts:

Similar to above but for a different reason. To gain entry to a LTC facility when already eligible for Medicaid is difficult as facilities lose money on Medicaid reimbursement (and rapidly getting worse). The more money you have at entry, and thus the longer you can pay for care, the better chance...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

The Famous 16 Rules

October 3, 2017

How comfortable are You with the investing?

Investments Legend Sir John Templeton once wrote a fantastic and timeless article on 16 rules for investing.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Real Wealth Weekly creator and host, Jim Silbernagel, who shares these 15 famous rules, a few “Do’s & Don’ts,” as well as some insight as to how these principles could apply to you.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Romeo Raabe To Key Note Oshkosh Senior Expo

September 28, 2017

At the Oshkosh Senior Expo on October 9th, during his Keynote Address at 12:00 Noon, Romeo Raabe, "The Long Term Care Guy,"  will be detailing strategies for any long-term care situation. It does not matter if you are healthy, or already receiving care. You may be quite wealthy, or poor as a church mouse. There are strategies for every situation to help with Long-Term Care.

Romeo will be giving two talks at the expo, one on this topic and a second talk on how to find the travel bargains so you can travel frugally too. A handout will be provided of where to look for the deals on...

To Read More About Romeo Raab's presentations at the Oshkosh Senior Expo, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

In the blink of an eye..

September 28, 2017

She had it all – a great husband, a beautiful daughter, and a thriving career.

What could possibly go wrong?

In the blink of an eye, it all changed.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Jane Blaufus, who shares the tragic story of how her life changed when her husband passed, and her courageous journey of survival and strength in the aftermath.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

When A Loved One Needs Care

September 21, 2017

Sometimes you know the time is approaching, and other times the hospital calls and says discharge is tomorrow and they cannot return home by themselves. Scary business.

This Week, Romeo Raabe, "The Long Term Care Guy," shares with us some ways to prepare financially for these challenging situations:

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No matter how much time you have to prepare and choose a provider for home care or facility care, it is going to be expensive. Most people run out of funds and end up on a government program called Medicaid.

Medicaid is a payer of last resort and they check to be sure you are completely out of funds before they take over the bills.

A single person must spend down everything, car, home, checking, savings, IRA, 401k, CD’s, investments, etc. until there is less than $2000 remaining before Medicaid will take over the bills. You must also cash in life insurance as well to receive Medicaid.

So who will pay for the funeral? Your heirs will pass the hat to pay this bill instead of receiving anything left over at death. Sad, but true. There is one strategy left by Medicaid though, and fortunately there is no cost to...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

How will Generation Z afford College?

September 20, 2017

Did you know that the average student loan debt in 2017 was $37,172 per student?

College is certainly expensive, but luckily there are people and tools available to help you plan ahead!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Richard Polimeni, the Chair of the College Savings Foundation, who shares the ins and outs of 529 Plans.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

What's In *YOUR* LTC Policy?

September 14, 2017

What exactly does it cover?

Is the benefit still the same or has it grown to keep up with increasing costs? Does it cover home care, or assisted living, or nursing homes, or all three? Did the price increase? Can I lower or shorten my benefits? Which is better?

At TheLongTermCareGuy.com we get these questions quite often. It does not matter when or from whom you purchased your policy, we have probably seen ones just like yours, and are happy to review it with you. We’ve been doing this for 24 years.

If you have had a price increase we can review and see if the benefit might be more than you need and how best to reduce it (and the price). If you are not sure what it covers and how the benefits dovetail with your current income and assets, we will...

To Read the Entire Article, Please Click Here

 

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Life Insurance as an Asset

September 11, 2017

When you think of your most valuable assets you probably consider big ticket items such as your home or vehicles.

But, have you considered that Life Insurance could be on the list?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us 40-year Insurance Industry Veteran John Wheeler, who explains that Life Insurance is so much more than a death benefit, and just how valuable it is!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Catholic Financial Welcomes Anthony Hardtke

September 7, 2017

Kristin O'Connell, Catholic Financial Life Regional Manager in Green Bay, is happy to announce that Anthony Hardke has begun his career as a Catholic Financial Life Advisor.

Anthony has been a practicing Catholic all of his life, and has been serving as an advisor now for about 3 months.  Anthony shared with us his reasons for choosing Catholic Financial:

"I enjoy helping people. In this field of business, I help people align their resources so as to best protect their families and achieve their financial goals.  I especially enjoy the fact that Catholic Financial Life, which has been around for almost 150 years, is a membership organization.  This means we put our members' interests first; helping them set and achieve their goals."

You're invited to visit Catholic Financial Life in Green Bay, say hello to Anthony, and ask any of your finanical questions!  He'll be happy to be of service.

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

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 ...

To Read The Rest of The Article, 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 csiminski@equitydesigngroup.com.

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

Don’t Need Long-Term Care Insurance?

September 7, 2017

"I have retirement income of $5000/month, my house is paid for, no loans due, and I have $600,000 in savings earning 5% interest (you wish). I don’t need any Long-Term Care (LTC) insurance!"

Let’s assume you are correct. And let’s assume that one of you has a stroke or dementia that requires care in an assisted living facility’s memory care unit which costs at least $7500/ month.

The cost of LTC services is increasing at a rate of 5% compound. You are earning 5% growth on your savings. The cost of living goes up 3%. Your income taxes are 15% and let’s forget about state income taxes. You retain $$2250/month for the at home spouse, and pay for care with the remainder of your income, interest on savings, and pull the shortfall from principal.

You are good for 6 years, and apply for Medicaid (welfare) in the 7th year.

If the bulk of your savings are in a qualified account like an IRA or 401k you will run out sooner. If you are not earning 5% interest on your nest egg, you will run out sooner. If the cost of care is more expensive, you will run out sooner and apply for Medicaid.

You don’t need LTC insurance, until you do...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Are You Assuming Too Much?

September 5, 2017

You know what they say when you assume…

Take a wild guess – how much does Life Insurance cost? According to LIMRA (Life Insurance and Market Research Association), your guess may be 3x-7x more than the actual amount!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Marv Feldman, of Life Happens (non-profit organization), who is on a mission to not only advocate for Life Insurance and the protection it offers, but to clarify how cost effective it really can be.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com

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

Go Broke?

August 31, 2017

Bob and Tom are twin brothers. They have done well in life and saved for retirement in an IRA. They each have $1,000,000, they are both married, and are now age 80.

Oh, and Tom bought long-term care insurance at age 60, a benefit of $60/day for 10 years including 5% compound inflation on that benefit.

Both Bob and Tom have just had a stroke. They each need an assisted living facility costing $5500/month or $66,000/year – increasing at 5% annually.

Bob will pay out of pocket, a $1,000,000 pocket growing at 3%. Year one he takes out $66,000 leaving $934,000, but income taxes are due so he withdraws $81,500 to receive $66,000 and leaving $918,500 to grow back at 3% to $946,055 at year end.

...Tom, remember Tom? Tom bought long-term care insurance for he and his wife back when they were only 60 years old. It cost them...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

What a Bad Diagnosis Means...

August 30, 2017

...for Your Financial Future

For this week's guest, life changed when his wife was diagnosed with multiple sclerosis.

During his journey to make sure their financial affairs were in order as his wife fought her illness, he found a calling in life to help others who struggle with a neurological condition.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Estate Planning Attorney Martin Shenkman, who passionately shares some helpful tips for financial and estate planning, so health can be a #1 priority.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com

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

How Much Will You Need to Set Aside?

August 24, 2017

This week, Romeo Raabe, "The Long Term Care Guy," shares some information to help us prepare for future Long Term Care needs:

Most people have no idea what LTC costs. This calculator, and the average costs I’ve listed (not from national surveys, but from seeing actual bills from Wisconsin providers) will let you calculate how much money you need to set aside now, not over time, to fund your care in later life.

These are dollars you cannot use for vacations, cruises, vacation home, helping out children or grandchildren, etc. They must be set aside to grow only to be used for LTC (or passed at death if you are in the 30% who never need such care).

Now, just for fun, let me give you a comparison of using insurance to fund LTC...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

The Longest Vacation of Your Life

August 24, 2017

How much time and effort did you spend on planning your last big vacation – days, weeks, months?

What about your 30+ year vacation (retirement)?  How much time have you spent planning that?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Professional Eszylfie Taylor, who shares some great tips on how to pinpoint your retirement goals, and what and who you might need to get there.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

As America Ages...

August 17, 2017

Long-Term Care Costs Could Overwhelm Most Families

The number of Americans age 65 and older is on track to double — from 46 million now to over 98 million in 2060, when today’s 20-somethings will be turning 65. At that time the 65-plus age group’s share of the population will have jumped to 24-percent from 15-percent today. One in four of us will be in the older group, at high risk of needing long-term care.

The concerning statistics are from “Aging in the United States,” a study published by the Population Reference Bureau (PRB).

The proliferation of older Americans places a big burden right now on all breadwinners in their prime productive years (20 through 65). According to the PRB, by 2030 there will be only 2.8 working-age adults for every person 65 and older, down from 5.0 in 2000.

Because of this, today’s working-age citizens, now building our economy and their own economic futures, will be hit by...

To Read the Entire Article, Please Click Here

 

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

The Paycheck That Keeps On Paying

August 15, 2017

There are a lot of “what if’s” in retirement…

What if the market crashes?

What if I outlive my money?

What if I need long-term care?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Best-Selling Financial Author Tom Hegna, who reveals a unique but commonly misunderstood retirement tool that may have answers to the “WHAT-IFs".

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Who Will Pay For Your Funeral?

August 10, 2017

When Apple co-founder Steve Jobs passed away, he left behind a huge legacy – and a huge financial fortune too. Since Jobs was one of the richest men in America, his family undoubtedly had no problem paying for his funeral and putting Jobs to rest.

Unfortunately, that’s not the case with many other Americans. It’s a sad reality that many families and individuals have to deal with, but the truth is that when many people pass away, their family members or close friends struggle to afford the funeral.

Knowing what to do when you can’t afford to bury a relative can help to relieve some of the stress and heartache of this difficult time.

According to the National Funeral Directors Association, the national average cost of a funeral with a vault was $7,775 in 2010. The cost of a burial without the casket was about $4,265 that same year. For many grieving families, paying thousands of dollars to bury a relative just isn’t economically feasible.

Review low-cost burial options

Cremating someone is usually less expensive than burying the individual in a casket or vault. If your state doesn’t require embalming the body, consider a “green burial” where you don’t have to pay for a vault, headstone or expensive caskets. You can also shop around to...

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No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

3 Ways to Give...

August 8, 2017

TIME, TALENT, and TREASURE

Are you interested in giving to charity, but skeptical of how your donations are being used?

"Give Kids The World" is one of the most efficient and amazing charities around. This is a non-profit resort in Central Florida that partners with organizations such as the Make a Wish Foundation to offer children with life-threatening illnesses and their families a weeklong, cost-free vacation.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Mark Reed, Development Director of "Give Kids The World" Village, who explains how you can help make a child’s wish come true!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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...

To Continue Reading the ArticleClick 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 csiminski@equitydesigngroup.com.

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!

Long Term Care ~ Will You Need It, or Not?

August 3, 2017

Considering the Risk

True or False: Long-Term Care Insurance is something that only older people should consider.

The answer is unequivocally False. “Over 50% of people receiving care today are under the age 65.”

A frequent misperception is that long-term care insurance is only for the elderly or infirm. In reality, 50% of people receiving care today are under age 65.

It's not hard to imagine why such is the case:

Automobile and Recreational Accidents (skiing, horseback riding etc.)

Illnesses such as multiple sclerosis, stroke or heart attack.

And, We all know of or can think of younger people who have had accidents which caused paralysis or someone who...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

10 Dangerous Misconceptions

August 3, 2017

What do you *really know* about Wills and Trusts?

Forget what you’ve seen on TV dramas! Wills and trusts are very different, and have varying timelines and consequences for you and your loved ones; both before and after your passing.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Estate Planning Professional Jim Silbernagel, who clears up some common yet potentially dangerous misconceptions about wills and trusts so you can get the conversation started with your own family and financial professional.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Investor or Speculator?

July 26, 2017

Legendary investor and teacher Benjamin Graham — considered the “father of value investing” — once said, “The individual investor should act consistently as an investor and not as a speculator.”

This simple quotation captures a fundamental concept that could help you establish and maintain a sound financial strategy.

A dictionary of investment terms offers these definitions: “Speculators are typically sophisticated, risk-taking investors with expertise in the market(s) in which they are trading...Speculators take large risks, especially with respect to anticipating future price movements, in the hopes of making large quick gains.”

The danger of this approach for individual investors should be obvious...

Click Here to Read the Entire Article

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 csiminski@equitydesigngroup.com . 

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

Strategies to Finance Affordable LTC

July 26, 2017

You may be surprised to learn that most people need less insurance than they suspect. Having a clear understanding of how to investigate Long Term Care Insurance will help you navigate confusing jargon and "apples to coconuts" comparisons. There are strategies to finance affordable LTC.

1. Add some funds out of your own pocket.

Most people need less LTC Insurance coverage than they think. Why? Consider this. When a person needs LTC services their lifestyle changes dramatically. There may be no need for a second car if one person is no longer driving. You will probably not need the motorcycle, the RV, snowmobiles or the boat. If travel is difficult, there may be no more Branson or Vegas trips, cruises, weekend getaways. Even dining out is more limited. The money used for these activities can be redirected toward the costs of LTC.

Adding some funds out of your own pocket to help pay for care reduces the amount of LTC insurance you need. Can the yield from your nest egg be used to help pay for...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Planning for the Unexpected

July 26, 2017

You may be healthy today, but what about tomorrow?

When Mark’s mother was 84 she seemed perfectly healthy, but that all changed in the blink of an eye.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Professional Mark Wutt, who shares the obstacles he faced when handling his mother’s long-term care arrangements, what he wishes he had done differently, and how you can plan for the unexpected.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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...

To Continue Reading the ArticleClick 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 csiminski@equitydesigngroup.com.

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

Who Will Accept You When You Need Care?

July 20, 2017

This week, Romeo Raabe, "The Long Term Care Guy," shares with us what may be sobering news for many...

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Westchester Plaza, the largest assisted living facility in Texas that will accept Medicaid residents is closing their doors. The problem is that Medicaid pays less than the cost to care for you. If too many of the residents end up on Medicaid, they cannot afford to keep the doors open.

Many people here in Wisconsin have told me that they are not concerned about Long-Term Care because Medicaid will take care of them. Others proudly say they gave away the family farm, home, assets so they can go on Medicaid.

If successfully done, you have forced yourself into a broken system that is failing.

Many assisted living facilities will not accept residents unless they can prove finances sufficient to pay for 2 or 3 years. Others will not accept Medicaid at all and require you to sign a statement that you will leave if and when you run out of the ability to pay for your care.

At that point you are in the same boat as those who gave everything away years ago so the government can take care of them. Oh, Medicaid will pay, but if it’s not enough, you will have to search for a place that will take you.

Will it be the nicest place in town, with a waiting list of people who can pay to get it? Not likely. It will probably be the other end of the spectrum. Now you are stuck...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

52 Reasons You Have Less Money Than You Could

July 19, 2017

What difference might it make to you, if you had all of the money you actually could have?

Did you know that there are up to 52 ways you can be taxed?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Standout Rao Garuda, who came to the United States with just $7 in his pocket and a drive to educate himself and others.  What he learned about financial planning and tax law will astonish you!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Bringing up Your Bundle of Joy!

July 13, 2017

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 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 csiminski@equitydesigngroup.com.

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

Why Are People Buying LTC Insurance

July 13, 2017

This week, Romeo Raabe, "The Long Term Care Guy," shares with us some compelling reasons for investing in Long Term Care Insurance:

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It used to be just a way to prevent spending your entire life’s savings on Long-Term Care costs. LTC insurance still does that, using just the interest on a bit of your savings to pay the premium versus spending the entire account on care.

There is a much more compelling reason today. Medicaid, a welfare program that will pay for care once you are completely impoverished, pays less than the cost to provide your care. Providers, both home care and facility care cannot afford to lose money on every client. Thus many now require you to provide documentation of your ability to pay for the care costs for 2-3 years before becoming their client.

Perhaps a county run home, or a non-profit will allow you to enter once Medicaid is your payment source. Tom Bodette says he will leave the light on for you but do you really want to live out your last years of life like that?

If you have the money, or the insurance to pay for your care, you will be welcomed anywhere. If for any reason you are not happy with the care you are receiving, you can change providers easily. In Green Bay, Wisconsin, where I live, all the providers know...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Reflect. Regroup. Relaunch.

July 12, 2017

“Excuses don’t stop you; Obstacles don’t stop you; Stopping stops you.”

"My legs became paralyzed, but my life did not, and neither did my passion nor my zeal to make a difference in life, and be successful."

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us David Cooks, a motivational speaker, who talks about leadership, teamwork and overcoming obstacles you may face.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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...

To Read the Entire ArticleClick 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 csiminski@equitydesigngroup.com . 

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

What To Do When You Already Need Care

July 6, 2017

If you or a loved one needs Long Term Care you are probably worried about how long you can afford the monthly cost. Long Term care costs can run from $3,000 a month to over $10,000 a month in Wisconsin. According to the US Department of Health and Human services, of the 70% of Americans who are projected to need Long Term Care, half will be broke within 6 months.

There are a number of strategies that might be able to help. There are Veterans Benefits for this that most veterans are not aware of, and if they are, may have been told (incorrectly) that they don’t qualify. Romeo Raabe, "The Long Term Care Guy," works with several attorneys who specialize in this area. Contact him to see if you qualify for these benefits.

There are also strategies that can convert a sum of money into an income for the rest of your life.

Traditionally, this was based solely on your chronological age. If you already need care however, you may have a significantly shorter life expectancy than the “average” person of your gender and chronological age. There are strategies that...

Please Click Here To Read & Learn More

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Man on a Mission: Innovation and Insurance

July 5, 2017

The Insurance Industry is constantly changing.

So what does that mean for our Health Insurance and other coverages?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Ted Nickel, the Insurance Commissioner for WI, who set out on a mission to better understand and better serve the diverse insurance marketplace by personally visiting hundreds of companies and advocating for consumers like you.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Annie’s Mailbox on Families Caring for Parents

June 29, 2017

This Week, Romeo Raabe, "The Long Term Care Guy," shares with us about Families as Caregivers.

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Dear Annie: I am 63, and I help daily with my 94-year-old mother, who lives by herself. I run errands, and I keep her yard nice. I have a brother and sister who live out of state. They come back to visit from time to time. When they do visit, they expect me to entertain them. I feel that because they are staying with her, it is my time to take a break. They don’t seem to realize the pressures I go through every day, when I wonder whether she will answer the door or I will find her on the floor. Am I being unreasonable to be able to “escape” mentally and physically for a couple of days whenever it is convenient for them to “escape” their out-of-state lives and visit?

–Needing a break in Pensacola

Dear Needing a Break: It is absolutely reasonable – and smart – that you want some time alone and away from the stresses of caretaking. To properly take care of anyone, you first need to take care of yourself. Look into hiring some professional help. Many insurances, including Medicare and Medicaid, include some form of hospice coverage. As for your siblings, how they want to treat your mother is their choice.

Don’t let this become your family legacy, children squabbling over who needs to be caring for mom or dad. Your children may need to work for income at the time you need someone’s help with day to day activities.

That is why Long-Term Care insurance is so necessary, and must be purchased while you are healthy enough to get it. Why be a burden on your family when you can afford to hire the in-home or facility care you want and need when your health changes? Long-Term Care insurance is not scary or expensive...

To Read the Entire Article, Please Click Here

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No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Aging and Denial: Where will you end up?

June 28, 2017

When asked “Where would you like to spend the last years of your life?” most people will say anything but a nursing home.

But without a plan, what will happen when you need round-the-clock care – and furthermore, how will your care be funded?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Attorney and Senior Advocate Carolyn Rosenblatt, who explains what happens when you have a good plan, or no plan, in place.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Why Are Americans Working Longer?

June 22, 2017

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...

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 csiminski@equitydesigngroup.com . 

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

Alzheimer’s Progression: Is It Possible to Predict?

June 22, 2017

Romeo Raabe, "The Long Term Care Guy," shares with us an article by Marti Lythgoe, DTN Travel Nurse Editor/Writer:

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Experts estimate that specialized physicians now have the tools to diagnose Alzheimer’s disease with more than 90 percent accuracy. That fact sent me in search of data on symptoms, and when and in what order they are likely to occur after diagnosis.

About 15 months ago, my husband was diagnosed with Alzheimer’s, and I continue to struggle with 1) what about his behavior is symptomatic of the disease, 2) if what I observe will be consistent behavior (Can I count on what he can and cannot do all the time), and 3) what might be just normal aging behavior for someone his age (78).

The short answer: Well….it appears that the short answer to all 3 of my dilemmas is “You can’t be sure.” Because Alzheimer’s affects people in different ways, each person will experience symptoms – or progress through Alzheimer’s stages – differently. Even the definition of “stages” seems a little vague.

Some sources listed 3 stages of progression through the disease, while others came up with 7. And even then the reader is warned that symptoms might overlap or even not occur in...

To Read the Entire Article, Please Click Here

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No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Don’t Worry, Retire Happy!

June 21, 2017

Are you worried about running out of money in retirement?

What tools and strategies are available to help protect your retirement income despite all the risks?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Tom Hegna, best-selling Author of “Paychecks and Playchecks” and “Don’t Worry, Retire Happy!”, who shares some great tips we can discuss with our own financial professionals.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Update: Notre Dame of De Pere Places 3rd in "Give Back" Video Contest

June 15, 2017

Joe Giganti, Sr., of Catholic Financial Life, provided us with an update to a news item we featured on May 24th:

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Congratulations to Notre Dame School of De Pere for placing 3rd in the Give Back Video Contest!

The Give Back theme was inspiring, and the other schools all did great things to help their community and show how they are like Jesus! Notre Dame of De Pere is proud to be among them and to showcase their "Christians in Action" theme.

Notre Dame School wishes to express thanks to all those who voted -- and those who recruited others to vote as well.  Every vote for the school helped them to achieve their spot in the top 3, and to bring home $2500 for their school!

The Catholic Financial Life North Eastern Wisconsin Agency is proud to have helped get the word out locally about Notre Dame School of De Pere!

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For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Frequently Asked Questions

June 15, 2017

Romeo Raabe, "The Long Term Care Guy," gets many interesting questions about Long Term Care Insurance.  We'd like to share some of those with you today:

What does Long-Term Care insurance cost?

Less than you think, because you probably need considerably less of it than you might think. When care is needed, your lifestyle will change – considerably. There may be less vehicles, toys, travel, dining out, etc. Thus some of your income may be diverted towards the costs of that care. Even if you do not want to spend savings, you might use the interest – yield – to also help pay the bills. Only the shortfall needs to come from Long-Term Care insurance. This we may need to have a discussion of income and assets to determine who much, or how little of it, is appropriate.

What if Long-Term Care insurance is not affordable for me?

Then we can look at other alternatives to protect some of your funds from the Medicaid spend-down. On the other hand, if Medicaid becomes necessary, you may need to spend down all savings, real estate, vehicles, etc. to less than $2000 to qualify for Medicaid. Perhaps a reverse mortgage, using equity from the house, can pay for the insurance giving you choices of care instead of losing it all to Medicaid’s spend-down requirements.

What if I was told I cannot get Long-Term Care insurance?

I hear that often from people who came to me and got Long-Term Care insurance. Most insurance agents specialize in other areas. I have done nothing but the financing of Long-Term Care for over 24 years. I have access to more products and strategies than most agents who do not specialize in Long-Term Care. Thus I may be able to find coverage for you when others cannot, and probably at a lower cost than...

To Continue Reading Romeo's Frequently Asked Questions, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Unmasking the Sequence of Returns Risk

June 14, 2017

How certain are you of your retirement funds relative to various risk factors?

How is it possible that people with the same portfolio as you, could end up with more  money, even if your investment returns are better?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Jason Smith, CEO of the Clarity 2 Prosperity Mastermind Group, who explains the Sequence of Returns Risk – a multi-faceted risk to your retirement funds that you may never have even heard of.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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...

To Read the Entire Article, 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 csiminski@equitydesigngroup.com . 

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

Membership Benefit: Affordable Family Fun

June 8, 2017

Are you looking for affordable fun for your family this Summer? Joe Giganti, of Catholic Financial Life, tipped us off about some great opportunities -- made all the better by Catholic Financial Life's Member Benefits.

"There are so many great family activities and events right here in our own area, and not far away in the Milwaukee area, that it would be a real shame to miss out on them. Sometimes, price can become a challenge when you have a family -- ask me, I know!  But with your Catholic Finanical Life Member Benefits, you'll have the ability to save money at some great Summer Fun locations."

Joe recommends that you check out these Summer 2017 events, and then give him a call at 920.569.4606.  RSVPs are required by June 23rd, and Joe can help you to be sure your family gets in on the fun.

To Learn about Becoming a Member - And For Answers to Your Financial & Insurance Questions, Contact Catholic Financial Life today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Marriage, Money, and Managing Life

June 7, 2017

Are you sacrificing your love life for your work life or vice versa?

Would you like some great real-life tips on marriage, money, & managing life?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Business Coach Kelly Clements, who specializes in helping busy business people achieve balance so that they and their spouses can live a fulfilling life in and out of the office.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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...

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 csiminski@equitydesigngroup.com . 

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

Alzheimer’s Deaths Increased By Over 50%

June 1, 2017

Reuters News Service reports that U.S. deaths from Alzheimer’s disease rose by more than 50 percent from 1999 to 2014, and rates are expected to continue to rise, reflecting the nation’s aging population and increasing life expectancy, American researchers said on Thursday (May 25th).

Alzheimer’s is the sixth-leading cause of death in the United States, accounting for 3.6 percent of all deaths in 2014, the report said.

Researchers have long predicted increased cases of Alzheimer’s as more of the nation’s baby boom generation passes the age of 65, putting them at higher risk for the age-related disease. The number of U.S. residents aged 65 and older living with Alzheimer’s is expected to nearly triple to 13.8 million by 2050.

There is no cure for Alzheimer’s, a fatal brain disease that slowly robs its victims of the ability to think and care for themselves.

The sharp increase in Alzheimer’s deaths coupled with the rising number of people with Alzheimer’s dying at home have likely added to the burden on family members and others struggling to care for their stricken family members, they said.

The report suggests these individuals would benefit from services such as respite care and...

To Read the Entire Article, Please Click Here

 

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

The Value of Life

June 1, 2017

Life is precious - and fragile.

Anyone with experience among grieving families gains a deep understanding of this truth.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us special guest Ken Feinberg, who explains how valuable life really is.

As Special Master of the 9/11 Compensation Fund, he had the honorable and sobering task of calculating the dollar amount given to the families of those who had lost their lives that day.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Mom and Dad are aging – what now?

May 25, 2017

Have you ever had to drop everything to take care of a family member?

If you have, then you know that it’s not only time you’re giving – it costs physical, emotional, and financial resources, too.

So how can you protect yourself and your aging parents?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Senior Care Counselor Annalee Kruger, who shares amazing stories and helpful tips on why and how it’s important to gather the family and get a plan in place!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Notre Dame School of De Pere is Finalist in "Give Back" Contest - Vote Now!

May 24, 2017

Catholic Financial Life is sponsoring their "Give Back" Video Contest.

Notre Dame of De Pere's Give Back video is the only one from the Northeast Wisconsin area to make it to the Top 10 finalists!

Joe Giganti, of Catholic Financial Life, points out that with Your support, Notre Dame can bring the Victory home to the Green Bay area:

Please take a moment to visit Notre Dame of De Pere School's Voting Page, and vote for their Give Back video, which was the only one from the Northeast Wisconsin area to make it to the Top 10 finalists! And, please share the great news with your friends, and give them a chance to help push Notre Dame over the finish line!

Once again, to view Notre Dame School of De Pere's Give Back Video - and to vote - Please Click Here.

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

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 csiminski@equitydesigngroup.com . 

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

1.4 million U.S. Children Are Caregivers For Parents

May 18, 2017

This week, Romeo Raabe, "The Long Term Care Guy," shares with us some information that may surprise many of our readers:

According to the Bill and Melinda Gates Foundation, 22% of high school dropouts cite caregiving as the reason for leaving school.

Melinda Kavanaugh is one of only a few scholars around the country studying the physical and psychological well-being of these young people who are left out of other caregiver studies. Her work focuses on how to talk to children and older youths about living with ALS (Lou Gehrig’s disease), based on her clinical social work practice and research with families, children, and youths affected by neurological diseases.

“Some kids are primary caregivers – they get up in the morning, get their parents set up, and go to school. Then they come home after school to continue. The other parent may travel for work or work long hours. Some kids are in single parent households. They have to keep their fingers crossed nothing happens when they’re in school.”

60% of kids who provide care acknowledge it affects school performance and attendance. It also prevents...

To Read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Millennial Misconceptions

May 16, 2017

Are you a saver or a spender?

Are you saving for retirement?  More importantly, who taught you financial responsibility?  What do you wish you had known sooner?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us 30-year-old Real Wealth® team member Jade Paczelt, who describes what she thought of financial professionals before she joined the team, and how and why those misconceptions were changed.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Catholic Financial Life Receives 2017 Top Workplaces Award

May 11, 2017

Catholic Financial Life is honored to announce it has been named a 2017 Top Workplace by the Milwaukee Journal Sentinel. This year's recognition marks the fourth consecutive year Catholic Financial Life has received this designation.

“At Catholic Financial Life, we are different by design. It is our associates and advisors who make us successful,” said President & CEO, Bill O’Toole.

Top Workplaces are organizations evaluated by its employee’s alignment on job satisfaction, pay & benefits, and work/life balance. The organization improved in nearly all of these areas since last year, and even the “lowest” scores are at the highest end of the spectrum!

Catholic Financial Life strives each year to rank high in all survey categories, especially when it comes to the “involved” segment. “It's exciting to see the many ways our organization gives back to associates, members and the community. Catholic Financial Life provides volunteer opportunities throughout the year and it feels so good to take part and see the difference we can make,” said a Catholic Financial Life employee.

To Learn more about Careers at Catholic Financial Life, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Congratulations to Heather Lindsley!

May 9, 2017

Heather Lindsley, of Woodmen Financial Resources, was recently elected President of NAIFA-Wisconsin (National Association of Insurance & Financial Advisors - Wisconsin).

We asked Heather a few questions, and we're happy to share her responses with you.

What are your priorities in your new role?

With the transition to 1 state-wide local, I will oversee 4 committees to make sure that we continue to provide value to the members across the state. We will hold advocacy events, continuing education, and social engagements.

What are some of the challenges facing your constituents?

Currently there are 2 hot topics – Obamacare and DOL regulation. Both of these were put into place outside of the normal method of creating a bill and passing it. All we could do was educate as to the unintended consequences brought about by the regulations. We are headed back to DC in May to again discuss this issues. We will be over 600 members in DC, and every member of government will see a NAIFA member -- and we will present a unified message with real life stories. It is very impactful.

How do the Green Bay News Network readers benefit from the services NAIFA and / or your members provide?

Without NAIFA, the death benefit proceeds of life insurance would be taxable. The relationships built between our members and the legislators is key to making sure when there is any kind of situation, the average person is represented – NAIFA represents everyone.

Why did you agree to take this position?

There are times when you know it is right to give back to your industry. NAIFA, just like the financial services industry, is continually getting older. We need to start getting younger professionals involved. I may not be the youngest member of NAIFA, but if we want to start attracting younger people, those of us who are in the middle have to do more to pave the way.

What else is new and exciting with you, Heather?

Our firm is growing and we have added a second administrative person. This is going to enable us to have more client education events and be in front of more people on a weekly basis. People do not just wake up one day and say "today is the day I'm going to get my financial affairs in order," it is an education process, and when they feel comfortable with a concept they are more likely to embrace it.

The Green Bay News Network thanks Heather for taking the time to share her responses with our members and readers!

Also, In this week's episode of Real Wealth® Weekly, Heather brings us Rosemarie Rossetti, who explains how her bills were paid when she had no money coming in.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Romeo Raabe Helping Solve Problems Over the Telephone

May 4, 2017

This week, Romeo Raabe, "The Long Term Care Guy," shares with us about a particularly satisfying day of helping folks who had questions.

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It’s been another fun day helping folks from all over solving problems with Long Term Care. The first call came in early this morning.

The man was referred to me by an attorney. His father is in an assisted living facility, and has been spending down his life’s savings. With very little left, the facility suggested he find a way to prepay his father’s final funeral expenses.

The attorney he first spoke with referred him here, to TheLongTermCareGuy. He had questions on disposing of an old vehicle his father owned (which would cause a problem in qualifying for Medicaid), and in how Medicare and his father’s supplement would work.

Once all his questions were answered and he understood the process of getting his father on Medicaid, we determined how much money was left to prepay for funeral expenses in a Medicaid allowed irrevocable burial trust. I was able to fill out the paperwork for this and email it to him for signatures and a check. Problems solved!

The next call was from someone who had recovered from a significant illness and had been declined for Long Term Care insurance.

It had been suggested they contact us to see if there was any possibility of coverage. After putting them on hold and calling numerous underwriters, I found...

To Read the Rest of the Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

What if you couldn’t go to work tomorrow?

May 3, 2017

You probably have auto insurance and health insurance, right?

Did you know that it’s possible to insure your paycheck as well?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Corey Anderson, “The Disability Insurance Geek,” who explains how this commonly misunderstood coverage actually works, and how you can protect your most valuable asset – your income.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Meet Catholic Financial Life Advisor, Bob Seering

April 27, 2017

Catholic Financial Life, a valued member of the Green Bay News Network, is proud to introduce Bob Seering, one of their skilled Advisors.

Bob joined Catholic Financial Life 3 months ago because of his interest in helping Catholic families protect and maintain their financial security.

Bob enjoys meeting and developing relationships with prospective members, and helping them learn how Catholic Financial Life can assist them in meeting their financial needs and future goals.

"My purpose is to provide exceptional service and advice to our members fulfilling the financial security of Catholic families who share the passion of our faith."

When Bob's not busy in his profession, he enjoys Golfing, Cycling, XC skiing (when we get enough snow), Fishing, and spending time with his grandchildren.

To Contact Bob, Please Click Here

Catholic Financial Life is located at 200 S. Washington St. Suite 300 in Green Bay.  You can also visit them on the web at www.catholicfinanciallife.org. Please let them know 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 csiminski@equitydesigngroup.com . 

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

How Do Mutual Funds and Stocks Differ?

April 27, 2017

Whether you’re a first-time stock investor or a seasoned veteran, you should understand what differentiates single stock investments from mutual fund investing.

Picture a collection of stocks, bonds, or other securities that are purchased by a group of investors and then managed by an investment company. That's a mutual fund. When you buy shares in a fund, you're really buying a piece of a large, diverse portfolio.

Conversely, stocks are shares of a single company.

When it comes to managing their investments, some investors prefer leaving the details and skills to someone else. They like having a professional manager oversee the day-to-day decisions that a changing stock market involves and see that as a distinct advantage. A good manager, they might argue, has access to information that would cost them an exorbitant amount, even if they had the time and inclination to do the work themselves.

On the other hand, some investors would never surrender control of...

To Read the Entire Article, Please Click Here

For help with any of your financial questions or concerns, just give Sovereign Financial a call.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Where Investing Meets Philanthropy

April 25, 2017

As Aesop is said to have put it, "No act of kindness, no matter how small, is ever wasted." Each of us, if we listen, is being called to leave the world better than we found it.

Philanthropy dollars aren’t the only way to make a difference though!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Gloria Nelund, Impact Investing Specialist and Co-Founder of TriLinc Global, who explains how developing economies around the world provide both investment and philanthropic opportunities.

Tune in to learn how socially responsible small- and mid-sized businesses in 3rd world countries get support and give back.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Are You Ignoring The Biggest Risk?

April 20, 2017

Romeo Raab, "The Long Term Care Guy," recently wrote an article that is well worth our time in reading:

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How can anyone in their right mind ignore the probability of an expensive and extensive need for care in later life?

I’ll explain how and why this is so often ignored by consumers and financial advisors after some explanations.

No matter how well you have constructed your plans for retirement and the disposition of your estate, an extended need for custodial assistance can blow up all your carefully crafted expectations.

A lifetime of savings and financial planning for retirement hopefully includes a classic estate plan that defines how assets are to be transferred to your heirs and how you want those assets to get there (assuming you still have any assets left at death).

After all this careful thought and consideration, insurance leveraging and financial planning, why would anyone ignore consideration of the fact that 70% of people who reach age 65 will need long-term care?

How can a financial planner governed by fiduciary obligation rules avoid a conversation about chronic illness and the catastrophic costs...

To read the Entire Article, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Managing Credit Card Debt

April 20, 2017

This week, Nick Zerillo, of Sovereign Financial Group, shares with us a resource for getting Credit Card debt under control.  It's very easy to get into credit card debt, and finding our way back out again can be a challenge.  There are some simple steps you can take, however, to properly manage your credit cards and your debt.

To make things easier and more understandable, Nick Zerillo is providing free access to a Credit Card Debt Calculator which will show you the effect of a consistent monthly payment in an amount that you can afford.

To access this free financial tool, Please Click Here

For help with any of your financial questions or concerns, just give Sovereign Financial a call.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Prepare for the Unknown: How Taxes Affect Retirement

April 18, 2017

Unless you have a crystal ball, you just can’t tell what the tax rules, laws, and brackets will be when you retire.

So what will happen to that IRA nest egg that hasn’t been taxed yet?

How much could you lose?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Ed Slott, one of the nation's most renowned CPAs, who explains how taxes can take a toll on your retirement funds, and what you can do about it.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

In or Out of the Nest? Helping Adult Children

April 11, 2017

This week, Nick Zerillo, of Sovereign Financial Group, shares an article with us that touches on the balancing act that many families experience when deciding how best to help their adult children.

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Almost a third of young adults ages 18 to 34 were living with their parents in 2014, up from one out of five in 1960. And for the first time on record, dating back to 1880, the percentage living with a parent was higher than the percentage living with a romantic partner. This may have shifted slightly over the last two years, as the economy has improved, but it’s not only the economy that keeps young people in the nest. College attendance and the average marriage age have increased.

Having your adult child live with you during or after college, while looking for work, or when beginning a new job may be a natural stage in your family’s life. But continued long-term support — in or outside of the family home — can slow a young person’s progress toward accepting adult financial responsibilities and could make it more difficult for you to pursue your own financial goals.

Here are some considerations if you’re in a similar situation:

Cut the strings gradually. If your working son or daughter is living with you, consider charging a low level of rent and/or a small portion of other household expenses. On the other hand, if the young person is paying off student debt or saving for a specific goal, such as a security deposit on an apartment or a down payment on a house or car, you might pay all expenses for a period of time.

Require some cost sharing. A young working adult who is on your mobile phone plan or covered by your medical insurance should pay...

To Read the Entire Article, Please Click Here

For help with any of your financial questions or concerns, just give Sovereign Financial a call.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

10 Common Mistakes When Naming Powers of Attorney

April 11, 2017

You can get just about anything online these days, even legal documents!

But the devil is in the details, so it’s time to dust off those old documents and make sure you haven’t made any of these 10 common mistakes when naming Powers of Attorney.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Jim Silbernagel, the creator and host of Real Wealth®, who tells us what happens if we have the wrong box checked or the wrong terminology, and some great tips to make sure we’re all up to date!

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

How Much Will Long Term Care Cost?

April 6, 2017

As Romeo Raabe, "The Long Term Care Guy" reminds us: 70% of us can expect to need Long Term Care at some point in our lives.

What will it cost?

How can I afford it?

What should I be doing now?

Romeo Raabe is a professional who is totally dedicated to the financing of Long Term Care.  He offers a convenient Long Term Care Financial Calculator that can help you determine your projected costs and needs.

To access this Free Resource, Please Click Here

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Real Estate Markets on the Mend

April 6, 2017

This week, Nick Zerillo, of Sovereign Financial Group, shares with us an article which will be of special interest to homeowners and those who may be thinking of buying or selling real estate in 2017.

With a stable housing market, low-interest rates, and a more positive employment picture, more Americans may be in a position to buy or sell properties in 2017.

Moreover, the U.S. tax code favors real estate ownership, allowing for tax savings that might help families enhance their everyday lives and build wealth over the long term.

Incentives for Homeowners

The ability to write off mortgage interest and other home-related expenses can help subsidize a home purchase. Homeowners must itemize deductions on Schedule A of their federal tax returns instead of claiming the standard deduction.

The deduction for mortgage interest applies on up to $1 million for first mortgages — plus up to $100,000 on home-equity loans — for a primary residence and a second home such as a vacation condo, mobile home, boat, house trailer, or any structure with sleeping, cooking, and toilet facilities (if it is not rented for income).

The property owner can also deduct real estate taxes...

To Read the Entire Article, Please Click Here

For help with any of your financial questions or concerns, just give Sovereign Financial a call.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Good Credit Saves You Money

April 4, 2017

We all have a credit score, but what do the numbers really mean?

How can a few adjustments save you money?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Credit Specialist Chuck Harris, who shares the “do-s and don’ts” of credit, and explains why having a good credit report can save you big-time.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Medicare & Medicaid, What’s The Difference?

March 30, 2017

Do You Understand these two programs?

This week, Romeo Raabe, "The Long Term Care Guy," shares with us an article that will help us learn their important differences.

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I was asked this question at a seminar recently, and thought a good definition of each might be of value. Medicare is health insurance at age 65. To qualify you must have paid income and Social Security taxes for at least 40 quarters (10 years). Medicare pays for doctor and hospital care, fixing us when we are “broken.”

Medicare is not free. Most of us qualify for part A, which covers hospitals and certain other medical costs. There is a monthly premium for part B, which covers doctor bills. This bill is typically deducted from your Social Security check. Most people also purchase a private “supplement” to cover deductibles, or part C, called Medicare Advantage, which is similar but requires copays at point-of-care.

Medicaid is a welfare program. You qualify by being out of money as defined in the program. Most Medicaid dollars go towards long-term care (LTC) costs for elderly who exhausted all their assets due to the high costs of this care.

Medicaid, which is the largest payer of LTC costs in the US, treats single people differently than married couples. A single person who moves to an LTC facility for care in later life does not need...

To Read the Entire Article, Please Click Here

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No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

How Much Should You Save for Retirement?

March 30, 2017

Nick Zerillo, of Sovereign Financial Group, shares with us an article this week that goes over many of the different points to consider when planning for retirement.

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Saving for retirement can be daunting, but as with any long-term project, it may help to have a plan. Yet less than half of current workers have tried to estimate how much savings they will need to live comfortably in retirement. Those who do try to estimate their needs tend to set higher savings goals and are more confident that they can enjoy a comfortable retirement.

Though every situation is different, one common guideline is that you may need to replace 70% to 80% of your pre-retirement income. This typically assumes that you will have paid off your mortgage, will be in a lower tax bracket when you retire, won’t be saving for retirement, and will not have work-related expenses, such as for commuting and business clothing.

If your retirement is 20 or 30 years away, it might be difficult to project your retirement income needs and living expenses, but it may help to start with some rough numbers.

If retirement is nearer, projecting income and expenses should be easier. Here are some tips...

To Read the Entire Article, Please Click Here

For help with any of your financial questions or concerns, just give Sovereign Financial a call.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

The Real Cost of "Saving Money" on Insurance

March 27, 2017

"...You could save...on your insurance."

You see TV commercials all the time that advertise how easy it is to save money on insurance and the convenience of buying online, but at what cost?

What corners are being cut?

And, will you pay more later?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Insurance Professional Gretchen Hefner-Evans, who points out items that are often under-insured, and tells real stories of how costly that can actually be when a buyer is uninformed.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How Does Your Catholic School Make a Difference?

March 23, 2017

Joe Giganti, of Catholic Financial Life, sent us this information on a great opportunity for area Catholic Schools:

After a record year, Catholic Financial Life would like to celebrate by giving back in a new way.

Catholic schools are invited to submit a 2-3 minute video showcasing “How does your school make a difference in the community, and why that is important?”

Catholic Financial Life will announce the top five video submissions, and the public will ultimately choose the top 3 winners who will each receive cash prizes!

To learn more about this contest and how to submit your school’s video, visit: join.catholicfinanciallife.org/giveback

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

 

A Roommate – For Life – Not Of Your Choosing

March 23, 2017

In his article this week, Romeo Raabe, "The Long Term Care Guy" points out another important reason to plan ahead!

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Assisted living facilities are typically very nice places. Many have pools or hot tubs, entertainment, exercise classes, and most now even feature a pub and free drinks (within limits). You have your own “apartment” sometimes with two bedrooms, a kitchenette, bathroom, etc.

Until...

You run out of ability to pay and need to apply for Medicaid. I am seeing assisted living type facilities now moving people on Medicaid into shared rooms. Your new roommate, for life, is hopefully a good fit for you because everything is now shared.

Many other assisted living facilities do not accept Medicaid at all. Before you can enter such a facility you must sign that when you run out of the ability to pay – you will leave.

Facilities can say no to Medicaid residents at the door. They cannot force you to leave later unless you agreed and signed BEFORE YOU ENTERED saying you would leave when out of money.

This is unique to assisted living facilities and does not, generally, apply to...

To Read the Entire Article, Please Click Here

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No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

What's Your "Risk Number?"

March 23, 2017

This week, Nick Zerillo, of Sovereign Financial Group, shares with us a resource designed to help us find out whether or not our portfolio really fits us.

With a brief, online questionnaire, this risk tolerance analyzer will give you your own "Risk Number" that will help you determine if your current portfolio is a good fit. 

To access this Free Resource, Please Click Here 

For help with any of your financial questions or concerns, just give Sovereign Financial a call.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Inheritance Gone Wrong

March 22, 2017

You may be concerned about running out of money in retirement.

But, have you given any thought about what to do with the excess?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Consultant Denise Appleby, who shares shocking stories of tax disasters that occurred when IRA beneficiaries weren’t properly designated, or when beneficiaries collected the funds without proper advice.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Do You Have a spouse in Long Term Care?

March 17, 2017

For many people, having a spouse require Long Term Care (LTC) in a facility is so expensive that it is unsustainable unless you purchased LTC insurance.  Not everyone did or could, so what can you do?

Medicaid is usually the answer as it will pay for LTC once you are completely impoverished.  For a single person, this means spending everything you have down to less than $2000 and cashing in your life insurance.  You are allowed to retain $45/month from whatever income sources you might have and Medicaid makes up the shortfall to pay for the care.

Married people have it somewhat better because the at-home spouse can retain use of a home, a vehicle, some savings and income.  However, estate recovery will return all remaining assets to Medicaid when the at-home spouse dies.  This usually means no inheritance is left for children.

Medicaid does give us one tool that will allow some money to be left for family, whether you plan in advance, plan when entering care, or even once you have already spent down to Medicaid impoverishment.  Let’s start with a single person…..

While life insurance generally must be cashed in if the death benefit is over $1500 (yes, one thousand five hundred dollars), Medicaid allows you to set aside money for funeral if it is in an irrevocable burial trust.  In most states $15,000 can be moved into such a trust which allows your family to...

To Read the Entire Article, Please Click Here 

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo Raabe can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Why You Need a Will...Even If You're Not a Prince

March 16, 2017

This week, Nick Zerillo, of Sovereign Financial Group, shares with us an article regarding a subject about which we may not like to think, yet is one that is necessary: our need for a will.

When Prince passed away last spring, it was discovered that he never put together a legal will for his estate. As you can imagine, because of his fame, his estate was worth millions. Because of this, the state of Minnesota will be deciding how to distribute it.

While you may not have as much at stake as he did, you can still see the benefit of getting your own will prepared.

Having your will ready in the event of your passing will ensure that your assets are distributed according to your wishes.

Regardless of your estate’s value, a will can help ensure that your assets are distributed according to your wishes. It enables you to name an executor for your estate and can be an effective way to designate a guardian for minor children.

If you die without a valid will, the state could decide how your assets will be distributed. Typically, assets go to the surviving spouse and children, but state laws and distribution formulas vary widely.

When the deceased dies intestate and leaves no spouse or children, as was the case with Prince, the situation becomes...

To Read the Entire Article, Please Click Here

If you have any questions, just give Nick a call and he'll be happy to help!

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

 

What Does the Internet Say About You?

March 14, 2017

You probably do some online research or crowdsourcing when searching for a new mechanic, hair stylist, or other kinds of services.

So who is researching YOU?

Today, people such as employers, landlords, college admissions officers, and other important decision makers are learning about you online - in addition to evaluating you in person.

What will they find?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Sam Richter, Sales Intelligence Specialist, who explains why nothing we do online is private, and what we can do to protect our digital reputations.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Universal Life Insurance

March 8, 2017

This week, Nick Zerillo, of Sovereign Financial Group is sharing an article explaining the details Universal Life Insurance.

There are many different types of life insurance out there, and which one is right for you (if any at all) depends on what you are trying to achieve.

What Is Universal Life Insurance?

Universal life insurance was developed in the late 1970s to overcome some of the disadvantages associated with term and whole life insurance. As with other types of life insurance, you pay regular premiums to your insurance company, in exchange for which the insurance company will pay a specific benefit to your beneficiaries upon your death.

As with whole life insurance, a portion of each payment goes to the insurance company to pay for the pure cost of insurance. The remainder is invested in the company’s general investment portfolio, with the potential to build cash value.

Most universal life policies pay a minimum guaranteed rate of return. Any returns above the guaranteed minimum vary with the performance of the insurance company’s portfolio. The policyholder has no control over how these funds are invested; funds are managed by the insurance company’s professional portfolio managers.

However, universal life policies are very flexible. As the policy owner, you can vary the frequency and amount of premium payments and also increase or decrease the amount of the insurance to suit changes in your situation.

For example, if your financial situation improves significantly, you can increase your premiums and build up the cash value...

Click Here to Read the Entire Article

If you have any questions, just give Nick a call and he'll be happy to help!

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

No Necktie Needed

March 6, 2017

Looking for a Financial Advisor?

When you think of a financial advisor do you picture a man?  

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Juli McNeely, Financial Professional and former President of the National Association of Insurance and Financial Advisors.

In her new book,“No Necktie Needed,” she tells the story of how she thrived in a male-dominated industry, and how she’s inspiring her fellow advisors to educate and engage women as more and more females become primary breadwinners and decision-makers. She shares these same details with you in this week's program.

Click here to listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

What is an Annuity?

March 2, 2017

This week, Nick Zerillo, of Sovereign Financial Group, shares with us a video regarding annuity plans.

This short video explains what an annuity is, along with the two main types. While annuities aren't right for every investor, they can be a helpful tool for retirement.

Click Here to Watch This Engaging & Informative Video

If you have any annuity-related concerns or questions, please contact Nick; he will be happy to assist you.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Tuition On Sale

February 28, 2017

College is not only important and expensive, but it is also a business with marketing resources and “deals” to give out at its discretion.

You don't want to pay more than you have to, but how do you know if you’re getting a good offer?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Educational Consultant Coye Howe, who learned the ins and outs so that prospective students have someone on their side, and now he shares his experience with us!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How Well Do You Understand Your 401(k)

February 21, 2017

Many people understand the basic concepts of a 401(k) plan. They are employer-sponsored retirement plans that can be a great tool for employees planning for their financial future.

This week, Nick Zerillo, of Sovereign Financial Group, shares with us an article that explains more details about 401(k) plans, and how to utilize them most effectively.

Managing Your 401(k)

More than 73 million Americans actively participate in employer-sponsored defined contribution plans such as 401(k), 403(b), and 457 plans. 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 money. Many 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 employed by the company for a certain period of time
before they can keep the matching funds. If this applies to you, consider the effect of this policy when
deciding whether to leave your current employer.

Bump up your contributions. Saving at least 10% to 15% of your salary for retirement (including any
matching funds) is a typical guideline, but your personal target could be more or less depending on...

To Read the Entire Article, Please Click Here

 

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Aging In Place – What Is It? What Does It Cost?

February 21, 2017

Everyone wants to age in place. People want to stay in their own home, with perhaps some help coming in occasionally to mow the lawn, clean, do laundry, perhaps some help with shopping. cooking, bathing, dressing – when help is needed with those things.

Of course, we will be healthy, just slowing down a little. Aging in place allows us to keep the pets, stay in our home, be near our neighbors and church, and for many people is the desired way we live our golden years. Nobody wants to go to a nursing home.

Aging in place is very doable for many people. As long as the home is designed with a laundry on the first floor, the doorways are wide enough for a walker or wheelchair, we are able to get into and out of the building without barriers such as stairs or steps, we should be fine. Some changes like properly positioned grab bars in the bathroom for safety can also help.

But what if we need more assistance than the above mentioned adaptive devices? What if we need someone to shop for us, prepare meals, clean the house, do laundry, or even help us with medication management, bathing, and dressing? These are activities called Long Term Care (LTC).

Home care agencies can come into come into our home on a regular basis to help with those things. They can even drive us to the bank and other errands we might feel a bit overwhelmed by. However, these services do charge an average of $90 for a single visit, which typically...

Click Here to Read the Entire Article

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Top 10 Tech Tips to Stay Safe

February 21, 2017

Just one click of a button can make you a victim of cyber-crime.

This being the case, how do you stay safe in a world dominated by computers and technology?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us IT expert Brad Otto, who shares insider secrets on how to avoid cyber-crime so we can protect our devices and digital valuables.

Tune in for some great tips and discounts, too!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Planning for Your Estate

February 16, 2017

Getting a legal will set up can be a daunting task. The planning that needs to be done can be overwhelming, and the legal jargon can be confusing. Nick Zerillo, of Sovereign Financial Group highly recommends that you move forward with the process anyway, but at the very least, a letter of instruction can be a starting point for your family if something should happen. The article below explains what the most important points would be for a letter of instruction.

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A Roadmap for Your Family

If you are among the 44% of Americans who have a legal will, you’ve taken an important step to help your family know your wishes and make appropriate decisions. But there’s another step you might take as well, and it’s easier than drafting a will.

A letter of instruction has no formal legal status, and you can write it yourself in any way you choose. But it could be just as important to help your loved ones settle your estate and move forward with their lives. Think of it as a roadmap for your family.

Here are some issues you may want to address in a letter of instruction...

To Read the Entire Article, Please Click Here

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If you need guidance for other documents that may be necessary, and to make sure you've got your bases covered, please get in touch with Nick. He has developed a kit of important documents necessary to keep your financial house in order.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Nest Eggs Beware!

February 15, 2017

You’ve worked hard, you’ve saved well, and now you have an impressive Nest Egg for retirement!

But do you also have a contingency plan in place if you become ill and need extended care?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Dr. Robert Pokorski, Vice President & Medical Director, Individual Life Insurance at Prudential Financial, who explains how easily your Nest Egg could be drained if you don’t have all your bases covered!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Paying Forward & Giving Back

February 9, 2017

This Week, Nick Zerillo, of Sovereign Financial Group, shares with us an article of a more personal nature, in hopes that it may serve as a word of encouragement to others:

When Nick and Jodi Zerillo decided to include Children’s Hospital of Wisconsin in their wills, they were still in their twenties—and their three daughters were yet to be born. Never would they have predicted that years later they would become beneficiaries of their own goodwill.

In 2006, Nick and Jodi were expecting their third child, Angelina, when a routine ultrasound revealed a birth defect causing her internal organs to grow outside of her abdomen. Stunned, they asked what their physician would do in their situation. “If it were my child,” the doctor responded, “I’d go to Children’s.”

Nick and Jodi first met with specialists at the Fetal Concerns Center, which is dedicated to high-risk pregnancies and newborn care. When Angelina was born, the staff in the Neonatal Intensive Care Unit (NICU) at Children’s provided outstanding care as she recovered from two corrective surgeries.

Nine years later, Children’s would once again play a life-changing role in the Zerillos’ story.

Since 2008, their middle daughter, Sophia, had suffered from seizures. A series of medications and visits to the Mayo Clinic had brought no relief. Then, in 2015, a breakthrough: surgeons at Children’s successfully removed a portion of her brain to stop the seizures.

These firsthand experiences only solidified the Zerillos’ early decision to designate Children’s in their will. Since then, they have found more ways to make a difference, such as volunteering as peer counselors to families at Children’s facing similar challenges.

Today, Nick and Jodi cherish the small moments with their thriving family, from their daughters’ impromptu tea parties to coaching their softball teams. They encourage everyone to share this mindset of gratitude:

“Count your blessings and think about how you can pay it forward. Take a moment to reflect on how you can give back.”

Nick and Jodi’s decision to make Children’s one of the beneficiaries in their will was serendipitous and simple. To Learn about easy ways to plan your own gift to Children's, Click Here.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Changes Are Coming...

February 9, 2017

According to Romeo Rabbe, "The Long Term Care Guy," Yes, changes are coming. The federal government is very interested in moving programs back to states to handle and Medicaid is one of those.

The way this most likely would happen is to “block grant” Medicaid to the states. Give each state a fixed sum of money each year for Medicaid and let each state set their plans and rules themselves.

Will this mean less federal dollars for each state? Yes.  Will this mean less money for the people who need and rely on Medicaid? No.  If states are freed to set rules that make sense, they will do so and direct Medicaid to those whom it was meant for in the first place.

Currently, in Wisconsin, a married spouse of a Medicaid recipient for Long Term Care can keep a house worth up to $828,000. Medicaid will attempt to “recover” from this house after the last death. 

Wisconsin does not have a large number of houses or homes of this value. Often Medicaid is not successful in recovering the money they spent on care after the last death. Since reverse mortgages allow the at-home spouse to live in the house, why not require...

Click Here to Read the Entire Article

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Alternative Investment Options

February 7, 2017

Successful investments can include stocks, bonds, money market funds, and more.

Have you considered exploring investment options outside of the norm?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us  Ryan Parson, National Speaker on Alternative Investing, who explains some of the benefits of investing in Real Estate, and how we can find out if this option is right for us!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

What To Look For in Long Term Care in 2017

February 2, 2017

Romeo Raab, "The Long Term Care Guy," is feeling very upbeat:

"None of this is cast is stone, but some very good things are likely to happen regarding LTC in 2017!"

The new administration is likely to make changes that will affect LTC financing. First of all is the good news that the feds plan several interest rate increases next year. Insurance companies make their money, not off the premiums they collect, but from the billions they must keep on deposit for claims.

For LTCi, this means the end of, or a significant slowdown on, pressure to raise rates. Hey, they’ve been promising 5% compound inflation and only earning 3%, they can’t go on like that.

Many states would like to make changes to how Medicaid (which pays for the majority of LTC) is divied up. Most Medicaid dollars go toward LTC costs. By block granting Medicaid to the states and letting them determine how to best use those dollars, a lot of abuse can be stopped.

Right now, your spouse can have $2,000,000 in an IRA or 401k and it is not a countable asset in determining if you get Medicaid for your LTC. We are giving Medicaid to millionaires...

Click Here to Read the Entire Article

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Sharing "Member Moments"

February 2, 2017

Member Moments is a new program designed to showcase Catholic Financial Life Members and their exceptional community involvement.

Are You a Catholic Financial Life Member? Have you, or another Catholic Financial Life member, gone above and beyond the call of duty to support your community? If so, please share your story! Catholic Financial Life wants to learn about how you give back, why you give back, what motivates you, and what impact your efforts have made.

Any submitted Member Moment may be shared via Catholic Financial Life's Member Magazine, corporate website, and social media platforms.

To Submit Your "Member Moment" online, Click Here

To Learn about Becoming a Member - And For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Finding Lost Money!

February 2, 2017

This Week, Nick Zerillo, of Sovereign Financial Group, presents an article about how to look for lost money. You never know what you might have out there in unclaimed cash!

The idea of finding buried treasure or receiving an inheritance from a long-lost relative is a staple of fantasies and adventure stories.

Though finding treasure is unlikely, discovering “lost” money or other assets from a relative, a business, or a government agency may not be a fantasy after all. The Unclaimed Property Professionals Organization estimates that more than $1 billion is abandoned every year.

Every state has an unclaimed property program that requires companies and financial institutions to turn account assets over to the state if they have lost contact with the rightful owner for more than one year (such as when the account has been inactive). It then becomes the state’s responsibility to locate the owner.

For state programs, unclaimed property might include financial accounts, stocks, uncashed dividend or payroll checks, utility deposits, insurance payments and...

Click Here to Read the Entire Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Big Changes Coming in 2017: The Pros & Cons

February 1, 2017

Are you planning on retiring someday?

The financial services industry is going through a massive overhaul via the Department of Labor! While this may not be front page news for the average citizen, this has huge implications for the way you will be able to seek out and pay for advice that helps you save for retirement.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Dale Brown, CEO of the Financial Services Institute, who helps us weigh the pros and cons of the changes, and fills us in on what to expect.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

The Cost of Caregiving

January 26, 2017

Many adults find themselves taking care of their elder family members, and may take on more of the costs than they should. Whether you are in this situation now, or think that you may be at some point in the future, Nick Zerillo, of Sovereign Financial Group, has some helpful information to share in this week's article:

A 2015 study found that almost 40 million Americans — about one out of six adults — had provided unpaid care to another adult during the previous 12 months.

About 60% of caregivers were women, and the average age was 49. It’s probably not surprising that many caregivers were older, but one out of four were millennials between the ages of 18 and 34. This younger group tended to be split more evenly between men and women.

About 85% of the people being cared for were relatives of the caregiver. Caregiving for a loved one is a noble endeavor, and considering the high cost of professional long-term care, it may be the only
alternative for some families.

In fact, about half of caregivers reported that they had “no choice” in taking on caregiving responsibilities. But “free” caregiving can take a physical, emotional, and financial toll...

Click Here to Read the Entire Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

5 Financial Misconceptions

January 24, 2017

It is often said today that "Information is Power."  Well, that could be true - depending on the source and quality of the information!

In this age of information, it’s nearly impossible to distinguish good from bad advice – especially when it comes to something as complicated and unpredictable as the finance world.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Professional Frank Lojewski, who lists the top 5 financial misconceptions, and gives great tips on how to avoid bad advice so we can focus on making and achieving our goals.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Three Financial Issues to Watch

January 18, 2017

This coming Friday, January 20th, 2017, Donald J. Trump will be sworn in as the 45th president of the United States. While changes are likely, the specifics and scope will take time to unfold. For now, here are three key financial issues to watch.

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. 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 exchange...

Click Here to Read the Entire Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

10 Tax Tips for 2017

January 17, 2017

Yes, indeed, it's Tax Time Again!

Are you dreading tax season or do you work with a CPA?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Neil Narveson, CPA, who shares insider secrets to help create deductions, and explains that a whole team of financial professionals amounts to moving parts in the machine that is your financial plan.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Saving Now vs. Later

January 11, 2017

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

Unfortunately, more than 25% of workers have saved less than $10,000 for retirement. A better approach might be to allocate a certain amount for savings every month and pay yourself as though it were an expense.

Here’s a hypothetical example of the cost of waiting. Two friends, Chris and Leslie, want to start saving for retirement. Chris starts saving $275 a month right away and continues to do so for 10 years, after which he stops but lets his funds continue to accumulate. Leslie waits 10 years before starting to save, then starts saving the same amount on a monthly basis. Both their accounts earn a consistent 8% rate of return. After 20 years, each would have contributed a total of $33,000 for retirement.

However, Leslie, the procrastinator, would have accumulated a total of $50,646, less than half of what Chris, the early starter, would have accumulated...

Click Here to Read the Entire Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

How to Plan for the “What Ifs” of Retirement

January 10, 2017

The “What Ifs” of retirement planning can be intimidating, but it is possible to plan for the unknown.

How long will you stay healthy enough to work?

How expensive will retirement be?

How long will you live?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Dr. Michael Finke, Dean of the American College of Financial Services, who explains that although no one has a crystal ball, a roller coaster future doesn’t have to mean financial disaster!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

When Roles Reverse: Caring For Mom or Dad

January 5, 2017

This week, Romeo Raabe, "The Long Term Care Guy," shares with us on a topic that touches many of our lives.

Andrew sits in my office exhausted and emotionally spent. Until a year ago, his life was going well. In his late 40s, Andrew found his business thriving post-recession. He worked long hours, but it was paying off. He was proud of the home he and his wife Alison had worked hard to buy. His two children were in a good school and doing well. Alison had a successful career. While always juggling, they were holding it together.

Then everything changed. Last year, Andrew’s 76-year-old father Henry started to deteriorate and was diagnosed with Alzheimer’s. Now, Andrew, Alison and Andrew’s mom have to deal with both the emotional devastation of seeing Henry decline and the daily impact his disease has on all their lives.

Many conditions of aging require intensive, hands-on, expensive care. But, like most of us, Andrew never thought about this hardship: it happened to other families, not theirs.

Now that it had hit them, they realized that the government and insurance companies do not pay for the extent of care needed in aging. It was on them. They had no plan for the work and money involved in caring for Henry...

Click Here to Read the Entire Article

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Sent You!

Improving & Maintaining Your Credit Score

January 5, 2017

Nick Zerillo, of Sovereign Financial Group, reminds us that the New Year is a time for new beginnings, re-sets, goals and improvements:

"Now that we are in the new year, there tends to be a strong focus on resolutions and resetting our goals. While we can't actually 'reset' our credit score, we can work toward making improvements to it that will help us in the future. This week's article offers helpful tips on how to increase your score over time."

Do you know your FICO score? Here are some tips on how to improve your credit score and maintain your high score.

Credit scores were a well-kept secret for many years. That has changed as a result of recent initiatives by the Consumer Financial Protection Bureau and Fair Isaac Corporation (FICO), which provides the most commonly used credit scores based on its proprietary software.

The FICO score is a three-digit number ranging from 300 to 850. The score is derived from a formula using five weighted components (see chart). Different versions of this score are available to lenders, and the score you see on your account may not be the same score that another lender would use. But it should be a good guideline. Here are some tips that might be helpful if you want to improve your score or maintain a current high score...

Click Here to Read the Entire Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

"Because I Said I Would"

January 4, 2017

You've heard it said, "My word is my bond." You've probably also noticed that this doesn't always hold up.

How often do people fall short of fulfilling their promises?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Alex Sheen, founder of the nonprofit organization Because I Said I Would, who left a successful career behind and set out to make the world a better place by helping people keep their word. Tune in to find out how it all started and hear just a few examples of the lives forever changed.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Feeling Confident: Steps to Saving More

December 28, 2016

With the New Year set to begin this coming Sunday, Nick Zerillo, of Sovereign Financial Group, shares with us about how to make some financial improvement in regards to our savings.

In 2016, 21% of U.S. workers said they were very confident they would have enough money for a comfortable retirement. This was about the same percentage as in 2015, but both years showed a big increase in confidence from the 13% level in 2013, when many Americans were still struggling to recover from the Great Recession.

When it comes to your own retirement, of course, trends don’t really matter. The question is, do you feel very confident that you will have enough money to enjoy the kind of retirement you envision? Even if you do, it’s smart to save more, and it may not be as difficult as you think...

To Read the Entire Article, Please Click Here

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Finding Happiness in a Negative World

December 27, 2016

What Makes You Happy?

Wouldn’t you think that owning a multi-million dollar business, having a brand new car and losing 10 pounds would make you happy?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Todd Patkin, who had it all and then had a nervous breakdown. Todd shares with us his unique story on finding happiness in today’s negative, stress-filled world. He’s personally been through it all and was still able to bounce back from rock bottom.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

the greatest event in history

December 22, 2016

Nick Zerillo, of Sovereign Financial Group has a message to share with our Readers and Members:

Tis’ the season for lights, wreaths, cookies, presents, family gatherings, music, shopping, and all the hustle and bustle stuff right? Reflect on the reason for the season. Christmas is a time to celebrate the greatest event in the history of mankind.

Suddenly, an angel of the Lord appeared among them, and the radiance of the Lord’s glory surrounded them. They were terrified, but the angel reassured them. “Don’t be afraid! I bring you good news that will bring great joy to ALL people. The Savior-yes, the Messiah, the Lord – has been born today in Bethlehem, the city of David!” Luke 2:9-11.

We have a tendency to get caught up in all the stuff around Christmas, and that's great as long as we don’t forget that Christmas is about celebrating the greatest gift ever offered to all of us…Jesus.

May the Holy Spirit be with each and every one of your families during this festive time of year. The best way to truly celebrate the season is to go out of your way to do or say something that helps or uplifts someone else. If you know someone who is alone on Christmas then invite them to join your family. Or, if someone is hungry, buy them a hot meal, or give them something to keep warm. That inner spirit of loving someone other than yourself is really what Christmas is all about. (Presents aren’t bad either though!)

May all have a very Merry Christmas and a Happy and Healthy New Year. May you take joy in looking back at all the blessings around you this past year, and look forward to a new year filled with even more.

Warm wishes,

Nick

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

A New Look On Loans

December 21, 2016

Whether you’re a farmer or a metropolitan business owner, some people spend their lives in and out of banks getting loans and paying them back.

Did you know that it’s possible to borrow from yourself instead?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Mary Jo Irmen, author of "Farming Without the Bank," who shares with us how she helps people like farmers with huge operating expenses get out of the banking system.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

A Gift of Financial Education

December 15, 2016

We caught up with our friend Joe Giganti, of Catholic Financial Life, just the other day. Among other things, he mentioned a very interesting free resource that's available to anyone with internet access:

"Nearly everyone would like to learn more and know more about various financial topics, whether it's insurance, investments, or what have you. Often, the real hold up is that folks don't know where to go to get a good, basic, financial education.  We've made that task a lot easier at Catholic Financial Life."

Catholic Financial Life provides a Personal Finance Learning Center, featuring interactive articles on financial wellness, including topics on personal finance, insurance and investing basics, as well as retirement and wealth management.

For Free Access to This Resource, Please Click Here!

For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Teaching Children About Finance

December 14, 2016

As adults, we know how important it is to keep our finances in check. We also understand that we need to help our children learn how to be financially responsible.

Even though we know the importance, it is still challenging to figure out how to get the message across effectively.

This week, Nick Zerillo, of Sovereign Financial Group, shares an article with us in which we can learn more about ways to introduce new ideas and provide real-life examples to our children or grandchildren.

Certainly, learning about finance in school is important, but there are limitations. Forty-seven states include personal finance in their standards for K–12 education, and every state includes economics. However, state standards do not necessarily translate into class offerings or individual requirements.

Moreover, a new academic study of state programs suggests that financial education in school may not correlate directly with financial success. On the other hand, students who take more...

Click Here to Finish Reading the Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Do You Have This Egg In Your Financial Basket?

December 13, 2016

Tuition has gone up more than 50% since 1999 and there’s no sign of it slowing down.

Luckily, there are a lot of great tools to help you plan and save so you or your loved ones can afford higher education!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us John Wheeler, a 40+ year veteran in the Insurance Industry, who shares with us one out-of-the-box savings tool we might not have considered!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

A Long Term Thank You Note

December 8, 2016

Romeo Raabe, "The Long Term Care Guy," has just launched his new website, featuring his weekly blog posts, financial calculators, a wealth of information on Long Term Care.

While the website is new, you can continue to find it at the same web address: http://www.thelongtermcareguy.com/

This week, Romeo would like to share with us a Thank You note he recently received:

Many people are apprehensive to go visit an insurance agent. It’s even worse when the topic to be discussed in needing Long Term Care. Heck, nobody wants to talk about it and definitely do not want to be sold more insurance.

Here is a thank you I just received from someone who came in to purchase Long Term Care insurance, and I explained his employer’s option was a better deal for him.

"Good morning Romeo,

My wife and I want to say thank you for visiting with us on very short notice last Wednesday night. You’re analysis of our potential LTC needs / shortfall was both enlightening and easy to understand. Most importantly, you highlighted what option was going to cover our needs for the best value. We did not plan on writing a $54+k check, after your presentation the check was mailed. While we hope to never need to use the insurance, we have peace of mind we have significant coverage available. Had we not met you prior to Nov. 29th, we would have passed on what ended up being a very good option from my employer – potentially a very costly mistake.

While we did not end up buying a policy from you, we have passed your name onto others – in fact, you have an appointment set up with My wife's sister and her husband. Thanks again for your help."

No matter what the situation involving Long Term Care, planning ahead or already in care, Romeo can usually help your position. Often it’s just giving some advice. There is never a charge for consulting with The Long Term Care Guy.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Please let him know that The Green Bay News Network Send You!

Ideal Office Space Ready For You!

December 8, 2016

Nick Zerillo, of Sovereign Financial Group, has office space available with some very attractive amenities.

2 Offices available. One fully furnished office available for $700/mo. 2nd office $500/mo. Great high traffic flow. Space available includes private office furnished with meeting table, assistant to greet your clients, reception area, kitchenette, 2 conference rooms, internet, ALL utilities, and NO taxes! Available Immediately!

The photo accompanying this article provides a view of the larger of the two conference rooms.  Interested? Give Nick a call at 920.964.4363.

Also, this week, Nick would like to share some helpful information on "Cash Management Basics."  Click here to read the article!

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

The Gift That Gives Back

December 6, 2016

It’s the season of giving! There are more than just personal and emotional benefits from charitable giving; there are tax benefits, too.

But how do you know if you’re getting the deductions you expect? And if not, how do you create them?

In this week's episode, Heather Lindsley, of Woodmen Financial Resources, brings us Jim Silbernagel, the Host of Real Wealth® Weekly, who helps us to start the holiday season right by sharing with us how to navigate tax and estate planning tools we may not have even known about.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

A Resource Filled With Resources!

November 30, 2016

Nick Zerillo, of Sovereign Financial Group, is doing something a little differently for us this week:

"I don't have a specific article to share with you today, but instead would like to share information we have on our website, http://www.sovereignfinancial.org/."

When you visit the website, you will find many useful articles, videos, and calculators available. Once you get to their home page, click on the Resources tab at the top.

If you have any questions regarding anything you see there, give Nick a call, and he will be happy to help!

Special Note: If You or someone you know is looking for an Ideal Office location - with amenities - Click here for Photos and Information!

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Do You Self-Sabotage?

November 29, 2016

Are you succeeding on purpose, or do you live each day just hoping to get by?

Can you train yourself to stop self-sabotaging and start living with intention?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Mark Pruss, Mentor and Coach to professional athletes, who believes you can choose to live differently.

Join us as he shares the emotional and physical obstacles he overcame, the science behind his coaching philosophy.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Should You Sell When the Market Drops?

November 16, 2016

This Week, Nick Zerillo, of Sovereign Financial Group, shares with us some important information about predicting market movements.

"During the night of the election, there were many predictions that the market was going to drop considerably on Wednesday after the results were announced."

After all was said and done, it actually turned out to be the opposite result. This example shows how much the market cannot be predicted, and nobody has a crystal ball to tell them how to act ahead of time.

Nick invites you to watch a short and informative video that can help guide you through how to react when the market has taken a down-turn.

Click Here to Watch Video

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Saving & Spending: Secrets of Centenarians

November 14, 2016

Did you know that centenarians are the fastest growing segment of the American population?

The odds of living a long and vivacious life are increasing all the time.

So, how do we make the most out of our years?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Author Steve Franklin, who traveled the country interviewing centenarians, and now he shares their wisdom with us!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Avoiding Probate

November 10, 2016

This week, Nick Zerillo, of Sovereign Financial Group, shares with us some important information about probate and strategies to avoid it.

If you are like many people, you aren't quite sure what will happen with your assets once you aren't around anymore.

How does your family receive what you've left them, and how long will it take for them to get it?

If you haven't gone through the steps of estate planning, there will likely be a long probate process that will take much more time (and money) to get things settled.

The probate process can be lengthy and complex. Fortunately, there are strategies you can use to avoid the probate process altogether...

Click Here to Read the Entire Article.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Elder Financial Abuse

November 8, 2016

Do you know the Truth about Elder Financial Abuse?

Did you know that more than $36 billion is stolen from the elderly every single year?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Carolyn Rosenblatt, RN turned Senior Attorney and Advocate, who explains why it happens, who is doing it, and what you can do prevent it from happening to the ones you love.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

LTC Facilities Declining New Residents ~ Or Closing Wings

November 3, 2016

Romeo Raabe, "The Long Term Care Guy," asked us to share this post from his blog with our readers:

Six Long Term Care Facilities in N. E. Wisconsin are Declining New Residents or Closing Wings. In Green Bay, WI, at least three new Long Term Care facilities have been built every year for the past 10 years. They seem to have little difficulty in filling them.

It seems the problem is not in filling them, but in staffing them. Yes, Door County Wisconsin is a resort area that for decades has struggled to find seasonal workers for the various tourist resorts. But these are full time, year round jobs that are just not fillable.

Most LTC workers earn minimum wage or close to that. The nurses are busy with required paperwork.

What is happening to the minimum wage that nobody will come work for it? This is not a political comment, but rather simply notice of what is happening demographically in America. We didn’t have enough kids. Nobody has had a dozen in many years. We are getting older and have fewer young ones who can do the work to care for us. Minimum wage is difficult to live on and in many parts of the country minimum wage is...

Click Here to Read the Entire Article

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Expressing Your Wishes in Advance

November 3, 2016

We happened to meet up with Nick Zerilllo, of Sovereign Financial Group, the other day at a local grocery store. Nick mentioned that this week's article is especially important, even though it's a difficult topic for many of us.

"This week's article stresses the importance of making sure your family and friends know how to handle your wishes in the event that you can't communicate them later on. It's not always easy to think about, but it's even worse to consider the position your loved ones will be put in if they don't know what to do."

It’s not pleasant to think about the possibility of being unable to make your own medical or financial decisions. That may explain why many people don’t take the time to draw up appropriate documents expressing their wishes.

Regardless of your age or health, it’s better to prepare now — and hope you never need advance directives — than to force your loved ones to make difficult choices without knowing your wishes. Here are some documents to consider. Be sure to consult with an attorney who is familiar with the laws of your state.

Durable power of attorney for health care (also called a health-care proxy). This health directive enables you to appoint a representative who would make medical decisions for you in the event you are unable to make them yourself. You can...

To Continue Reading the Article, Click Here.

 

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Should We Worry About The National Debt?

November 1, 2016

We often hear politicians talk about the federal budget and the national debt.

But, do we citizens really know how bad the national debt is?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us David Walker, bestselling author of “Comeback America!”, who shows us not only how bad the problem is, but how everyday Americans of any background or political affiliation can come together to fix it!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

2016 Trick-Or-Treat ~ When & Where

October 27, 2016

As he has done previously, Joe Giganti, of Catholic Financial Life, has again asked us to pass along the schedule for Trick-or-Treating in some of our local communities:

Abrams  Monday, Oct 31st, 4:30pm-7:30pm

Allouez  Monday, Oct 31st, 4pm-7pm

Ashwaubenon  Monday, Oct 31st, 4pm-7pm

Bellevue  Monday, Oct 31st, 4pm-7pm

Casco  Sunday, Oct 30th, 12pm-2pm

De Pere  Monday, Oct 31st, 4pm-7pm

Denmark  Monday, Oct 31st, 3pm-6pm

Green Bay  Monday, Oct 31st, 4pm-7pm

Howard  Monday, Oct 31st, 4pm-7pm

Little Suamico  Monday, Oct 31st, 4pm-6:30pm

Luxemburg  Sunday, Oct 30th, 3pm-5pm

Pulaski  Sunday, Oct 30th, 3pm-6pm

Seymour  Monday, Oct 31st, 5pm-7pm

Suamico  Monday, Oct 31st, 4-7pm

Joe mentioned that although most area communities are holding Trick-or-Treating on Monday, October 31st, from 4pm to 7pm, there are some variations.  

As a parent himself, Joe advises us to abide by the scheduled hours in our own communities.  The local police departments will be paying special attention during those hours for the safety of your children.  

If your community is not listed above, Joe suggests that you call your local law enforcement agency, and they will be able to provide the necessary information.

In a world filled with uncertainty, Catholic Financial Life has served as the foundation of families’ financial security for nearly 150 years. As the video below describes, we are dedicated to continuing to meet the needs of our Catholic community.

Click Here for the Video

For more information, Contact:

Joseph R. Giganti, Sr.
Advisor, Catholic Financial Life
200 S. Washington St. Suite 300
Green Bay, WI 54301
T 920.569.4606 F 920.432.8997 C 920.370.2200
joe.giganti@catholicfinanciallife.org
www.catholicfinanciallife.org

Disability Insurance ~ How Much Do You Need?

October 27, 2016

This month, Nick Zerillo, of Sovereign Financial Group, has been sharing information about Insurance and the different types that are available.

"Hopefully, you've found this information and these articles helpful. Now that you know more about how Disability Insurance works, and what it provides, you'll naturally want to find out how much you need."

To make it easier to determine how much Disability Insurance you may need, Nick is providing you with Free Access to a Disability Insurance Calculator. 

To access this Free Resource, Click Here

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Living Shouldn't Cost More than Dying

October 25, 2016

Have you or anyone you know delayed going to the hospital because of the cost?

You shouldn’t have to fear financial illness from personal illness, but luckily there’s Critical Illness Insurance!

Never heard of it? ...

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Don Hansen, Critical Illness Insurance Advocate, who explains how it works; so you might focus on your health instead of your wallet.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Types of Health Coverage

October 20, 2016

This Week, Nick Zerillo of Sovereign Financial Group, shares with us an article on the various types of Health Coverage and some of the differences between and among them. 

As Nick tells us:

"There are many reasons to feel blessed, and be thankful for all we have. However, the odds tell us that at some point or another we will all need some kind of medical care in our lifetime. The costs can be considerable, and having the right insurance coverage can make all the difference for our financial health."

Individuals seeking medical coverage on their own can rely on an individual policy.

There are differences in coverage among basic insurance, major medical, and comprehensive medical insurance. Some people aged 65 and older may also be able to take advantage of Medicare.

There are three general classifications of medical insurance plans: fee-for-service (indemnity), managed care (e.g., HMOs and PPOs), and high-deductible health plan (HDHP).

Fee for Service

With a basic fee-for-service (indemnity) insurance plan, health-care providers (such as physicians, nurse practitioners, surgery centers, and hospitals) are paid a fee for each service provided to insured patients.

Indemnity plans normally cover hospitalization, outpatient care, and physician services in or out of the hospital. You select the health-care provider for consultation or treatment. You are then billed for the service and reimbursed by the insurance company, or you can “assign” direct payment to the provider from the insurance company. Indemnity plans typically require the payment of premiums, deductibles, and coinsurance. Limits on certain coverage or exclusions may apply. Lifetime limits on benefits are prohibited as are limits on annual benefits.

Managed Care

Managed-care plans became popular in the 1990s as a way to help rein in rising medical costs. In managed-care plans, insurance companies contract with a...

To Continue Reading the Article, Click Here.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Health Insurance: Get Ready for Open Enrollment

October 17, 2016

Are you prepared for Open Enrollment?

Listening to the news these days, it’s hard not to be concerned and confused about it.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Terry Frett, Health Insurance Consultant, to shed a little light on what’s happening to all the big carriers, what could happen after the presidential election, and why consumers have the ball in their court to demand changes.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Assessing Disability Income Insurance

October 11, 2016

As Nick Zerillo, of Sovereign Financial Group says, "Insurance isn't always the most glamorous topic, but it is important to be informed of the different types of insurances, and how they can help you if you ever need to use them."

This week, Nick shares with us a short article that explains the basics of Disability Insurance and presents a couple options you may want to consider for yourself.

Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

Although most of us are aware of the need for health insurance coverage when determining our risk-management needs, many of us fail to consider the possibility that we could become disabled.

A disability income insurance policy can help replace income lost because of an injury or illness. Few people would have an adequate “war chest” for an extended battle with a loss of income.

Unfortunately, many of us will need disability income protection before we retire. Without the appropriate coverage, a disability could spell financial disaster. Disability at any age can disrupt income while medical expenses mount. Unless you have a battle plan, the effects of even a short-term disability could be...

To Continue Reading the Article, Click Here.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

 

Her Father Passed Without A Plan

October 11, 2016

A Survivor’s Story

Each of us has been through good times and bad times, ups and downs, as we've moved through life.

Have you ever experienced something difficult, and wished you could prevent it from happening to others?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Professional Tiana Ronstadt, who witnessed her widowed mother's struggle to survive emotionally and financially, and vowed to help others prepare for the worst while they hope for the best. 

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Basics of Medicare Coverage

October 4, 2016

This week, Nick Zerillo, of the Sovereign Financial Group, shares with us an article on the basics of Medicare Coverage.

Some of the information includes what it will cover, what costs are involved, and some other useful information.

If you, or someone you know, would like more information, Sovereign Financial Group has a medicare representative in their office who can help guide you through everything you need to know. If you would like to meet with Vern, Nick can refer you over to him so you can set up an appointment.

Medicare is the federal health insurance program for elderly persons. Retirees can purchase Medigap supplementary insurance to help cover some of the gaps in Medicare coverage.

Some people think Medicare will cover long-term care costs, but it provides only limited coverage for ...

To Continue Reading the Article, Click Here

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

4 Financial Faux Pas

October 3, 2016

If you have investments and a smartphone, then you know how easy it is to get caught up with checking the market on a day-to-day basis. But is that a good idea?

What happens when you make emotional and reactive decisions instead of thinking about the long-term plan?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Dave Alison, of the Clarity 2 Prosperity Mastermind Group, who discusses the psychology behind investment strategies, and offers suggestions to help you stay on track.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

College Financial Aid ~ Grant Programs

September 27, 2016

This week, Nick Zerillo, of the Sovereign Financial Group, shares with us some helpful information on Financial Aid for College Students!

When it comes to paying for college, it's critical to understand all the financial options.

Families with college-bound children should explore financial aid grant programs.

Is the financial aid game worth playing?

There’s a tremendous amount of paperwork involved. The rules are obscure and often don’t seem to make sense. And it takes time. But make no mistake, the game is definitely worth playing. Financial aid can be a valuable source of funds to help finance your child’s college education. And you don’t necessarily have to be “poor” to qualify. In some circumstances, families with incomes of $75,000 or more can qualify.

U.S. Government Grants

The federal government provides student aid through a variety of programs. The most prominent of these are Pell Grants and Federal Supplemental Educational Opportunity Grants (FSEOGs).

Pell Grants are administered by the U.S. government. They are awarded on the basis of college costs and a financial aid eligibility index. The eligibility index takes into account factors such as family income and assets, family size, and the number of college students in the family. By law, Pell Grants can provide up to...

To Read the Entire Article, Please Click Here

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Protect Your Family When Life Happens

September 26, 2016

Can you navigate your way through insurance options to make sure your family is protected when “Life Happens?"

Life Insurance is a powerful protection tool, but finding the right kind can be tricky.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Marv Feldman, CEO of the Life Happens Non-profit Organization, to share why they’re so passionate about Life Insurance Awareness Month, and to help you understand your options.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Study: Elderly’s Family Caregivers Need Help Too

September 22, 2016

Nearly 18 million people care for a relative older than 65 who needs help.

Yet, “the need to recognize and support caregivers is among the most significant challenges” facing the nation’s swelling elderly population, their families and society, according to the report from the National Academies of Science, Engineering, and Medicine.

Describing family caregiving as “a critical issue of public policy,” a committee of experts in health care and aging said the next presidential administration in 2017 should direct a national strategy to develop ways to support caregivers.

According to the report, people who help elderly family members with three or more personal tasks a day devote 253 hours a month to caregiving — almost the equivalent of two full-time jobs.

Five years is the median duration that family members care for older adults with high needs, the report said. For some Americans who accept that responsibility, that can mean taking a less demanding job, foregoing promotions or...

Click Here to Read the Entire Article

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

What You Should Know About 529 Plans

September 21, 2016

This week, Nick Zerillo, of the Sovereign Financial Group, shares with us an article about 529 Plans.

The 529 plan is a popular way to save for college expenses. In addition to the prepaid tuition plan, some states offer a 529 savings plan, which is similar to an investment account, but the accumulated funds can be withdrawn tax-free for qualified higher-education expenses.

Most people have heard about the original form of 529, the state-operated prepaid tuition plan, which allows you to purchase units of future tuition at today's rates, with the plan assuming the responsibility of investing the funds to keep pace with inflation.

The newer variety of 529 is the savings plan. It's similar to an investment account, but the funds accumulate tax deferred. Withdrawals from state-sponsored 529 plans are free of federal income tax as long as they are used for qualified college expenses. Many states also exempt withdrawals from...

To Read the Entire Article, Please Click Here

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

The Asset You Didn’t Know You Had

September 19, 2016

When you take inventory of your assets, are you remembering to include all of them?

Did you know that some types of Life Insurance can be so valuable, that they are an asset comparable to real estate?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us John Wheeler, 40-year veteran in the insurance industry & well-known speaker in the financial services industry, who compares Term vs. Whole Life Insurance Policies, to renting vs. buying a home!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

College Funding...How Much?

September 14, 2016

Saving enough for their children’s education is a major financial concern for many parents. With the current cost of a four-year college education reaching six figures in some instances, your child’s college education may cost more than you expect.

The first step to figuring out how to plan for college expenses, is to figure out how much you will need.

Nick Zerillo, of Sovereign Financial Group, makes your task a bit easier, by providing free access to an online College Funding Calculator.

To make use of this helpful tool, Click Here.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

A Risk You Don't Have To Take

September 12, 2016

When Summer died unexpectedly, she left behind a 9 month old son and, thankfully, life insurance for her family.

Sadly, Hannah’s mother wasn’t as prepared.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us real life stories from "Life Happens," that show what a difference Life Insurance, or a lack thereof, can make.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

College Investment Options

September 6, 2016

Now that the 'Back to School' season is in full swing, Nick Zerillo, of Sovereign Financial Group, tell us that his  theme for the month will be "College Savings."

"In the article below, you will learn about different investment options available to prepare for college expenses. It can be a challenge to balance getting a good education, without encuring a large amount of debt along the way."

Hopefully this information is helpful to you, or to someone you may know!

What College Investment Options Do I Have?

As tax laws change, college investment planning becomes increasingly complex. The most beneficial strategies for creating a college fund are quite similar to other investment tactics. Investment products that are tax deferred, tax exempt, or transferable without tax consequences can be especially advantageous.

This could be even more effective if you do your planning early.

One important aspect of an investment is its balance of yield and risk. Determine the amount of risk you can tolerate, given the amount of time you have to recover from any potential losses.

Take the time to familiarize yourself with the financial aid formulas.

This could help you determine whether assets and income should be in your name or your child’s name. Structuring your investments ahead of time can have a significant effect on the net amount of funds available for your child’s education.

There are a number of funding options available for your college investment plan. This list contains a few of the more common ones...

Click Here to Read the Complete Article

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions.

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

9/11 - A Lesson in Life Insurance

September 6, 2016

It’s the anniversary of 9/11 this week, and it’s a solemn reminder of how valuable life is.

While it's difficult to think that the unthinkable could happen to us, or to those we love, many of us know first-hand that the unexpected can, and sometimes does happen.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Insurance Professional David Buckwald, who was the Life Insurance Agent for a company based in the World Trade Center on 9/11, and saw first-hand the difference it can make.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Nick Zerillo Partners with Dave Ramsey

September 1, 2016

Nick Zerillo, of Sovereign Financial Group, is excited to share some news:

"I have partnered up with Dave Ramsey as a SmartVestor Pro! Dave's ideals in regards to financial progress line up with my beliefs, and I feel that by joining up with him, you will see a lot of great benefits! There will be more to follow in the future weeks, so stay tuned!"

To learn more about Nick's new partnership with Dave Ramsey, give a call to Sovereign Financial Group, at the number below.

OFFICE SPACE AVAILABLE --

Nick let us know that he has One Office available; at $300 per month.

Lease includes use of 2 conference rooms, internet, heat and A/C, and a very professional place to conduct business.

Phone lines are extra. If you only need an occasional place to conduct business meetings, there is the option to lease conference room time on a monthly basis. Terms of the conference room lease depend on your needs.

This rental opportunity is ideal for a business that is complimentary to a financial services office such as an attorney, accountant, P&C insurance agent, etc.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

Please let them know that 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 csiminski@equitydesigngroup.com.

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

Back to School Special...

August 30, 2016

How To Fund Your Dreams

With student loan debt passing the one trillion mark, is higher education out of reach?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Mary Morris, Chair of the College Savings Foundation, who reveals some tools and strategies you can implement to make college a dream come true for you or your loved ones.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How About Some Extra Bills!

August 29, 2016

Would an extra bill coming every month of between $3500 and $9000 be a problem in your retirement?

70% of us will need some Long Term Care once we've reached age 65, according to the US Department of Health & Human Services. Those are not good odds to bet against. Just like a car accident; without car insurance, most of us cannot afford the costs of Long Term Care without LTC insurance.

Most people do not need as much of it as they initially assume, due to the changes in lifestyle when someone needs care.

There will be less cars, toys, travel, even less dining out when transportation becomes problematic; meaning the income you now use for fun and travel now, may be able to be redirected to the costs of LTC. Even if you do not want to spend down savings, the interest those savings can generate can help pay for LTC. Only the shortfall might come from LTC insurance.

There are significant price differences between insurance costs among the companies offering this insurance. That is why your best bet is to seek advice from someone not only familiar with the costs in your area, but also has access to many different insurance companies.

The time to investigate is when you are still healthy enough to be considered for coverage. Diabetes, bone density problems, cancer, memory or mobility issues can cause coverage to be unavailable.

Consider investigating with The Long Term Care Guy. They have been helping people with the costs of LTC for 23 years – it's all they do. Romeo Raabe - The Long Term Care Guy - can even be of some help to those already in care now, protecting some assets from the Medicaid spend down. Give them a call, and schedule a time to investigate your situation.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  Be sure to tell him that The Green Bay News Network Sent You!

Using Insurance to Help Manage Life's Risks

August 23, 2016

This week, Nick Zerillo, of the Sovereign Financial Group, shares with us a topic that many people don't really like to talk about -- Insurance.

There are so many variables when it comes to insurance:

What kind do you need?

How much protection is appropriate?

How much will it cost?

To Learn More, Click Here -- Then, contact Sovereign Financial Group for more specific advice for your current life situation. They can help walk you through each option, and figure out what would be most beneficial for you.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group at (920) 964-4363, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Rob Reis will be very happy to answer any of your financial questions. 

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

Retire Strong & Live Long

August 23, 2016

Are You Properly Planning for Your Retirement?

With medical technology getting more and more advanced every day, life expectancy, and therefore retirement, is getting longer and longer.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Gerontologist Kelly Ferrin, who explains why financial professionals consider longevity when retirement planning.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Woodmen Financial Launches New Website

August 18, 2016

Offering a fresh new look, and a wide array of tools and resources, Woodmen Financial Resources has launched their new website.

"We encourage you to explore our site and learn more about what we can do for you. If you have any questions or would like more information about our firm or the services we offer, please call us."

When you visit the new website at WoodmenFinancial.org, please check out the Welcome Video on their home page; it features our very own Heather Lindsley, who is a weekly news contributor to the Green Bay News Network.

To Listen to Heather's Real Wealth® Weekly program for this week, Please Click Here.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Saving for Retirement and/or Paying Off Debts

August 16, 2016

This just in, from Nick Zerillo, of the Sovereign Financial Group:

"I try to provide articles that will help you learn a little more about how to keep your financial balance in check. If you know of anyone else who may benefit from the emails, you can either forward these on to them, or let me know their email address so I can add them on the list.

Speaking of financial balance, the video link below explains more about why you should either pay off debt, or save for retirement (Or do both if you can). Of course, everyone's situation is unique, so if you have any specific questions about what you should do, let me know. I'd be happy to help guide you in the right direction!"

Click Here for Video

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions. 

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

Catching up with Heather Lindsley

August 11, 2016

Back in February, we introduced you to Heather Lindsley, of Woodmen Financial Resources.  As many of you know, Heather is not only a dedicated and busy professional; she is also a committed community volunteer.

We caught up with Heather this week, and learned some interesting details about this very active member of our local community:

Heather presently serves as Secretary/Treasurer of the National Association of Insurance and Financial Advisors-Wisconsin (NAIFA-Wisconsin), and she is also their President-elect. She has won NAIFA's Quality Award every year since 2010, and has been instrumental in helping her local achieve the Bobo Award in 2013 and 2015.

She is also a Million Dollar Round Table (MDRT) Foundation Committee Member - and led the effort to raise $3,500 for Agape House in Lake Geneva.

She serves as the Golden House - "Show of Strength" Fundraiser Committee Chairperson, as well as being a Board Member of the "Bridge Between Retreat Center" in Denmark, Wisconsin.

Additionally, Heather serves as a Guardian for the Old Glory Honor Flights:

The honor flight missions would not be successful without the help of our guardians. Guardians play a vital role by ensuring that every veteran has a safe and memorable experience. Guardians are responsible to physically assist the veterans during their honor flight. All Guardians are responsible for attending a training session and cover the cost of their trip.

We are proud to have Heather Lindsley as a friend and member of the Green Bay News Network!

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Have You Used Mobile Payments?

August 11, 2016

Nick Zerillo, of Sovereign Financial Group, has an interesting article today, for those of us who are part of the ever-growing Smart Phone crowd.

"The article this week is in reference to using smart phones as a payment method when you are shopping. Read on to learn more about the benefits and risks associated with using a mobile device for financial transactions."

In 2015, 52% of U.S. consumers said they were “extremely aware” of the option to use mobile payments, an increase of 9% over 2014.1 Yet only 13% of adults with smartphones had a digital wallet on their phones; and most of them had seldom or never used it.

In a 2015 Gallup Pole, 55% of those surveyed cited Security Concerns as a reason they were unlikely to use a Digital Wallet in next 12 months.

Most digital payment applications follow the same multi-layer security standards as the credit-card industry. Passwords and fingerprint access on mobile phones add another layer of protection compared with credit cards, which can often be used by thieves...

To Continue Reading Article, Click Here.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions. 

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

"Riches to Rags" ~ How Don Learned His Lesson

August 10, 2016

Have you ever heard of enormous wealth being squandered by the 2nd or 3rd generation?

Then, have you ever asked yourself "How in the world did that happen?"

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Don Chamberlin, a self-confessed money squanderer turned Financial Educator, as he shares his personal story of “Riches to Rags,” and how anyone can learn from his experience.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Inflation & Long Term Care

August 4, 2016

Back in April of this year, Romeo Raab, "The Long Term Care Guy," posted an excellent article pertaining to inflation and long term care.  We'd like to share it with you:

I am continuously appalled to find insurance agents offering Long Term Care (LTC) insurance products that contain no 5% automatic, built in inflation on the amount the policy will pay when care is needed. LTC insurance is purchased while still healthy enough to obtain it, and may not be used for 30 or more years.

If I tell you what LTC may cost 30 years from now, you may not believe me, so let’s go back and let history tell us about inflation. 30 years ago you could buy a new Ford Mustang coupe LX for $7189. A first class US postage stamp was 22 cents, and a nursing home cost about $1600 a month. You probably have some idea of what those cost today.

Most LTC workers are minimum wage employees. The nurses and administrators are doing paperwork. Minimum wage is going up by over 100% in several states to $15.00 per hour. What will this do to the costs of LTC...

To Continue Reading This Article, Click Here

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Feeling Powerful?

August 4, 2016

Take it to the Bank!

This week, Nick Zerillo, RICP, of the Sovereign Financial Group, is sending us an article regarding the emotional reasons why people either save money, or do not.

Do you have a hard time saving as much as you should for retirement or other long-term goals?

If so, you’re not alone. On average, Americans save less of their incomes than people in many other developed countries (see chart in the photo accompanying this article). Research in the field of behavioral finance has suggested a number of factors that might influence an individual’s attitude toward saving, such as education, family upbringing, and self-control. These certainly play a part but can be difficult to change, at least in the short term.

According to a 2014 Stanford University study, a more immediate change in the way an individual feels can drive savings.

When a person feels powerful, even if it is just a temporary state, he or she is more likely to save for the future. By contrast, an individual who feels powerless is more likely to spend money in an attempt to compensate, which may explain why many people shop when they are frustrated or unhappy.

The study also found that feeling powerful and saving can become a self-perpetuating cycle, because powerful people typically want to maintain their power.

How Can You Save More?

Few people feel powerful all the time. There are typically ebbs and flows — times when they feel powerful and times when they don’t. The next time you’re feeling good about yourself, you might try
taking steps to save more.

For example, getting a raise might make you feel powerful, and this could be an ideal time to increase your retirement plan contributions. The same is true for the day you pay off a car loan, student loan, or credit card. Since you’ve already been making those payments, you may be able to put the money to work as savings, without a big change in your monthly cash flow.

On the other hand, you might want to monitor your “feel-good” spending. There’s nothing wrong with a treat now and then, but spending on little things can add up over time.

There’s also nothing wrong with making a major purchase for something you really need. But if it’s just a “want” or a way to make yourself feel better, you might ask yourself whether you are powerful enough to save instead.

Saving for retirement is a long journey, and there are many competing priorities along the way. Byconsidering the way you feel when you save — and taking advantage of opportunities to save more —you may be able to develop a stronger, more disciplined approach that could help you fund a comfortable retirement.

The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. Copyright 2015 Emerald Connect, LLC.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions. 

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

 

A Woman's Worth

August 3, 2016

A woman wears many hats:

- Mother

- Wife

- and, in many cases, Head of the House

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Professional Tiana Ronstadt, to share with us about unique financial considerations for women in any stage of their lives, and how they can work towards financial stability for themselves, or for the entire family.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

When is a Brat-Fry More than Just a Brat-Fry?

July 28, 2016

When it's a Catholic Financial Life Brat Fry!

Catholic Financial Life had a very successful brat fry at the Festival Foods De Pere location this past Friday, July 22nd. Proceeds from the brat fry benefited our local St. Vincent de Paul Society.

And, there's more: We spoke with Joe Giganti, an Advisor with Catholic Financial Life, and he filled us in on what he calls "a great moment."

"At one point, a police officer approached our service window to order a brat. There was another gentleman approaching at the same time, and we assumed they were together.  Actually, they were not; they didn't even know each other.  Anyway, when the police officer finished placing his order, the other gentleman steps up, and pays for the officer's lunch; telling him it's his way of thanking him for all he does for our community.

To me, this just emphasized what we're all about at Catholic Financial Life. We're dedicated to building our community, and builing up the relationships that strengthen that community. Everything we do is based on serving the greater good.

This gentleman took the time to put his gratitude into action.  In doing so, he met the officer - whom he had not known before - and in that one great moment, our community grew stronger."

Joe also reported that, according to Festival Foods, De Pere, the Catholic Financial Life Brat Fry was one of the most successful of the Summer.

To Learn More, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

 

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 csiminski@equitydesigngroup.com.

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

What Advantages Does a Biweekly Mortgage Offer?

July 27, 2016

One of the most precious assets that you are likely to possess as you progress through life is your home. Owning their own homes is something that most Americans strive for.

Unfortunately, for the vast majority of people, one of the major drawbacks in owning a home is the long-term mortgage that must be paid off. Mortgages often stretch out 30 years with interest and principal repayments.

Most mortgage repayments are made on a monthly basis. However, arranging to make payments biweekly can have a dramatic effect on the amount of money you have to pay and the time frame before it is all paid off.

Under a biweekly mortgage, instead of making the payments once a month, you make half the payment every two weeks.

If your mortgage is $1,000 per month, under a biweekly system it would be $500 every two weeks.You make 26 payments per year, which is the equivalent of 13 monthly payments rather than 12. The extra payment should be taken directly off the principal, reducing the payment schedule accordingly. 

The effect of biweekly mortgage payments can be dramatic. For example...

To Continue Reading the Article, Click Here

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions. 

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

What’s Your Story?

July 27, 2016

Have you noticed that real, personal communication is becoming rare, even as we become more electronically connected?

Is this simply "the way it goes," or can we do something about it?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Former Houston Oiler Bo Eason, who shares his personal story of how perseverance and determination took him from runt of the litter to NFL standout. 

When his NFL career ended he turned his experiences into an award-winning play, and soon learned how storytelling can build trust and personal connections that people crave in this digital and impersonal world.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Check Your Latte, Before it's too Late!

July 20, 2016

Many of us enjoy coffee, and think nothing of grabbing a cup on the way to work, another at lunch, and maybe yet another on the way home.

Do we ever stop to think about how "little things add up?"

Sovereign Financial Group has a short and engaging video, that helps us to see how easy it can be to save money.

Click Here to Watch "The Latte Habit."

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions. 

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

Time To Travel!

July 19, 2016

Do you like to travel?

Have you ever wondered if group travel is worth it?  Can tour companies truly take the hassle out of travel, giving you the freedom to enjoy the experiences of which you’ve always dreamed?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Scott Lopas, owner of Kettle Moraine Tours, who reveals insider secrets of the group travel industry; including real examples of rates and destinations.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com.

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

Social Security: Maximize & Thrive

July 13, 2016

Do you understand Social Security? Really?

Social Security is widely used but is also one of the least understood retirement tools.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Tim Kiesling, a nationally-recognized Social Security Speaker and Consultant, who explains how the newest changes could affect your retirement.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Finding the Best Deal in Long Term Care

July 7, 2016

Have you looked into Long Term Care Insurance and decided it was too expensive for your budget?

For many financial advisors, Long-Term Care insurance is a once in a while, also have product. Most have one or perhaps two companies to choose from and suggested coverage is not always the most appropriate.

If you are serious about investigating this, call the professionals with 23 years of experience in Long Term Care planning.

We take into consideration how your lifestyle will change when one cannot take care of themselves anymore. It is probable that money spent on toys and fun may be redirected towards the costs of Long Term Care resulting in less insurance being needed to make up the shortfall.

There are also considerable difference in pricing between companies. We check them all to find the best deals for you.

Look us up at TheLongTermCareGuy.com, read our blog at TheLongTermCareGuyBlog.com, or call us at 884-3030. And, if you have any questions about present coverage, let us review it and give you tips on how best to utilize it.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Ultimate Summertime "Win-Win"

July 7, 2016

Catholic Financial Life Brat Fry Benefiting
St. Vincent de Paul – Green Bay

Our network members and readers may recall that the St. Vincent de Paul Society is Catholic Financial Life’s national charity partner. Coming up on Friday, July 22nd, the Northeastern Agency of Catholic Financial Life is proud to host the ultimate summertime win-win: You eat, Catholic Financial serves, and St. Vincent de Paul benefits!

WHERE: Festival Foods – West De Pere

WHEN: Friday, July 22nd, 2016 10:00am – 5:00pm

WHAT: Brat Fry - with Burgers, Brats, Sodas and More!

WHY:  This community event will help raise needed funds for the Green Bay area St. Vincent de Paul locations

EXTRA: Please Check Out Catholic Finacial Life's New Facebook Page!

To Learn More, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Confronting the Broken Higher Education System

July 5, 2016

Is college worth it?

Turns out, it’s not the education that counts; it’s the quality of the education, that makes the difference.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Dr. Michael Lovell, President of Marquette University, who shares the ways in which he confronts a broken higher education system, that isn’t properly preparing students for the real world.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Mortgage Acceleration

June 29, 2016

How Soon Could You Pay Off Your Mortgage?

Paying just a little extra on your mortgage each month can have a dramatic effect on the time it takes you to pay off your mortgage and the amount of interest you pay over the life of the loan.

Nick Zerillo, of Sovereign Financial Group, provides you with free access to a Mortgage Acceleration Calculator.

By answering a few basic questions (No personal, private information), you can find out you how much time and money — over the life of the loan — you could save by paying an additional amount in your mortgage payment each month.

To Use This Free Resource from Sovereign Financial Group, Click Here

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions. 

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

Where are the best places to retire?

June 28, 2016

Well, what matters most to you ?

Climate?

Low property taxes?

Part-time employment opportunities?

The community?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Columnist Richard Eisenberg, to help us clarify and prioritize our wants and needs, so we can enjoy our Golden Years!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

9 Things "You Thought" Were Insured

June 22, 2016

Your home may be insured, but is everything inside of it protected as well?

Don’t wait until claim time to find out!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Insurance Professional Gretchen Evans, who lists 9 commonly overlooked items, from toys to pets, that could be putting you at risk for liability. Then, Gretchen shows us what we can do about them.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Investors Are Human Too

June 16, 2016

In 1981, the Nobel Prize–winning economist Robert Shiller published a groundbreaking study that contradicted a prevailing theory that markets are always efficient.

If they were, stock prices would generally mirror the growth in earnings and dividends. Shiller’s research showed that stock prices fluctuate more often than changes in companies’ intrinsic valuations (such as dividend yield) would suggest.

Shiller concluded that asset prices sometimes move erratically in the short term simply because investor behavior can be influenced by emotions such as greed and fear. Many investors would agree that it’s sometimes difficult to stay calm and act rationally, especially when unexpected events upset the financial markets.

Researchers in the field of behavioral finance have studied how cognitive biases in human thinking can affect investor behavior. Understanding the influence of human nature might help you overcome these common psychological traps:

Herd mentality - Individuals may be convinced by their peers to follow trends, even if it’s not in their own best interests. Shiller proposed that human psychology is the reason that “bubbles” form in asset markets. Investor enthusiasm (“irrational exuberance”) and a herd mentality can create excessive demand for “hot” investments. Investors often chase returns and ...

To Continue Reading the Article, Click Here

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

How Does Money Affect Your Marriage?

June 15, 2016

In the best of marriages, the worst of marriages, and in all marriages in between, money is a factor to be considered.

You won't want to miss out on this important information.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Tiana Ronstadt, owner of Power Women Investing, who explains how money plays a role in marriage and divorce, and what you can do to stay on your feet.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

$18.3 Million per Hour ~ Romeo Raabe Reports from Washington

June 9, 2016

"On a recent trip to Washington, D.C. to discuss Long-Term Care and Medicaid issues with fellow industry professionals (including Heather Lindsley, of Woodmen Financial Resources) and government officials, I saw large posters in many of the D.C. subway stations from the Alzheimer’s Association. They all said that the federal government spends $18.3 million dollars on Alzheimer’s EVERY HOUR. That is a pretty large number, and comprises many areas, but one of the largest is the Medicaid program.

Medicaid will pay for Long-Term Care when you have completely exhausted your assets paying for your care. Completely exhausted means you have less than $2000 to your name, and have sold all else and cashed in your life insurance over $1500 worth.

Unfortunately, many of us will end up in this situation with nursing homes locally easily running $10,000 per month and assisted living being half that cost (dementia care is often $6500/month for dementia care though). How many of us can afford such a bill every month, for years on end?

That is why Medicaid was developed; it is a welfare program for people needing care who are completely broke. When all the baby boomers were in their highest earning years, and we had relatively few people needing Medicaid, the budget was fine. But now that boomers are turning 65 at a rate of 10,000 per DAY, we don’t have enough caregivers, or money to pay for them to satisfy the need.

If you thought professional advice might be helpful in saving for retirement, then planning for Long-Term Care is even more involved. We at TheLongTermCareGuy.com have been doing nothing but the financing of Long-Term Care for over 23 years. We know how to help you find funds for care, stretch the funds you have, or how to protect some of your assets for family when no other option is available. We also offer Long-Term Care insurance from more carriers than anyone else; for those who want the least expensive solution and are planning ahead.

If you have questions about your current Long-Term Care insurance, are considering its purchase, or have other questions about protecting your funds from the costs of care, call the experts who have more experience than anyone in Wisconsin in this field."

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030.

You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

You Really Do Make a Difference!

June 7, 2016

Did you know that YOU are the most effective and impressive means of positive change in the world?

Millions of average Americans’ small donations have not only made big differences, but continue to make the world a better place.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Karl Zinsmeister, VP of the Philanthropy Roundtable, to share with us real stories about the impact of generous American donors, such as the creation of radar to help win WWII, and more!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Are You Part of the Unpaid Army?

June 2, 2016

Roughly one in four U.S. workers age 25 and older provide unpaid care for a loved one who has health problems or is disabled.

In 2014, there were about 40 million family caregivers in the United States, 60% of whom had full- or part-time jobs.

Family caregivers spend an average of 18 hours per week helping others carry out activities of daily living such as bathing and dressing, cooking meals, paying bills, driving to doctor visits, and administering medications.

Sadly, the results of a recent survey suggest that the workload and stress can take a toll on a caregiver’s own health, financial situation, and mental well-being...

To Continue Reading the Article, Click Here

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

How To Win-Win-Win At Work

May 31, 2016

To help balance out the election year rhetoric of corporate greed, this week we zoom in on companies that practice Conscious Capitalism

In Conscious Capitalism, employees and CEOs alike share in a culture of trust, integrity, and a belief in a higher purpose.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Professor Raj Sisodia, Award Winning Author and Founding Member of the Conscious Capitalism Movement, who explains why caring companies overwhelmingly succeed more than those who seek only profits on the backs of others.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Don't Take Your Paycheck for Granted!

May 23, 2016

It’s Disability Income Insurance Awareness Month ...

But, how does it work?

What benefits would your Social Security pay out?

Do you have a group Disability Income plan at work?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Disability Income Insurance Professional Corey Anderson, to break it down; so you'll have the knowledge to find out what's covered, what’s still at risk, and what you can do to protect your paycheck.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Meet Nick Zerillo

May 19, 2016

We were fortunate enough, in between his many business and civic involvements, to catch up this week with Nick Zerillo, of Sovereign Financial Group.

Nick, a husband - and father of 3 daughters, began as a financial advisor in 2001.  He opened Sovereign Financial Group, LLC, in 2012, and has continued to enhance and expand the services they offer.

We asked Nick why he chose to go into this line of business, and what he most enjoys about it:

"Early in life, I understood the importance of financial planning, and the impact it can have on someone’s life, good or bad, if not done properly.

I believe that we are all “Created to Serve” each other and our community, and being a financial advisor provides a wonderful opportunity to do just that. Financial security is very important, and I feel privileged to be able to help my clients, and to make a difference in their lives."

Through Sovereign Financial Group, Nick offers a variey of financial products, services, and information, including among them retirement planning and insurance.

"As a true independent financial professional, my clients get unbiased recommendations and impartial guidance, based on directly what best serves them. I use a multi-step planning process that addresses where someone has been, where they are, and where they want to go. I help distribute assets based on what is most important to my clients."

When Nick isn't working hard for his clients, he has no trouble finding ways to enjoy life, and contribute to the community:

" I enjoy spending time with my amazing wife and three beautiful daughters. Being active in my community is also very important to me. I have been a coach for girls softball for many years, serve multiple roles at my church, and I also volunteer for many different charities. I am an active member of the Optimist Club of Green Bay, Allouez Business Association, Estate Planning Council of NE Wisconsin, and the Children’s Hospital of Wisconsin Guardian Society."

We asked Nick what "One Thing" he would most like to share with our Members and Readers:

"Above all, I serve my clients with honesty and integrity. It doesn’t matter your financial situation or experience, I am here to counsel and assist you in making sound decisions that will help you, your family, and your future."

We hope you've enjoyed this opportunity to meet Nick via this article, and we encourage you to stop in at Sovereign Financial, and meet him in person. Please remember to tell Nick that you saw him in the Green Bay News Network!

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

Beating Cancer, And Paying the Bills

May 19, 2016

He was a young professional who had it all...

...a booming family business, a beautiful wife, healthy kids, and he was in the best shape of his life…

...until he was diagnosed with stage four cancer.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Jason Mendelsohn, co-founder and President of Ashar Group, LLC, a nationally licensed firm specializing in the secondary market sector for estate and business-planning professionals.

Jason shares with us his story of beating cancer, AND keeping his bills paid!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

What makes Catholic Financial Life different?

May 12, 2016

Well, there's more than one answer to that very good question!

Aside from being a membership fraternal organization, founded by Catholics - to help Catholic Families, we want to focus today on just one of the many unique things about Catholic Financial Life:

Members who are the primary insured on a Catholic Financial Life product, or insured under a spousal rider, are eligible to apply for additional value-added benefits, including:

• $200 Catholic Grade School Scholarships • $100 Confirmation Retreat Subsidy

• $500 Catholic High School Scholarships • Child Cancer Benefit

• $500/$1,000 College Scholarships • Orphan’s Benefit... and more!

In 2016, Catholic Financial Life gave out 503 grade school, 161 high school, and 83 college scholarships, totaling over $260,000 that was awarded in educational scholarships to members!

To Learn More about these Financial Membership Benefits, Click Here.

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Tired? Stressed Out? Would You Like To Feel Great Again?

May 11, 2016

Food is medicine!

Some foods give you energy, while others can help you fall asleep. 

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Wellness Coach Ramona Fasula, to explain the medicinal effects of certain foods, and why toxic foods can leave you feeling sluggish.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Could You Live Without Income?

May 4, 2016

Everyone knows what Health Insurance is; it pays for your healthcare.

But what pays your bills while you are in the hospital?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Camille Snyder, a Disability Insurance Specialist with the Guardian Life agency, to share her story, and help you protect your income.

Camille was a 23-year-old, living a young professional’s dream, so she thought additional insurance wasn’t necessary yet. And then she was diagnosed with cancer...

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Catholic Financial Life Receives 2016 Top Workplaces Award

April 28, 2016

Catholic Financial Life, a leading Catholic life insurance organization, announced it has been named a 2016 Top Workplace by the Milwaukee Journal Sentinel. This year's recognition marks the third consecutive year Catholic Financial Life has received this honor.

“We are honored to be recognized as a Top Workplace throughout southeastern Wisconsin for the third year in a row,” said President & CEO, Bill O’Toole. “At Catholic Financial Life, we consider our associates our most valuable resource. The fact that our associates believe so strongly in our mission and each other is very satisfying.”

To qualify as a Top Workplace, an organization is evaluated by its employees on everything from the organization’s long-term outlook and leadership, to employee job satisfaction, pay & benefits, and work/life balance.

Consecutive Top Workplace awards aren’t the only big wins for Catholic Financial Life. In 2015, the organization produced record breaking financial results: realizing a 10 percent increase in Annual Pay Life sales and record surplus & total adjusted capital, all while maintaining an exemplary 97 percent persistency.

To Learn More, and For Answers to Your Financial & Insurance Questions, Contact Kristin O' Connell, or Joe Giganti today, and be sure to tell them that the Green Bay News Network sent You!

Kristin O’Connell CFP®, FIC
Regional Manager

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Joseph R. Giganti, Sr.
Advisor

Ph 920.569.4606 FAX 920.432.8997 Cell 920.370.2200

joe.giganti@catholicfinanciallife.org

www.catholicfinanciallife.org

200 S. Washington St. Suite 300
Green Bay, WI 54301

Do You Worry About Paying For Long-Term Care?

April 28, 2016

60% of adults do; according to a recent study

A recent study claims that 60% of adults worry about how they will pay for Long-Term Care (LTC), and 10% said it was their top concern. While two-thirds of consumers agree that most people need LTC insurance, only 16% own any.

Most people have never investigated LTC insurance, and simply “think” it is too expensive. Many insurance agents, who dabble in this product, feed that myth by suggesting policies that are way too large for the consumer’s needs.

When someone needs LTC services, their lifestyle changes drastically...

To Continue Reading This Article, Click Here

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Protecting Yourself From High Deductibles

April 27, 2016

Do You Have Critical Illness Insurance?

Are your health insurance deductibles getting higher and higher?

How can you protect yourself and your family from financial devastation, if any of you should get diagnosed with a critical illness?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Author, Entrepreneur and Insurance Expert,Don Hansen, to help us all learn about the increasingly popular (and increasingly useful) insurance that can help balance high deductibles – Critical Illness Insurance!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

You think Long-Term Care insurance is expensive? Really?

April 21, 2016

Did you know that a 65 year old person can buy $850,000 of coverage for less than $2000 a year; even less if married - with the spousal discount?

Why spend down to Medicaid impoverishment and then try to find a place that will take you on the money-losing reimbursements that system pays to providers?

Many people are surprised that when this coverage is chosen appropriately, it is much less than they feared, and far better than spending down into impoverishment for Medicaid, a welfare program.

Bear in mind that you may not need two cars when one cannot drive. Same for the boat, snowmobile, motorcycle, camper, plus no more trips to Branson, cruises, etc. When you cannot do the fun things anymore, those dollars can be reassigned to pay for some of the Long-Term Care costs. Then the interest on your savings can also help out, while not using up the principal.

Ok, back to my original claim for a 65 year old.

My example is a 65 year old purchasing $70/day benefit that will last for ten (10) years of collecting when care is needed. That $70/day number goes up every year by 5% compound to keep up with the increasing cost of care. That is built in to the premium so do not expect premium increases for this. In 15 years, the $70/day figure will have doubled to $140/day. With that and a Social Security check and perhaps a bit of interest from your savings and voila, you have covered the cost of Long-Term Care.

Every case is different, so investigating with an expert in this area is far better than someone who dabbles and has sold 3 policies this year.

We will help you think through how little of the insurance you need to make up your shortfall, give you pricing on the best company for your ages and health, and then you decide if it is worthwhile or not.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Molly Shannon's Brush With Tragedy

April 18, 2016

Behind the Laughter

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Actress Molly Shannon.

You may remember Molly from Saturday Night Live, but behind the laughter is a real person who has experienced real hardships.

After a car accident claimed the lives of her mother, sister, and cousin, Molly now serves as a Life Insurance Advocate; so that others can learn how to protect themselves from financial hardships in the wake of tragedy.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

From Piles ... To Files!

April 12, 2016

Secrets of a Professional Organizer

It’s Spring Cleaning time! Whether it’s your junk drawer or the entire cluttered basement, just the thought of going through it all can be daunting –

...but it’s not impossible!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Professional Organizer Laura Gramann, to explain how important it is to organize your important documents and treasured keepsakes. 

Tune in to learn the steps and tools to help you get it done, so you have more time and space for the important things in your life!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How Your Home Can Help You Pay For Long-Term Care

April 7, 2016

Yes, it is possible for your home to help pay for your Long-Term Care (LTC) and possibly help keep you in your home longer.

For many seniors, the home equity is their largest asset. Using that asset to help keep you at home, versus in a LTC facility, can make sense. There are a number of strategies on how this might happen.

First, let’s review the Medicaid rules for paying for LTC.

Medicaid is the fall back option for people who cannot pay for LTC themselves. If you are single, you must spend down EVERYTHING you have, down to $2000, including the sale of the home, auto, IRA’s, cash in life insurance over $1500; pretty much devastating your finances. If married, the spouse at home can retain use of (Medicaid will recover later, so children may not inherit) the house, one vehicle, some savings and income.

Since the house will be subject to estate recovery, where Medicaid takes it after last death preventing your children from inheriting it, why not use it to pay for your care – at home or in a facility...

Click Here to Read the Complete Article

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

Two Great Offices Still Available!

April 7, 2016

We spoke with Nick Zerillo, of Sovereign Financial Group, this morning. While several of their rental offices have been leased, Nick let us know that there are still Two Offices available; at $300 per month.

 Lease includes use of 2 conference rooms, internet, heat and A/C, and a very professional place to conduct business.  Phone lines are extra.  If you only need an occasional place to conduct business meetings, there is the option to lease conference room time on a monthly basis. Terms of the conference room lease depend on your needs.

These rental opportunities are ideal for a business that is complimentary to a financial services office such as an attorney, accountant, P&C insurance agent, etc.

Sovereign Financial is located at 801 Hoffman Road in Allouez, only a few minutes off the highway. in an active stip mall with an eclectic mix of businesses.

Want to learn more?  Give Nick Zerillo a call at 920-819-2114, or email him at nzerillo@sovereignfinancial.org.  Be sure to let Nick know that the Green Bay News Network sent You!

Heather Lindsley is Featured Guest on National Online Program

April 7, 2016

Every Week, Heather Lindsley, one of our Green Bay News Network Members, presents Real Wealth® Weekly, in which we hear from various experts in the financial arena.  Well, This Week, Heather is the Featured Guest!

Whether she’s a stay-at-home mom or a working professional, a woman’s unique role requires unique planning. Heather Lindsley, LUTCF, has seen first-hand how a woman’s input on financial strategizing can make a huge positive impact. We invite you to tune in to learn how men and women can work together to create a well-rounded plan.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Meet Joe Giganti

March 31, 2016

"A Passion for People"

This Week, your "Roving Reporter" has the fun of introducing you to a personal friend of several years running.  

I had the pleasure of meeting Joe Giganti in 2008, and have worked with him previously in a wide range of personal and professional endeavors.  As Joe is well known in the community, it's likely that many of our members and readers are already somewhat familiar with him.

Joe, a devoted husband and father, is an Advisor with Catholic Financial Life, working from their downtown Green Bay office on South Washington Street.

A native of Washington, D.C., Joe Giganti moved to the Green Bay area in 2007 to lead a fledgling radio syndication company. He has a diverse and rich background, having managed virtually every facet of the media and marketing life cycle over the past two decades.

Joe was drawn to the mission of Catholic Financial Life through personal experience.

Having lost his father at the tender age of 8 years, Joe has seen first hand the suffering a family experiences when they lack the financial security that life insurance brings.

Joe says this is his main reason for being a Catholic Financial Life Advisor.

Catholic Financial Life allows me to help families achieve the financial security they seek and need, and it ensures that their children won’t have to contend with the most overwhelming of stresses: financial stress. I can’t change my past, but I can play a vital role in helping shaping members' futures for the better.

Most importantly, being an Advisor with Catholic Finanical Life, allows me to positively impact members’ lives while representing the Catholic values we hold most dear. As a Catholic fraternal organization, we approach the entire situation from a different point of view than do our commercial counterparts. We answer to “main street”—our members—not Wall Street. This allows us to make our members’ goals and dreams our own, and to map out a plan to achieve those dreams; to help them come true."

We asked Joe what he is most thankful for, as he looks back on his life, and as he looks ahead:

“I am most thankful for our Catholic Faith, because it not only sustains and offers us hope in difficult times, but is truly a path of joy -- both in this world, and leading us to heaven."

When we asked what he would most like our members and readers to know, Joe had this to offer:

"Personally, what I really try to communicate to people is that everyone, absolutely everyone can honestly and truly benefit from Life Insurance. This is not just sales talk; it comes from experience, and from my passion for people."

To Learn More, and For Answers to Your Financial & Insurance Questions, Contact Joe Giganti today, and be sure to tell him that the Green Bay News Network sent You!

Joseph R. Giganti, Sr.
Advisor, Catholic Financial Life
200 S. Washington St. Suite 300
Green Bay, WI 54301
T 920.569.4606 F 920.432.8997 C 920.370.2200
joe.giganti@catholicfinanciallife.org
www.catholicfinanciallife.org

When you Call or Visit Joe, Ask him about the New Member Benefits that begin on April 1st!

Discrimination in Long Term Care?

March 31, 2016

Yes, it is legal, despite what an article in the USA Today newspaper stated last week. Long-Term Care (LTC) facilities can and do discriminate on whom they allow in.

The problem is that many people do not plan for LTC costs. The insurance that pays for LTC is not cheap, but is actually quite reasonable compared to what it will pay out for your care when needed. The problem is that many people will put more time and effort into finding a way to get onto Medicaid (welfare), than into finding out how they might be able to pay for their care and have choices.

A good friend is currently trying to get her mother into a facility in the Midwest.

Most of them are asking about her mother’s finances. If she has enough to pay for a number of years, they will accept her. If soon to be on Medicaid, they will not. Others will accept her only if she signs that when she runs out of money and turns to Medicaid, she must leave. How difficult will it be for her to find a facility to accept her then, when they will be losing money on her from day one?

Click Here to Read the Full Article

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web. 

Why Time Equals Money

March 30, 2016

Are you finding it harder and harder to understand IRAs?

The good news is that the varieties are meant to encourage you to save, but the bad news is that it can be difficult to understand.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Gary Maack-Magnussen, Attorney and Financial Consultant, to help us navigate the ins and outs of IRAs, so we can start compounding our savings!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Live Long & Prosper!

March 23, 2016

How long will you live?

Financial Professionals can help you plan for retirement, but will you be healthy enough to enjoy it?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Planner and Wealth Channel Contributor Frank Lojewski, who reveals how a holistic approach to retirement planning can help you to live long and prosper!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Meet Romeo Raabe

March 17, 2016

Known personally and professionally as The Long Term Care Guy, Romeo Raabe may well be one of the most active and interesting businessmen in our community.

Romeo travels to numerous state and national conventions as a speaker on the topics of financing Long-Term Care, and how to use Long Term Care insurance appropriately. He is trainer for the largest "wholesaler" of Long-Term Care insurance products in the Midwest. In this capacity, he travels and trains agencies on how to implement Long-Term Care Insurance products in their client planning strategies.

Romeo mentioned that helping people finance long term care has been a passion of his since 1988.

"I put together strategies to help people plan in advance while still healthy, strategies for those not healthy enough to qualify for LTC insurance, and even strategies for those already in care; helping them make their money last, or protecting some of their funds. I partner with financial planners all over Wisconsin, helping their clients investigate how to deal with Long Term Care."

As we've pointed out in previous articles, Romeo Romeo writes the Long Term Care Partnership Certification classes, both the 8 hour initial certification and the 4 hour bi-annaul re-certification course. All Wisconsin agents must have these courses if they are selling Long Term Care Insurance. He teaches these classes throughout the midwest.

Just a quick glance at the Schedule Page on his website, will give you an idea of the esteem and demand in which Romeo is held in the industry:

March 10, 2016
Teaching the Long Term Care 4 hour recertification course for NAIFA at Brett Favre's restaurant in Green Bay

March 23 through 30, 2016
Teaching Long Term Care insurance appropriate sales techniques to agents in Denver, Colorado and Los Angeles, California

April 29 & May 6, 2016
Teaching How To Travel Inexpensively, Using The Internet for Learning in Retirement at NWTC in Sturgeon Bay, WI

May 13, 2016
Teaching CPA continuing education on Long Term Care planning at Schenk Accounting in Appleton, WI

May 16 to 18, 2016
Presidents conference at Auto Owners Insurance Company in Lansing, MI

Although we were pretty sure we knew the answer to this, we asked Romeo why he's in this business:

"I enjoy helping people find ways to finance their long term care."

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Economic Mega-Sale!

March 17, 2016

Do you like to shop sales?

Then, learn how to turn a bad economic situation into Mega-Sale!

Not all debt is bad if you have a good financial teacher and a good strategy.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Robert Kiyosaki, Author of several best-selling Personal Finance books - including "Rich Dad - Poor Dad," to explain to work a negative situation to our benefit.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Don't Be a Victim!

March 10, 2016

Do you watch the crime reports on the news and think “that would never happen to me?"

Think again! Crime is everywhere; in parking lots, online, and maybe even in your own backyard!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Jeff Whisler, Personal Safety Specialist, to share some simple safety tips that can help all of us reduce the likelihood of becoming targets of crime.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Financial Advice: Self-Help ~ Or Sound, Professional Advice?

March 1, 2016

Most of us need some help in putting together and managing our finances; especially if we're looking for financial well-being.

Would you get treatment from a doctor who hasn’t seen your history?

Then don’t be fooled by promises of financial freedom, from celebrities who don’t know your finances! 

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Michael Markey, Financial Advisor and Co-Founder of Legacy Financial Network, to debunk celebrity, one-size-fits-all advice, and to help get us all on the path to real wealth!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Real Wealth Isn't About Money

February 25, 2016

Doesn't it feel great to give to charity?

As wonderful as that feels, it's important to realize that kindness can be so much more than an occasional donation.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Leigh Clark, Creator of Kindleigh Art. 

She experienced first-hand how random acts of kindness can give you meaning in this fast-paced and impersonal world, and turned it into her life's mission. She shares with us how each of us can make a difference!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Are You Overpaying on Taxes?

February 17, 2016

If so ... STOP!

Have you baked treats for a religious gathering, or driven around to deliver Girl Scout Cookies?

Then you are eligible for tax deductions!

Taxes are the #1 expense in America, so it can certainly pay off when you take all the deductions to which you're entitled.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Sandy Botkin, CPA, Attorney, Author, and CEO of the Tax Reduction Institute, to show us how business owners and employees alike can reduce the amount of taxes they must pay.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Meet Heather Lindsley

February 10, 2016

The Compass Newspaper, the nationally renowned Catholic newspaper of the Diocese of Green Bay, announced on February 8th the honorees for the 2016 Faith That Works Awards.

We're delighted to announce that one of our Green Bay News Network Members is among this year's honorees: Heather Lindsley, of Woodmen Financial Resources.

Heather joined Woodmen Financial Resources in June 2013. She specializes in the area of life insurance analysis, as well as medicare, long term care, and retirement income. She brings a great perspective in understanding a client's financial situation, and is respected in the local financial professional community.

Heather has been in the financial services industry for more than 10 years. She has earned the Life Underwriters Training Council (LUTCF) designation. She is an active member of the National Association of Insurance and Financial Advisors (NAIFA), and holds positions on the board at local and state levels.

We asked Heather about her feelings upon hearing that she was being recognized by the Diocese of Green Bay, for putting her faith to work in the marketplace:

"I am so honored to have even been nominated; 'shocked, speechless' I think are the best words I could use to describe how I felt when I received the letter. Anyone who knows me will tell you that does not happen very often. I go about my days doing what I love, and giving whenever and wherever I can. It’s not about the recognition, it’s about the small difference I hope to make in someone else’s life."

Heather shared a bit about why she chose this particular profession, and what she most enjoys about her work:

"I love helping people turn their hopes and dreams into reality! Retiring with dignity, and creating financial security for families is so rewarding. I don’t consider the people I work with to be “clients,” they are friends and extensions of my family. There is no better reward than to be invited to a family event, and be introduced as a friend, or to end an appointment with a hug instead of a handshake. To hear 'I can sleep so much better at night,' or 'I never thought this was possible,' really makes me feel good. I never have the urge to skip work, because I don’t consider it work. I absolutely LOVE what I do!"

"It is because of what I do, that I have the relationships that have enabled me to become more involved in the community around me. There is great joy in giving of one's self, and even more joy when you can inspire in those around you the desire to give back."

Lastly, we asked Heather if there was one thing she'd like all of our Members and Readers to know:

"My door is always open, and I look forward to meeting new people every day. I have a judgement-free policy; no one should feel like they are just a number, or that they don’t have the assets to need a financial plan. Whether you have a question that needs to be answered, or need help putting a budget in place, you are always welcome."

Woodmen Financial Resources is a full service financial services firm based in Green Bay, Wisconsin. They assist clients throughout the U.S. who want objectivity without any product/sales influence.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Special Needs Financial Planning

February 9, 2016

Do You Know What You Need to Know?

There is so much to consider for those whose livelihoods depend on a complicated balance of family support, government services, privatized care, and more.

What will happen to your special needs child when you pass away?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us the Founder of Protected Tomorrows, Mary Anne Ehlert, CFP®, who has devoted her life to providing financial advice to families with special needs. Now you can learn the dos and don’ts from someone who knows!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

When a Loved One Needs Help

February 4, 2016

When a loved one needs help with their day to day activities, such as shopping, cleaning, bathing, dressing, etc., it is scary for them. It is also scary for the family, as this care is expensive.

Care at home can be as costly as care in a Long-Term Care facility. Fortunately, most people today will never need a nursing home, but the assisted living facilities range from $3000 a month to $6000 a month, with dementia care  being the most expensive.

Few people are prepared for such a monthly bill like this.

Fortunately there is a program called Medicaid that will pay for such care, but only once you are completely impoverished. A single person can retain only $2000 of assets, $45/month from their income, they can keep life insurance that pays out less than $1500 at death – otherwise it must be cashed in.

Medicaid does allow one additional item, however. You are allowed to set aside up to $15,000 into a special account so your children do not end up having to pay for your final burial expenses.

This money must be put into an irrevocable burial trust; and this is a large part of our business here at The Long Term Care Guy.

You can set up this special trust account even if you are in a facility and currently “spending down” to Medicaid. Your family has complete control over how much, how little, and where this money is spent for final expenses. The remainder is returned to your estate after all the bills are paid.

A little known fact is that not only can you do this for yourself, but you can also fund such special trusts for each of your children AND their spouses. Who would you rather leave your money to? You do have a choice!

For information on this, or any other questions relating to how Long-Term Care is financed, call us at 920-884-3030. We host family meetings regularly; often just to explain options to families that are confused over what to do.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Economic Lemons? Make Lemonade!

February 3, 2016

Does the economic news seem sour at times?

An economic downturn doesn’t have to mean loss for you!  With the right information, any American can plan to make the most out of the economic future.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Advisor Van Mueller, to share with us the financial strategies of the rich and famous.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Super Successful Thinkers

January 26, 2016

How DO "Super Successful" People Think?

What does success look like?

How does it make you feel?

What can you contribute to make that happen?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Kevin Gaskell, CEO of Porsche, to share how he took the company from near-bankruptcy to over 500% growth in just four years - and how You can grow from Great to Greater!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

L.T.C. School

January 21, 2016

To help you better understand Long-Term Care Insurance, Romeo Raabe, The Long Term Care Guy, would like to take you to School!

An online, Long Term Care School, that is!

Romeo Raabe's LTC School will will walk you through an online resource, explaining what long-term care is, and why you should consider adding this valuable coverage to your financial portfolio.

It will take approximately 15 minutes to completes. This information will enable you to make an informed decision about whether or not long-term care insurance is right for you.

Click Here to Go to School!

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Do Your Kids Overspend?

January 21, 2016

Dr. John Whitcomb has the answer!

How do you explain budgets and priorities to an adolescent who “needs” smart phones and gaming systems and clothes and music lessons and cars?

Are your kids’ expenses costing you a fortune?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Author and Physician John Whitcomb, to share with us how giving our kids control of the money, can ultimately teach them the value of responsibility.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

ACA - Obamacare Deadline Jan 31st.

January 12, 2016

The January 31st Insurance Deadline under the Affordable Care Act ~ commonly known as Obamacare ~ is fast approaching!

Do you know all you should know?

Are you a little confused about the choices, coverages, and requirements?

Should you risk going uninsured?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Health Insurance Professional Carrie Weyer, who breaks down the jargon, so we can make informed decisions.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Long Term Care ~ Why Think About it When You're Young?

January 7, 2016

A frequent misconception is that long-term care insurance is only for the elderly or infirm.

In reality, 50% of people receiving care today are under age 65.

It's not hard to imagine why such is the case:

Automobile and Recreational Accidents (skiing, horseback riding etc.)

Illnesses such as multiple sclerosis, stroke, or heart attack

We all know of or can think of younger people who have had accidents which caused paralysis or someone who has a disease, such as Parkinson's.

To learn more, Click Here

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Why Have Insurance?

January 5, 2016

Did you know that life insurance is not only affordable, but that it's more useful than you may think?

Are you aware that many different benefit options are available?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Insurance Expert and Fox News Radio Contributor Danny O'Connell, who explains the possibilities from his first-hand experiences with hard times, and how insurance helped keep his family afloat.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Become Educated about Money

December 30, 2015

Money can make your life either better ... or worse.

What is your relationship with it?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Ronco Johnson, Advisor, Author, and Inspirational Speaker.

Through his financial planning experiences with clients and professional athletes, he realized the need for public education and founded The Ronco Johnson Foundation for Financial Literacy.  Ronco shares with us why financial education is so important, how to leverage opportunities with any budget, and create a life and work environment that you’ll love!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Women's Educational Seminar ~ January 11th!

December 22, 2015

Heather Lindsley, of Woodmen Financial Resources, will be presenting a Women's Educational Seminar on Monday, January 11th, 1pm-6pm, at the Ashwaubenon Library:

Women & Money

Together we'll take a look at some of the unique financial challenges women often face, and then some of the steps women can take to take charge of their financial future.

Registration is Free; please sign up at the library, or by phone at 920-448-5872.

Heather specializes in the area of life insurance analysis, retirement planning and income as well as Medicare, and long term care. She brings a great perspective in understanding a client's financial situation, and is respected in the local financial professional community.

Heather has been in the financial services industry for more than 12 years. She is active in the financial service community, participating in Business Networking Institute (BNI), holding positions on the local and state boards of the National Association of Insurance and Financial Advisors (NAIFA), and is the current President of the Foundation for Insurance and Financial Education, Inc. (FIFE). She also holds a Series 6, 63, and 65 securities registration, and is a Registered Representative of Woodbury Financial Services, Inc.

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

 

Unique Job Opening for Care Consultant

December 17, 2015

If you are passionate about helping people make Important Life decisions, then this may be the opportunity for you.

Romeo Raabe, The Long Term Care Guy, has several positions available for Independent Long Term Care Consultants.  The great news is you don't need to be an expert in Long Term Care to get started.  

Romeo travels all around the country educating professional Long Term Care Consultants on the ins and outs of long term care insurance, and he is now interested in training several area consultants.  At the end of your training, you will take the certification tests to become a licensed Long Term Care Consultant.  

Romeo writes and teaches the certification courses required to sell any type of Long Term Care insurance for various schools and insurance associations.

Romeo also teaches volunteer courses for Learning In Retirement at UWGB and NWTC on LTC, Travel Bargains Using the Internet, and How to Use Ebay.

If you were to ask Romeo what his specialty is, he would say, "Choosing appropriate coverage for Long Term Care Insurance, and finding ways to help people avoid Medicaid when long term care is needed."

Here is your chance to learn from an area expert, help Green Bay area residents, and make some good money at the same time.

If you noticed, this position is not posted as a sales position, but rather a consulting position.  That's because Romeo is interested in training people who are passionate about helping other people.  Other requirements include having the willingness and ability to learn the subject material, travel around town to meet with people, and to successfully pass the certification test required to represent these products. 

Whether you are looking for full time or part time work, you are invited to apply for this position.

If this sounds like a good fit for you, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web. He's looking forward to training you!

Successful Retirement

December 10, 2015

What are the keys to a successful retirement?

Do you know how to turn assets into income?

What do you know about managing risk?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Joe Jordan, a seasoned financial professional and founder of The Retirement Institute, to help answer these questions - and show us how to maintain a lifestyle-sustaining income in retirement.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

The Best Places to Retire

November 30, 2015

Where are the best places to retire?

What matters most to you

Climate?

Low property taxes?

Part-time employment opportunities?

The community?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Columnist Richard Eisenberg, to help us clarify and prioritize our wants and needs, so we can enjoy our Golden Years!

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Retirement Re-Defined

November 23, 2015

How to Cover Your Bases --

How do you define retirement?

Do you have a plan to fund it?  There are so many options out there - the key is to pick one!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Financial Gerontologist, Kelly Ferrin, who studies retirement, healthcare costs and the role of the family.  

With Kelly's help, you'll find out what to discuss with your financial professional so you can make sure your bases are covered.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

 

 

planning for future comfort and independence

November 17, 2015

No one wants to become a financial burden to their children, but how you can prevent that from happening?

The answer is in proper planning!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Rob Horkheimer, Home Accessibility Consultant and Physical Therapist.

Rob discusses cost-effective home modifications, new technological advancements, and essential considerations that families on any budget can use to plan for future comfort and independence.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Learn How to Protect Your Money with An Irrevocable Funeral Trust

November 12, 2015

Did you know that a Funeral Trust can protect some of your money from nursing care costs?

Even if you have life insurance to pay for final expenses, these Trusts are necessary. Your family or beneficiaries will not have immediate access to life insurance money.

To watch a short, informative video about Funeral Trusts, Click Here.

If you're interested in learning how to protect your money with a Funeral Trust, Check out Romeo Raabe's Tips to Remember

For more information on this or other related topics, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Great Office Space Available in Allouez

November 12, 2015

Do you currently work out of your house, need a satelite office, or just need a professional place to conduct business?  

If the answer to any of those questions is "Yes", then give Nick Zerillo at Sovereign Financial a call.

Sovereign Financial is located at 801 Hoffman Road in Allouez, only a few minutes off the highway. in an active stip mall with an eclectic mix of businesses.

Sovereign has a few offices available to lease out on flexible lease terms.  Sizes range from 8x12, 12x12, 12x14, and 12x15.  Lease includes use of 2 conference rooms, internet, heat and A/C, and a very professional place to conduct business.  

Phone lines are extra.  If you only need an occasional place to conduct business meetings, there is the option to lease conference room time on a monthly basis. Terms of the conference room lease depend on your needs.

These rental opportunities are ideal for a business that is complimentary to a financial services office such as an attorney, accountant, P&C insurance agent, etc.

Want to learn more?  Give Nick Zerillo a call at 920-819-2114, or email him at nzerillo@sovereignfinancial.org.

Centenarian's success

November 9, 2015

Secrets to Success from America's Wisest

Could You benefit from the collected wisdom of hundreds of years?  Quite Possibly, Yes!

Benjamin Franklin once said "Early to bed and early to rise, makes a man healthy, wealthy, and wise." Nobody understands truth of that statement better than centenarians.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Dr. Steve Franklin, author of the book Celebrate 100: Centenarian Secrets to Success in Business and Life, to share with us the wisdom assembled from surveys of over 500 centenarians living across the United States. You'll hear their insights on managing money, enjoying and thriving at work, and living a successful, fulfilling life.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Aging Well!

November 2, 2015

Do You Have a Plan for Aging Well?

How do you imagine living your Golden Years? One of the keys to aging well, is having a plan in place to provide care and comfort during your later years.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Jesse Slome, of the American Association for Long-Term Care Insurance, to discuss different ways you can plan now to enjoy flexibility and freedom in your future.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Plan Now to Avoid College Debt

October 26, 2015

Benjamin Franklin once said, “An investment in knowledge pays the best interest.”

Today, the average college student leaves with $30,000 in debt, and tuition is rising every year!

How can we help our younger generations invest in their future without a large burden of debt?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Roger Michaud, of the College Savings Foundation, to discuss different approaches you can take to plan for your children’s or grandchildren’s educational opportunities in the future.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

The Art of Why

October 20, 2015

What drives our actions?

What role does uncertainty, habit, and a need for protection play in our decisions?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Steve Luckenbach, financial advisor and author of the new book The Art of Why.

Steve discusses the “why” of our actions, so we can learn how take advantage of the way we think; in order to get the results we want.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How To Pay for Long Term Care

October 15, 2015

What Can Be Done to Help Financially when You Already Need Care?

If you or a loved one needs Long Term Care, you are probably worried about how long you can afford the monthly cost.

Long Term care costs can run from $3,000 a month to over $8,000 a month in Wisconsin. According to the US Department of Health and Human services, of the 70% of Americans who are projected to need Long Term Care, half will be broke within 6 months.

There are a number of strategies that might be able to help. There are Veterans Benefits for this that most veterans are not aware of, and if they are, may have been told (incorrectly) that they don’t qualify.

There are also strategies that can convert a sum of money into an income for the rest of your life.

For more information, or, If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Scared? Not on Your Life!

October 15, 2015

Halloween is just around the corner, but don't let the cost of Life Insurance "spook" you!

It's more affordable than your think.

There are many myths and misconceptions about life insurance. According to the 2015 Insurance Barometer Study, 2 out 3 adults believe life insurance is too expensive. But, the study also showed that they overestimated the true cost of coverage by more than 200 percent.

In a world filled with uncertainty, Catholic Financial Life has served as the foundation of families’ financial security for nearly 150 years. As the video below describes, we are dedicated to continuing to meet the needs of our Catholic community.

Click Here for the Video

For more information, Contact:

 Joseph R. Giganti, Sr.
Advisor, Catholic Financial Life, and Notre Dame Parent
200 S. Washington St. Suite 300
Green Bay, WI 54301
T 920.569.4606 F 920.432.8997 C 920.370.2200
joe.giganti@catholicfinanciallife.org
www.catholicfinanciallife.org

What's Happening With Healthcare?

October 13, 2015

Are you ready for healthcare annual enrollment on November 1st?

Between network providers, prescription coverage, premium rates and tax credits, there are a lot of pieces to consider.  We would all do well to learn what factors to examine, and how you can find a great fit when it comes time to update or change our plans.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us client advocate and industry consultant Terry Frett, to discuss updates and trends in health insurance.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Economic Trends that could Affect Your Wallet

October 6, 2015

In our global world, our personal choices and finances are more connected than ever before.

How do current choices made by the millennial generation, and the financial situation in Greece and Europe affect our global economy?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Gibran Nicholas, Real Estate Expert and Trend-Spotter, to explore some of the recent trends in the market that may have a financial impact for which we need to prepare.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How many children will be left to pay for their parents' funerals?

September 30, 2015

"More than you would think" is the correct answer to that question.

Life Insurance will only cover your final expenses IF you still have a policy at the time of your death. Unfortunately, many of us are forced - by circumstances - to cash in our policies prior to death.

One of these circumstances is the need for Long Term Care: 70% of us will need long-term care in our later life.

Long-term care is very expensive, and most of us do not have the ability to pay for it. So,we are forced to spend down our assets. At that point, we may qualify for Medicaid, a state/federal program that will pay for long-term care once we are completely impoverished.

For most of us, this means spending down to $2000 of assets, being allowed to keep just $45/month of our income, and cashing in life insurance worth more than $1500.

Fortunately, Medicaid rules allow us to put aside up to $15,000 into an account that cannot be used for anything other than burial expenses. These funds are available at death, even before the death certificate is produced, to pay final expense bills. This is called an irrevocable burial trust.

Why force this bill on your children, when you can set aside some money - before it is gone - for this very purpose?

For more information, or to set up your irrevocable burial trust, contact The Long Term Care Guy, using the phone number and links below:

If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo Raabe a call at 920-884-3030. You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.  

Taking a New Look at Life Insurance

September 28, 2015

The landscape of life insurance has changed quite a bit over the past several years.

Are you aware of the many changes?

Do you understand how these changes impact your life and your future?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Industry expert Jim Kerley, to discuss new research findings on how Americans can afford, use, and better understand life insurance. Learn about new things to consider when using life insurance as a tool for financial security while living, in your estate plan, and as a business owner.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Who Needs Long Term Care Insurance?

September 24, 2015

Why should a person buy Long Term Care insurance (LTC) at age 50, when they may not need care, typically, until age 80? Why pay premiums all those years? Who wants to spend money for 30 years of premiums?

Seems like a logical viewpoint, why start paying premiums now when it could be 30 years before you might need care. As long as you stay healthy it’s a valid viewpoint. If only you could guarantee that!

Health Can Change: Did you know that 40% of the people receiving LTC services in this country are between 18 and 64? Many people go to the doctor every year for a check up and stay in good health, until the checkup where the doctor tells you the results of a test and prescribes metformin, or fosomax, or warfarin, or prednisone, any of which might be prescribed for someone who appears healthy, able to do all their normal activities, but can no longer purchase LTC insurance.

Inflation Happens:  Did you save up to pay cash for your first house? The house went up in price faster than you could save. Good LTC insurance has a built in 5% automatic annual increase in the benefits it will pay when care is needed. Every year you put off purchasing LTC insurance means a larger benefit will be needed, and you are another year older. Once you have a policy, every year your benefits increase to keep up with the increases in the cost of care. Owning a policy puts inflation on your side.

LTC Insurance is Becoming Harder to Get: Some policies will let you purchase 10 years of care, but most limit you to just five years of care maximum. Things that used to kill us, now “wing” us necessitating much longer periods of care, its very expensive, and the insurance companies are afraid to cover us for life anymore. Medical conditions that were acceptable to LTC insurance companies a few years ago will now cause you to be turned down. Medical research has documented the link between diabetes and dementia, causing declines for diabetes now that would have been acceptable several years ago.

When Should You Investigate LTC Insurance? While you are still healthy enough to get it, and it is affordable. Most people are surprised to learn that they need less of it than they initially expected – once appropriate advice is considered. If you purchase coverage at age 50, and paid for 40 years, you would pay less in total than if you waited until age 60 and only paid for 30 years. By 60, a fourth of us can no longer qualify to buy LTC insurance. Get it while the getting is good.

If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo a call at 920-884-3030.  You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visitThe Long Term Care Guy on the web.  

Position Yourself for Financial Success

September 22, 2015

Is it possible to create financial certainty when facing an uncertain future?

With an unpredictable market, changing horizons of Medicare, social security and taxes... how can you prepare a bright financial future for yourself?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Insurance veteran Van Mueller, to discuss how you can strategize for success.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

We Welcome "The Long Term Care Guy" To The Network!

September 17, 2015

We are extremely pleased to introduce and welcome Romeo Raabe, "The Long Term Care Guy," to the Green Bay News Network!

Romeo Raabe has been helping people in Green Bay finance Long Term Care through Long Term Care Insurance, as well as strategies to help folks needing care to pay their way in the absence of insurance, for the last 22 years. 

When doing business with someone on such a personal issue, it's iimportant to most people to know that the person with whom they are talking really understands their problem.  Romeo speaks frequently on the topic of financing Long Term Care, and protecting money from the costs of Long Term Care, to churches, civics groups, and others.

Romeo writes and teaches the certification courses required to sell any type of Long Term Care insurance for various schools and insurance associations.

On a personal note, Romeo teaches volunteer courses for Learning In Retirement at UWGB and NWTC on: LTC, Travel Bargains Using the Internet, and How to Use Ebay.

If you were to ask Romeo what his specialty is, he would say, "...choosing appropriate coverage for Long Term Care Insurance, and finding ways to help people avoid Medicaid when long term care is needed."

If you think you can't afford Long Term Care Insurance, or won't be able to afford Long Term Care when the need arises, give Romeo a call at 920-884-3030.  You can also reach Romeo via email at rraabe@thelongtermcareguy.com, or visit The Long Term Care Guy on the web.

How to be sure you and your family don't lose everything

September 15, 2015

As the saying goes, "It's a tough world out there."

If you didn't wake up tomorrow, would your family be able to pay the bills?

Or, would they struggle to make ends meet, on top of dealing with the grief of losing a family member?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Craig Wiklund, Senior Partner at Wiklund & Bond Financial Services, to share his heartfelt story of how he helped his dear friend and client build a meaningful plan to protect his family and business - just in time.

We can all learn from his example of how to cover our bases; in the case of the unexpected.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

The Importance of Life Insurance

September 8, 2015

Is Owning Life Insurance Worth It?

Did you know: 100 million Americans have no life insurance, and only 40% of those insured have their own individual policy?

In this week's episode of Real Wealth® WeeklyHeather Lindsley, of Woodmen Financial Resources, brings us Marv Feldman, CEO of LifeHappens.org.

As we observe Life Insurance Awareness Month, Marv will discuss the importance of life insurance and the resources made available by Life Happens.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 atcsiminski@equitydesigngroup.com . 

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

 

Life Insurance ~ A Monthly Premium, or An Asset?

September 1, 2015

Do you consider insurance to be an asset, or just another premium you pay each month?

With life insurance, it is truly an asset - as long as your policy is in force, it will contractually pay a death benefit.

What if your need for life insurance isn't there anymore?

What if you can't afford the premiums, but still need some coverage?

In this week's episode of Real Wealth® WeeklyHeather Lindsley, of Woodmen Financial Resources, helps you explore some valuable alternatives to letting your life insurance policy lapse and losing that asset.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How to Make The Most of Your Retirement Savings

August 25, 2015

Are You asking Yourself the Right Questions about Your Retirement Plan?  

Are you asking your Financial Advisor?

How much money should you be saving for retirement?

What’s the difference between a Roth IRA and a 401(k)?

What’s the best option for your financial situation and your tax bracket?

As an employer, what plan should you set up for your team?

In this week's episode of Real Wealth® WeeklyHeather Lindsley, of Woodmen Financial Resources, brings us Jim Silbernagel, CFP®, LUTCF, the originator and host of Real Wealth®, to explore your options for maximizing your retirement contributions.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Buying a House?

August 18, 2015

One of the biggest purchases you will make in your lifetime is your home.

Between the series of financing decisions, piles of legal paperwork, and the process of touring properties, it can be a lot to manage!

Do you have the right professionals on your team?

What needs to happen between making the decision to become a homeowner, and closing on a property?

In this week's episode of Real Wealth® WeeklyHeather Lindsley, of Woodmen Financial Resources, brings us Real Estate Expert Scott Stortz, to consider these and other critical questions to help you find your ideal home.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Financial Solutions for Catholic Families & Businesses

August 13, 2015

Catholic Financial Life, which includes in its family Catholic Family Life Insurance, and the Catholic Knights of America, is a faith-based membership organization.

Catholic Financial Life puts Catholic values in action by Serving God through Serving Others, providing financial security, and by enhancing the quality of life.

One of CFL's principle objectives is to provide solid, Financial Solutions for Catholic Families and Businesses:

Life Insurance

Life insurance offers a safety net of protection to your loved ones should you die prematurely. Catholic Financial Life offers whole life insurance, universal life insurance and term life insurance.

Annuities

An annuity is a product that lets you accumulate money for retirement. Annuities provide tax-deferred growth during the accumulation years, and let you choose from many payout options when you retire and need to use the money. Annuities can generate a guaranteed stream of income for life!

Retirement Plans

The key to taking charge of your retirement planning is to start as soon as possible. Regardless of your age, there is a great deal you can do to ensure your financial security in retirement.

College Savings Plans

Saving for college has to be a part of a comprehensive financial plan for your family. Education costs for your children must be balanced with other important needs such as saving for retirement and shorter term goals. Maintaining adequate life insurance coverage is the foundation to any sound financial plan, and cash value life insurance can be a source for funding college.

Other Insurance Products

Through Catholic Financial Life's affiliated partner, Catholic Brokerage Services Corporation, we offer an array of financial solutions including: disability income insurance, impaired risk life insurance, long-term care insurance, and Medicare supplement insurance.

To Learn More, and For Answers to Your Financial Questions, Contact:

Joseph R. Giganti, Sr.
Advisor, Catholic Financial Life
200 S. Washington St. Suite 300
Green Bay, WI 54301
T 920.569.4606 F 920.432.8997 C 920.370.2200
joe.giganti@catholicfinanciallife.org
www.catholicfinanciallife.org

Are YOU Looking For a New and Exciting Career?

You provide the talent and motivation.
CFL provides training,
opportunities and rewards.

Consider making a change today. Catholic Financial Life offers their advisors high earning potential, flexibility, a great support system, selling tools,
training, excellent benefits...and more.

Interested?

Contact:
Kristin O’Connell CFP®, FIC
Regional Manager
920.432.8824 or 800.242.2430
kristin.oconnell@catholicfinanciallife.org

 

One Thing That Schools are Not Teaching Your Kids

August 11, 2015

How do the tech-savvy millennial generation and the financial industry fit together?

As young consumers, aged 18-35, what should they consider when planning for a bright future?

In this week's episode of Real Wealth® WeeklyHeather Lindsley, of Woodmen Financial Resources, brings us Juli McNeely, President of the National Association of Insurance and Financial Advisors, to discuss the financial tools available to millennials, and how they can plan now to achieve their goals.

Learn what millennials might consider when choosing an advisor, and what resources they can use to empower themselves financially.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Should you Take Early Retirement Plan Distribution?

August 4, 2015

There can be benefits and, well, "non-benefits" to taking early distribution from your retirement plan.

If you take an early distribution from your tax-deferred account, how much will you have remaining after paying income taxes and penalties?

To help you to be properly informed, Sovereign Financial Group offers a Retirement Plan Early Distribution Calculator, that is user friendly, and can accessed by clicking here.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

Check out Soveriegn Financial Group's other Calculators Here

The 529 College Savings Plan

August 4, 2015

A little bit of preplanning can help alleviate debt for students and open up financial options for the whole family.

Can you think of a better gift to offer future generations than education?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us 529 College Savings expert Jeff Roche, to discuss the major advantages of 529 plans, their influence on taxes and student financial aid, and what costs can be covered by this financial tool outside of a classic 4-year degree.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Career Opportunities and Job Placement Tips

July 28, 2015

Are you:

Considering a new Field of Study?

Preparing for a Job Interview?

Looking for Career Advancement?

The employment landscape can seem daunting!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Job Placement Coordinator Tom Sinsky, who advises students on the interview process at South Coast College.

Whether you’re a young adult just joining the workforce, or an established professional,you'll learn about the basic ingredients to success in today's ever-changing job market.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Do you know what is in your own financial "best interest?"

July 14, 2015

The Department of Labor has proposed a new regulation on the financial industry, requiring a three party contract that may bring unexpected consequences to the client.

What do the buzzwords "best interest" mean in legal terms, and how can the consumer become informed about these changes?

In this Special Episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Juli McNeely, President of the National Association of Insurance and Financial Advisors, as she discusses the possible impact of this new regulation on both the financial industry and the average American.

Click here to listen to Listen to this week's program.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

CFL ~ Once Again a "Top Workplace!"

July 8, 2015

On June 15th, 2015, The Milwaukee Journal Sentinel recognized 150 Companies and Organizations as Top Workplaces for 2015. These companies have been recognized as Top Workplaces based solely on surveys about the workplace completed by their employees.

Catholic Financial Life, a not-for-profit financial services organization, is member-focused and committed to putting Catholic values in action by enhancing the quality of life for its members and the communities in which they live. Formed by the 2010 merger of Catholic Knights and Catholic Family Life Insurance, Catholic Financial Life is the largest Catholic fraternal organization in the U.S. providing protection for the entire family through life insurance and annuities. With $5 billion of insurance in force, a 146-year history, and strong financial results, Catholic Financial Life is well-positioned to continue providing financial security and charitable outreach for many years to come.

What CFL employees say:

“I have variety and flexibility.”

“It has warm, caring, family-oriented atmosphere.”

“The hours and pay are good.”

"Working at Catholic Financial Life has reaffirmed for me that the hallowed American dream still exists in some sectors. Catholic Financial Life offers a solid opportunity opportunity in which your consistent effort, dedication, and diligence are well rewarded." Joseph Giganti, Sr., CFL Advisor - Green Bay

Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.

Catholic Financial Life is hiring Advisors Now!  Click Here for Description and Application.

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Trusts, Wills, Powers of Attorney...

July 7, 2015

You may have created a will, but there are a few other critical documents to consider that people often overlook.

How well versed are you as to the advantages of, and differences existing among trusts, wills, and healthcare and financial powers of attorney?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Attorney Rob Melick, who helps us to take a look at the power of putting these documents in place, and the protection they offer to family members -- during health events, and in your legacy.

Click here to listen to Listen to this week's program,

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

"There's no place like home!"

July 1, 2015

As we consider our futures, many people would prefer to stay in their home well into retirement and beyond.

It is essential to have a Long Term Care plan, whether that involves insurance, home remodeling for accessibility, or putting family support in place.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Rob Horkheimer, a practicing physical therapist, accessibility consultant, and national instructor, as he discusses what to consider when putting together the pieces of a Long Term Care plan.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Are You Linked In?

June 24, 2015

Have you checked out LinkedIn?

If not, you need to! As an employee or an employer, this networking site is full of tools for you. You can use it to find a new job, market your business, connect with the right people for prospecting - the possibilities are endless!

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us LinkedIn guru Wayne Breitbarth, who shares some tips on making the most of this powerful website.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

The New Retirement Paradigm

June 16, 2015

In the 1800s, 65 was "old," and the life expectancy was 47years. Today, we are living decades longer.

It might be time to change the way we think about retirement.

What age do you consider to be "old?"

Instead of retiring cold turkey when you turn 65,why not think now about how you want to enjoy your Golden Years?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Kelly Ferrin, Gerontologist, Author and Speaker, to discuss Life Planning; what you're retiring "into," is likely more important as what you're retiring from.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 csiminski@equitydesigngroup.com . 

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

Catholic Financial Life is Hiring Advisors!

June 11, 2015

You are being invited to consider a career with Catholic Financial Life; your partner in success:

Your Earning Potential

With hard work, dedication and a commitment to success, you’ll have unlimited earning potential.

As an Advisor, you’re paid based on sales of new policies and renewals of existing policies.

Meeting your sales goals will impact your income and can result in additional recognition and rewards.

Financial Support in the Beginning

Like any new career, there is a learning curve to becoming a successful Advisor.

As a new Advisor, we will provide you with supplemental income while you learn the skills necessary to excel and grow.

Our competitive compensation package includes a two-year income supplement and enhanced commissions, a personal marketing budget, and a comprehensive benefits package.

Compensation

As you develop your member base you may be eligible for performance-based commission, quarterly incentive bonuses and renewal commissions.


We asked a local, Green Bay CFL Advisor to comment on the Catholic Finanical Life professional opportunity:   

"Working at Catholic Financial Life has reaffirmed for me that the hallowed American dream still exists in some sectors. Catholic Financial Life offers a solid opportunity opportunity in which your consistent effort, dedication, and diligence are well rewarded." Joseph Giganti, Sr., CFL Advisor  

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

MAXIMIZING Social Security

June 10, 2015

Here's an Interesting Fact: Social Security workers legally aren’t allowed to tell you about a benefit you may be eligible for, unless you specifically ask!

Do you know the maximum benefits you’re entitled to with Social Security?

Do you know how much you can expect to receive from Social Security when you retire?

What changes if you’re a surviving spouse?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Robin Mueller, educator and Social Security expert, with advice that can help you receive more from your Social Security benefits.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Estate Planning: What to Do, and What Not to Do!

June 2, 2015

Celebrities have access to the best resources when it comes to financial and estate planning, yet they still make the same mistakes we make!  If you either don’t have a plan, or the plan you have is out of date, things can get messy -- quickly.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Danielle and Andy Mayoras, husband-and-wife legacy expert attorneys who have lent their expertise to hundreds of media sources, including: ABC News, The Wall Street Journal, Forbes, Access Hollywood, and Entertainment Tonight. just to name a few.

You'll want to hear them discuss what the rich and famous are doing right and wrong when it comes to their wills and estate plans, including the stories of Marvin Gaye, Joan Rivers, Robin Williams and Paul Walker.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Did You Know that Catholic Financial Life has a Prayer Network?

May 26, 2015

As a Catholic fraternal organization, Catholic Financial Life believes that the faith is their common bond.

It is central to who Catholic Financial Life is, and to what they do. So, naturally, they draw upon that faith during good times, as well as in difficult times.

Catholic Financial Life offers a Prayer Network, as an added benefit for its members, which includes:

A Prayer of Comfort and Hope (Members First Prayer)

A Prayer Line - with intentions being prayed for at St. Francis de Sales Seminary in Milwaukee, and remembered at Mass in Catholic Financial Life's All Saints Chapel

A Partnership with the Apostleship of Prayer -- to which all posted Prayer Line intentions are also forwarded.

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Communicating with Millennials

May 26, 2015

According to a recent article by Psychology Today, "94% of college students say the top word to describe their life is 'overwhelmed.'" With Google, Facebook, smartphones, and apps, we can get answers instantly, and we're constantly connected.

Is it "too much?"

Is it "not enough?"

With Social Media, there is a lack of depth and authenticity, which makes it difficult for young adults to build meaningful relationships.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Brian Flynn, Counselor and Coach to young adults of the Millennial Generation, who shares with us perspective on what we can do to pass on our values to the new generations, and to strengthen our own connections in a significant way.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

How a 23 Year Old Survives Cancer

May 19, 2015

If you’re earning a paycheck, this week’s podcast is for you.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Camille Snyder, who was a healthy, independent 23-year-old moving her way up in her sales career.

She couldn’t believe the doctors when they told her she had stage four cancer – she was young, healthy, a non-smoker… Cancer didn’t even run in her family!

Six months of savings got her through less than three months of expenses, and she was out of work for two whole years.

You will want to hear Camille tell her story of how she survived cancer both physically and financially.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

“I’ll Do It Later” — Why People Procrastinate

May 13, 2015

One in five adults admits to being a chronic procrastinator. Among college students, the number may be as high as seven in 10, which might explain those all-nighters. In the “real world,” you can’t always cram for finals.

Procrastination can have far-reaching effects on important activities and decisions, such as completing tasks at work, obtaining medical treatment, and saving for retirement. A study of more than 22,000 people suggests that chronic procrastinators tend to have lower salaries and a higher likelihood of unemployment.

Academic research provides some insights into procrastination that may be helpful if you or someone you know has a tendency to put off important tasks:

Repairing Your Mood

Procrastinators often feel anxiety about a task, so they try to make themselves feel better through “mood repair” — by doing something more enjoyable, such as surfing the Web, walking the dog, or making another pot of coffee. If this sounds familiar, you may be able to modify your behavior by doing some of the following.

Imagine your future self 

One study found that people who viewed a digital image of themselves as they might appear in old age would contribute more to their retirement accounts than those who viewed a current image. On a more immediate level, try to imagine how good you might feel when you complete a project compared with the less pleasant feelings you might have if you don’t.

Take the plunge 

Although a big project may seem daunting, getting a start — any start — could reduce the anxiety. Depending on the project, this might be a small first step or jumping in and preparing an outline, rough draft, or initial research, knowing you can polish and improve it later.

Forgive yourself

If you’ve postponed a task, don’t waste time feeling guilty. In most cases, “better late than never” really does apply.

Living in the Present

Procrastinators tend to be “present biased” rather than “time consistent” in their decision making, which means they tend to over-value immediate rewards and delay tasks whose rewards may be in the future. They might intend to take action tomorrow, but when tomorrow comes they postpone the task again, because tomorrow is now the present and they don’t want to act in the present.

This tendency also affects the response to reminders, such as an email that a bill is due or a note that pops up on your calendar. If a reminder is regular and expected, a procrastinator may treat it as another present event to be pushed into the future. On the other hand, unexpected reminders tend to be more effective. It may be difficult to set up random reminders for yourself, but most calendar programs allow you to set up two separate reminders, and the second one might catch your attention. For some bills, you might set up automatic payments.

Whatever you decide to do to control procrastination, here’s one piece of advice: Do it now!

Learn more by checking out Sovereign Financial Group's Newsletters here.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web. Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

 

Free Prescription Medications

May 12, 2015

Have Marketplace Insurance High Deductibles left you wondering how you can afford both health care and the prescription medications you need?

Roughly 100 million Americans qualify for prescription drug assistance – are you one of them?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Don Hansen of FreeRx, to talk about a program that provides low-income Americans with free prescription drugs.

Listen in to find out how to take advantage of this program, and receive your free prescriptions right at home, direct from the manufacturer.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Managing & Reducing Your Biggest Expense

May 6, 2015

Income taxes are most Americans’ biggest expense, and many people overpay

Are there deductions of which you’re not taking advantage, because you’re not aware of them?

Are there deductions you’re not taking, simply because you don’t want to ‘raise a red flag’ for the IRS?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Sandy Botkin, CPA and CEO of the Tax Reduction Institute, to share some of the most overlooked deductions, as well as to discuss the value of using a tax-tracking tool, which can make things much easier if you have to go through an audit, as well as ensures you are not missing out on any important deductions.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Dealing with the Loss of a Spouse

April 30, 2015

The grief of losing a life partner is devastating, and dealing with finances is an added burden – especially if you were never really part of the “money conversation.”

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Kathleen Rehl, a widow herself, who has a passion to share her story with her “widowed sisters.” She’ll share stories and advice on:

How to cope with emotions

How to deal with financial pressures

and How to avoid financial missteps

If you know someone who is widowed, be sure to share Kathleen’s wisdom to help them through this difficult time.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Summer Vacation Idea: Experience U.S. National Parks by Volunteering

April 23, 2015

Did you know that you can get a lot more than good, solid, financial advice from Sovereign Financial Group's Newsletters?

We found out that you can volunteer to help out at one of the parks, monuments, seashores, and battlefields operated by the National Park Service!

The Volunteers-In-Parks (VIP) program relies on millions of volunteer hours to staff campgrounds and visitor centers, maintain trails, and run programs for visitors.

Some parks offer free campsites or modest housing for volunteers who agree to stay and work for the entire season. If you would rather not sign up for many hours of free labor, there are still a few ways to enjoy a relatively inexpensive outdoor vacation.

Check out all of Sovereign Financial Group's Newsletters here.

You can contact Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the webNick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

 

 

2015 Tax Surprises

April 23, 2015

Tax regulations are changing drastically, especially with Obamacare, which is classified as a tax.

Were you surprised by your tax return this year?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us CPA Larry Fortenberry, who has been counseling clients on tax returns and financial planning for several decades.

Larry fills us in on why your return may be different than what you expected, and what steps you can take to reduce your tax liability going forward.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Critical Illness Insurance ~ Coming Soon to the U.S.A.

April 14, 2015

Dr. Marius Barnard is known for 2 things:

Performing the first successful heart transplant, along with his brother, Dr. Christian Barnard.

And, after witnessing the devastating financial impact on his patients, lobbying the insurance industry to create Critical Illness Insurance

Join Real Wealth® this week to learn why this insurance is popular in other countries, and will be soon in the United States.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Budget Problems & Solutions

April 9, 2015

According to USDebtClock.org, as of March 2015, the US National Debt is over $18 trillion.

That comes out to be $154,112 of debt per taxpayer!

Let’s take into account unfunded liabilities, such as Social Security and Medicare – we’re in the red about $811,450/taxpayer!

Is there a plan to turn this around?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Congressman Paul Ryan of Wisconsin, to give his take on what our options are, and why we need to act on this issue now before it gets worse.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Breaking the "Money Silence"

March 31, 2015

How is your relationship with money as a couple?

Even if you love and trust your spouse to 'handle the finances,' not participating in the money conversation puts you in a vulnerable position if something were to happen to them.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Wealth Psychology Expert Kathleen Burns Kingsbury, to share how to break through the 'Money Silence' and have a healthy relationship with your money and your partner.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

New Regulations Bring New IRA Options & Incentives

March 26, 2015

Last July, the Treasury passed some new regulations that give incentive for people to do longevity planning with their retirement dollars.

Do You Know All that you Should Know about these new regulations and incentives?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us one of the nation’s leading income planning experts, Curtis Cloke, to discuss some techniques on how to make your money last as long as you do in retirement.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Catholic Financial Life Reports 50% Increase in 2014 Net Income

March 25, 2015

Catholic Financial Life was recently featured in an article by Paul Gores, which appeared in the Milwaukee Journal Sentinel on March 23rd, 2015:

Catholic Financial Life posted a 50% increase in net income and boosted its surplus in 2014, the Milwaukee-based life insurer and fraternal organization said Monday.

Net income was $10.8 million last year, as Catholic Financial Life benefited from lower expenses, an investment gain and other factors. In 2013, Catholic Financial Life had net income of $7.2 million. Net income, assets of $1.35 billion and insurance in force of more than $5 billion all were records, the organization said.

Lower claims played a part in a nearly $4 million reduction in expenses from 2013, said Bill O'Toole, president and chief executive of Catholic Financial Life. The organization had an investment gain of about $216,000 in 2014, compared with an investment loss of $1.1 million in 2013. The company's surplus, an insurer's cushion against unexpected losses and a measure of its overall financial strength, grew 7% to $45.9 million.

"Last year at this time I said that I was bullish, and our 2014 results affirm that optimism," O'Toole said. Catholic Financial Life said members will see dividends increase by 6% on average. "When the organization does well financially, our members share in that success," O'Toole said.

Last year, the organization's members raised $1 million and members received benefits such as scholarships and summer camp subsidies valued at nearly $500,000, Catholic Financial Life said. Catholic Financial Life was created in 2010 by the merger of Catholic Knights and Catholic Family Life Insurance. Not all arrows pointed up in 2014. Premiums were down about 4%, to $61.6 million from $64.2 million. Membership also slipped, to about 112,000 from 114,000.

O'Toole said 2015 is off to a good start. "We've all had tough years with the economic collapse back in '08 and '09, but we've weathered that storm and now I think we are reaping the benefits of the merger, and it enables us to really move forward and invest in hiring more people," O'Toole said in an interview. "That's our No. 1 goal. We're looking to hire many more advisors so we can continue to grow."

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Huge Opportunities in the Financial Services Industry

March 17, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Professor John Gilliam, who heads up the Financial Services Department at Texas Tech University.

The Financial Services industry has Huge Opportunities for you:

10,000 Baby Boomers are Retiring every day.

Social Security isn’t sustainable.

Healthcare Costs are rising.

Americans need financial guidance now more than ever!

Dr. Gilliam offers you direction on the different career paths available in the industry, and how you can get involved.

Click here to listen to Listen to this week's program

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Sovereign Financial Group Joins the Advisors of Cambridge Investment Research

March 9, 2015

To better fulfill their mission of having been "Created to Serve," Sovereign Financial Group has changed their affiliation to Cambridge Investment Research, Inc., one of the largest privately held independent Broker/Dealers in the country.

This move enables Sovereign to choose from a vast menu of programs, products and services to help their clients reach their financial goals.

Nick Zerillo and Todd Raether will be very happy to answer any of your financial questions.

Nick started his career at AXA Advisors, LLC in 2001 before joining Eagle Strategies, LLC and New York Life. Nick focuses on building customized financial strategies for individuals and businesses, as they prepare for their transition into retirement. He also provides complimentary informational sessions to local churches and charities, to help his community understand the importance of having a financial plan.

Nick achieved his Bachelors degree in communications from the University of Wisconsin Green Bay. He has obtained his FINRA Securities Registrations Series 7 and 66, in addition to Life & Health Insurance licenses. He is also currently pursuing his Chartered Financial Consultant (ChFC) designation.

 

Todd began his career with Prudential in 1991 and joined AXA Advisors, LLC in 2001, before joining Eagle Strategies, LLC and New York Life. Todd's focus is providing customized financial strategies for individuals, businesses, and organizations.

Todd has achieved the Life Underwriter Training Council Fellow (LUTCF) designation from the American College. He also attended the Wharton School, University of Pennsylvania, completing their Retirement Planning Program. He is currently pursuing the Chartered Financial Consultant (ChFC) designation.

For more information, call Sovereign Financial Group in Green Bay at 920-964-4360, in Shawano at 715-524-6627, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web.

Our Country's Debt Problem

March 9, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Former US Comptroller General David Walker, who tells it like it is when it comes to our country's debt problem.

We are facing budget deficits, rising debt, doubtful Medicare and Social Security...

How can this be happening to the richest country in the world?

Click here to listen to David's hope and vision for the future of our country, and how you can help.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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!

Explode Your Revenues With LinkedIn

March 3, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us LinkedIn guru Wayne Breitbarth, who shares some tips on making the most of this powerful website.

As an employee or an employer, this networking site is full of tools for you.

You can use it to find a new job

Market your business

Connect with the right people for prospecting

The possibilities are endless!

Click here to listen to This Week's Podcast.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Focusing on Your Specific Needs

February 26, 2015

It is quite an understatement to say that the Green Bay area is home to many Catholic families. As can be seen from the charitable and philanthropic work of various Catholic organizations and institutions, these families care deeply about putting their values into action.

This is one reason that Catholic Financial Life Advisors are trained to focus on your specific individual financial needs — rather than simply sell a product.

Their representatives can

Bring the latest technology right to your home

Provide you with a free personalized financial needs analysis

They can also help you with important decisions such as:

Planning your retirement

Providing for your family after your death

Leveraging your charitable giving

Saving for your children's college education

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

The April Surprise

February 23, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us health benefits expert, Terry Frett.

Do you know how the Affordable Care Act is going to impact you in 2015?

Are you going to be impacted by the “April Surprise” that could potentially cost many Americans hundreds, if not thousands of dollars?

You'll want to listen carefully, and take notes, while Terry shares the latest news regarding the Affordable Care Act.

Click here to listen to This Week's Podcast.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

A Green Bay News Network Exclusive Offer!

February 18, 2015

Sovereign Financial Group has 3 offices available for rent.

Based upon a 12-month Rental, Sovereign is offering an Exclusive Green Bay News Network Coupon Offer of Free Rent for the First Month!

These accommodations are ideal for independent businesses which compliment the financial services industry, and are looking for professional office space at a reasonable cost.

Additionally, Sovereign has two professionally appointed conference rooms. One of them is smaller, suitable for up to 4 people. The other is a large conference room, with a large conference table, appropriate for up to 10 people. There is also a flat screen display on the wall, and wireless internet access.
The rental terms are flexible, based on the client’s needs.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

Get This Valuable Coupon Here

Interested parties, Please contact:

Nick Zerillo
920-964-4363

Sovereign Financial Group
801 Hoffman Road - Suite 112

Your Auto and Your Home ~ How's Your Coverage?

February 17, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Auto and Homeowners Insurance Expert, Gretchen Evans, discussing the two ways to save on auto and home-owners insurance - Claim Time, and Premium Time.

Are you sure you have the best coverage for you?

Gretchen shares several ways that you can save on your auto and homeowners insurance without compromising your coverage.

Click here to listen to This Week's Podcast.

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

“Riches to Rags” ~ It Happens....and Quickly!

February 10, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Don Chamberlin, Founder and CEO of the financial and tax planning firm The Chamberlin Group, based in St. Louis Missouri, who shares with us the tragic financial losses of such giants as...

“... Cornelius Vanderbilt, Joseph Pulitzer, and August Fruehart, the grandfather of this week’s guest. It seems impossible that these ultra-wealthy families could go broke in just a few generations! No matter how much money you start with, if you don’t understand how it works, you could lose it all...”

Don is a member of the Million Dollar Round Table’s (MDRT) elite Top of the Table. MDRT is the Premier Association of Financial Professionals, where members are recognized for their outstanding professionalism and knowledge in doing what’s best for their clients.

Today, you can learn from his mistakes as a 3rd generation heir to the family fortune.

Click here to listen to This Week's Podcast.

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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.

“OK GOOGLE...”

February 3, 2015

It's become so much a part of our world, that most of us can hardly remember a time when we didn't “Google” whatever it was for which we needed information.

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Google Executive Darren Pleasance, who offers some answers to these questions:

What makes Google the #1 search engine in the world?

How has Google been able to create and innovate exponentially better than other businesses?

How are things like the Fitbit and the Self-Driving Car going to change the world as we know it?

Would You like to learn how to apply Google's principles to your own life, and achieve success?

Click here to listen to This Week's Podcast.

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833

(920) 499-8852

hlindsley@woodmenfinancial.org

woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Premium Office Space with great amenities

February 2, 2015

Sovereign Financial Group, presently has 3 offices available for rent.

These accommodations are ideal for independent businesses which compliment the financial services industry, and are looking for professional office space at a reasonable cost.

Additionally, Sovereign has two professionally appointed conference rooms. One of them is smaller, suitable for up to 4 people. The other is a large conference room, with a large conference table, appropriate for up to 10 people. There is also a flat screen display on the wall, and wireless internet access.

The rental terms are flexible, based on the client’s needs.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

Interested parties, Please contact:

Nick Zerillo
920-964-4363

Sovereign Financial Group

801 Hoffman Road - Suite 112

Calling the Right Play, Before the Game's Over

January 28, 2015

According to a 2013 article by Wyatt Investment Research, more than 78% of NFL stars will file bankruptcy within five years. In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Ken Ruettgers, former NFL offensive lineman for the Green Bay Packers.

Ken founded a non-profit organization called Game’s Over, which helps professional athletes transition into retirement. Ken shares information with us today, that can help each of us to avoid making costly financial mistakes.

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Inspiration Born of Experience

January 22, 2015

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Roger Sweaney, a cancer, epilepsy, and stroke survivor, who wants to help us to avoid what happened to him:

Roger survived three life-threatening medical crises, only to lose a prestigious six-figure-job, house, all financial assets, his children’s college fund and being abandoned by his spouse. Learn from Roger’s experiences, and learn how appropriate insurance coverage can make a world of difference.


Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Looking for a Place with Some Space?

January 21, 2015

Sovereign Financial Group, presently has 3 offices available for rent.

These accommodations are ideal for independent businesses which compliment the financial services industry, and are looking for professional office space at a reasonable cost.

Additionally, Sovereign has two professionally appointed conference rooms. One of them is smaller, suitable for up to 4 people. The other is a large conference room, with a large conference table, appropriate for up to 10 people. There is also a flat screen display on the wall, and wireless internet access.

The rental terms are flexible, based on the client’s needs.

Sovereign Financial Group is conveniently located on the border of Allouez and Bellevue, only a few minutes off the highway. The offices are situated in a recently developed shopping center, with a great restaurant and two fitness facilities. The shopping center is adjacent to the newly repaved East River Trail.

Interested parties, Please contact:

Nick Zerillo
920-964-4363

Sovereign Financial Group

801 Hoffman Road - Suite 112

Something Free From Catholic Financial Life

January 19, 2015

With advice and planning tools for adults of every age and stage, Catholic Family Life's Free eBooks are a set of resources that you won't want to miss.

In Catholic Financial Life's FREE eBook series you'll find great tips for financial wellness for nearly every stage of your life:

Renting vs. Owning
Saving and Investing early
Money and Marriage
Saving for Emergencies
Education
Insurance basics
Investing in your Retirement
Leaving a Legacy

...And, Much More!

View and Download eBooks Here

For Additional Information, and Answers to Your Financial Questions,
Contact:

Kristin O’Connell CFP®, FIC
Regional Manager
920.432.8824 or 800.242.2430
kristin.oconnell@catholicfinanciallife.org

Social Security: A Question of When & How

January 13, 2015

As we consider taking our Social Security Benefits, each of us need to be asking the right questions:

Do I know the maximum benefits I'm entitled to with Social Security?

Do I know how much yI can expect to receive from Social Security when I retire?

What changes if I'm a surviving spouse?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Robin Mueller, an educator and Social Security expert, with advice that can help us receive more from our Social Security benefits.

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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 Stops YOU from Saving for Retirement?

December 30, 2014

Assuming we live long enough, retirement will come, either by choice or by necessity. Are you saving enough so as to be adequately prepared?

You know you should be saving for retirement, but what is it that stops you?

Is it that you feel you don’t make enough money to save?

Is it that the amount you can save is so minimal, it’s not worth it?

After paying for necessities like new clothes and your phone, there’s nothing left?

In this week's episode of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources, brings us Simon Reilly, who coaches financial advisors and business owners, and has a proven track record since 1990 of helping others create more profit in less time.

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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.

Spending Time, or Investing it Wisely?

December 23, 2014

It has been said that many of us spend more time picking out a shirt or a blouse for the day, that we spend on actually preparing for the day.

A similar situation often arises when it comes to health insurance coverage.

How much time do you spend planning a vacation? If you spend about five hours, you’re like most Americans. Do you spend the same amount of time selecting the right health insurance plan? How much time would you spend on it if you knew there was a possibility to save an average of $750?

In this week's Real Wealth® Weekly podcast, Heather Lindsley, of Woodmen Financial Resources, brings us benefits expert, Chad Schneider, who provides us with valuable information about selecting the right health insurance plan.

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org
Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Refer a new Advisor and earn up to $750!

December 18, 2014

Catholic Financial Life is looking for qualified candidates who are seeking a career in which they can put their “Catholic values in action.”
Do you know of someone who is looking for an exciting, new opportunity in 2015?

Perhaps that “someone” is you!

Joining Catholic Financial Life as an advisor is an exciting career opportunity for the right type of person. No doubt about it, ours is a challenging career that requires great dedication and maximum effort. It requires a commitment of time to build a business and the personal drive to make it happen. For the right person, using the products and approach that Catholic Financial Life provides, this can be a highly rewarding career personally, professionally and spiritually.

In either case, you'll want to learn more.

For additional information, Contact:

Kristin O’Connell CFP®, FIC
Regional Manager

200 S. Washington St. Suite 300
Green Bay, WI 54301

920.432.8824 or 800.242.2430

kristin.oconnell@catholicfinanciallife.org

Are You Prepared for the Unexpected?

December 16, 2014

How a 23-Year-Old Survives Cancer Physically and Financially

In this week's Real Wealth® Weekly podcast, Heather Lindsley, of Woodmen Financial Resources, brings us the incredible story of Camille Snyder:

...a healthy, independent 23-year-old moving her way up in her sales career. She couldn’t believe the doctors when they told her she had stage four cancer – she was young, healthy, a non-smoker… Cancer didn’t even run in her family! Six months of savings got her through less than three months of expenses, and she was out of work for two whole years.

This week's show is a “Must Listen,” whether or not you think you're prepared for the unexpected.

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Created to Serve

December 10, 2014

If you've ever watched “It's a Wonderful Life,” or have read Dickens' “Christmas Carol,” then you know that this season is about serving and giving.

While for some, this concept may seem opposed to financial security, it is integral to the way Sovereign Financial Group conducts business.

We were struck by these lines from the homepage of their website:

Who we are...

We believe that we have been called to serve our friends, family, and community. We are committed to you and what is important to you. We strive to give honest and sincere advice and guidance.


What we do...

We feel that we touch people's hearts. The heart of their dreams, the heart of their hopes, and the heart of their goals through personal financial management*.


Why we do this...

We have a genuine desire to help people. We want to make a difference in their lives whether that is by protecting their family financially in the event of an untimely death or accident. It may be helping put a child through college or helping them enjoy the fruits of their lifelong work and retiring by design...not default. We want to be obedient to what we have been called to do, serve others.

For more information, and for answers to your financial questions, call Sovereign Financial Group at 920-964-4360, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web.

Managing the Financial Impact of Alzheimer's

December 9, 2014

Alzheimer's is a type of dementia that causes problems with memory, thinking, and behavior. Symptoms usually develop slowly, and get worse over time, becoming severe enough to interfere with daily tasks.

Did you know that more than 5 million Americans are living with Alzheimer’s Disease?

Every 67 seconds, another American is diagnosed.

Listen to Real Wealth® this week to learn the 10 signs of Alzheimer’s Disease, and what planning tools are available to help families protect their lifestyles and financial security when a healthcare issue like Alzheimer’s arises.

Click here to listen to This Week's Podcast


For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org

woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Main Street Philanthropy

December 2, 2014

When we work to leave a financial legacy to our children, we certainly intend our gift to be one that will be of lasting benefit.

We’ve all heard the classic “rags to riches” tales of the American Dream, but did you know that, according to a recent article by CNN.com, 90% of the time, a family’s fortune is gone by the third generation?

In this week's issue of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources , brings us Ryan Ponsford, a Financial Advisor and Co-Developer of “Main Street Philanthropy;” a program in which young people are taught how to be informed givers.

Sounds like important information for young people of all ages...

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org
woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Do You Have The Vision to Succeed?

November 25, 2014

While each of us would certainly like to succeed, there are questions we need to answer before we can achieve real success:

What does success look like?

How does it make you feel?

What can you contribute to make that happen?

In this week's issue of Real Wealth® Weekly, Heather Lindsley, of Woodmen Financial Resources , brings us Porsche CEO Kevin Gaskell, who shares with us his philosophy on growing from Great to Greater.

Having taken Porsche from the brink of failure to over 500% growth in just four years, Kevin obviously knows something from which we can all benefit.

Click here to listen to This Week's Podcast

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org

woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

“Live Long, and Prosper!”

November 18, 2014

Many of us likely recognize those as the words of Mr. Spock – of Star Trek fame. In that context, the words were a greeting, similar to “Good Morning.”
In today's economy, we might well rephrase them into a question: “If you live long, will you prosper?

Heather Lindsley, of Woodmen Financial Resources, brings us this week's issue of “Real Wealth Weekly,” in which Dr. Greg Salsbury, author of Retirementology, discusses the topic “But What if I Live?

For more information, contact:

Heather Lindsley LUTCF

(920) 499-8833
(920) 499-8852

hlindsley@woodmenfinancial.org

woodmenfinancial.org

Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

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!

Providing Help to People in Need

November 10, 2014

As we approach Thanksgiving and Christmas, our thoughts are naturally drawn to those among us who are in great need.

In the Gospel according to St. Luke, it says:

“You shall love the Lord your God with all your heart, and with all your soul, and with all your strength, and with all your mind; and your neighbor as yourself.” (Luke 10:27)

At Catholic Financial Life, one of the many ways in which this passage is put into action is through their partnership with the Society of St. Vincent de Paul, “a Catholic lay organization, offering person-to-person service to those who are needy and suffering...”

On January 1, 2009, Catholic Financial Life and the Society of St. Vincent de Paul formed a three-year partnership to provide help to people in need. Through the joint agreement, Catholic Financial Life matches up to $500 per year of fundraising by local chapters on behalf of St. Vincent de Paul Society councils or conferences.

Following three years of continued success, Catholic Financial Life's Board of Directors unanimously decided to extend the partnership for an additional three years, beginning in 2012. Since 2009, Catholic Financial Life has provided over $600,000 and more than 83,000 hours of volunteer support --valued at close to $1 million* -- to help St. Vincent de Paul provide services to those in need.

To learn more about Catholic Financial Life, call 800-927-2547, or visit their website.

Introducing “Real Wealth Weekly”

November 5, 2014

Heather Lindsley, of Woodmen Financial Resources, has a great, new podcast service to share with you.

It's called “Real Wealth Weekly,” and features weekly and archived podcasts on a variety of financial topics, including:

Business

Economy

Education

Investments

Insurance

Retirement

Taxes
...And More

Check out “Real Wealth Weekly” today.

For more information, contact:

Heather Lindsley LUTCF
(920) 499-8833
(920) 499-8852
hlindsley@woodmenfinancial.org
woodmenfinancial.org
Woodmen Financial Resources
1234 S. Ridge Road, Green Bay, WI 54304

Financial News You Can Use

November 3, 2014

We witness the volatility of the financial markets every day, from the opening bell through the close of business. In a monetary environment such as this, it's vital to have information you can trust.

Sovereign Financial Group offers you a solution:

Financial newsletters designed to provide helpful information on a wide variety of financial topics.

Will you outlive your retirement income?

Are your financial expectations for the coming year realistic?

Can lower gas and oil prices accelerate the economy?

You Need a Will. What About a Trust?

And, many more helpful articles on a variety of timely subjects.

For more information, and for answers to your financial questions, call Sovereign Financial Group at 920-964-4360, visit their offices at 801 Hoffman Road - Suite 112 in Green Bay, or visit them on the web.

Business Owners and Self-Employment Tax ~ What You Need To Know

October 27, 2014

Among the many details to which an independent business owner must attend are taxes. And, for entrepreneurs, there's more than income tax and payroll tax.

Along with the independence of entrepreneurship comes responsibility and, for many business owners, that means paying self-employment tax (SE tax) in addition to regular tax. You are considered self-employed if you run your business either by yourself or with a partner. SE tax covers both Social Security and Medicare taxes, which wage earners also pay. Their taxes are deducted from their pay, and then matched by their employers, who handle payment to the IRS. Entrepreneurs like yourself are on your own.

...The IRS describes the federal income tax as a “pay-as-you-go” tax, which requires business owners like yourself to plan ahead. If you anticipate owing tax of $1,000 or more, you’ll need to estimate the amount and pay it throughout the tax year, typically in quarterly installments. So, if you are self-employed and do not have income tax withheld, you’ll need to pay estimated tax equal to 90% of your current-year tax liability or 100% of what you paid the previous year. If your AGI on last year’s return was more than $150,000, the percentage requirement increases to the lesser of 110% of last year’s tax or 90% of this year’s tax. Please bear in mind that failure to pay estimated taxes may result in penalties.

Heather Lindsley at Woodmen Financial Resources can help you navigate and understand the various taxes and regulations that may apply to your business.

To Contact Heather, Call 920-499-8833.

You may also contact Heath via emai at Heather L. Lindsley, LUTCF

Read More About Self-Employment Taxes

Real World Solutions to Real World Needs

October 20, 2014

No matter how we spend our weekends and vacations, each of us has “real world needs” to consider. In today's challenging economic environment, those considerations are all the more important. As we consider these needs, there are some questions we need to ask:

What are my goals?

Where would I like to be in 10 to 20 years?

What financial resources do I already have in place?

Sovereign Financial Group is ready to help you address those questions!

“Together we'll prioritize your goals and turn them into clear, measurable objectives.
That way you can see how even the biggest challenges-like paying off your mortgage or retiring early-can be accomplished.
Next, we'll identify some insurance and financial products to help you meet your goals and needs.”

The trusted professionals at Sovereign Financial Group offer a wide array of financial products and services, including:

Life Insurance

Long-Term Care Insurance

Retirement Income

Investments

...And More

Contact the Sovereign Financial Group by phone:

Green Bay: 920-964-4360
Shawano: 715-524-6627

Or visit them on the web today

Catholic Values in Action

October 16, 2014

Catholic Financial Life, which includes in its family Catholic Family Life Insurance, and the Catholic Knights of America, is a faith-based membership organization. Catholic Financial Life puts Catholic values in action by Serving God through Serving Others, providing financial security, and by enhancing the quality of life.

Catholic Financial Life has an active volunteer network that reaches out to help their parishes, schools, and individuals in need. In 2013, Catholic Financial Life and its members supported these various causes by providing nearly $1.5 million of funding. The Society and its local chapters and chapters also sponsor a number of social, family-friendly, and faith-related activities. Most are offered free-of-charge or at a nominal fee to members and their guests.
Please click here to learn how you become a member of Catholic Financial Life.

As a member has said, insurance from Catholic Financial Life offers “more than a business relationship,” it offers “a gift of love.”

Do You Know Your A-B-Cs...and Ds of Medicare?

October 10, 2014

An important time of the year, “Open Enrollment,” begins on October 15th. During this time, Medicare participants have the opportunity to make choices and changes in their Medicare coverage and plans.

Are you looking for a lower premium?

Do you need prescription drug coverage?

Have your healthcare needs changed?

Heather Lindsley, a Registered Representative of Woodmen Financial Resources, reminds us:

Open enrollment period is the time to determine whether your current plan will cover your treatment, and what your potential out-of-pocket costs may be. If your current plan doesn't meet your health-care needs or fit within your budget, you can switch to a plan that may work better for you.

Determining what coverage you have now and comparing it to other Medicare plans can be confusing and complicated.

For assistance with Open Enrollment, and any of your other financial questions, you may contact Heather by calling 920-499-8833 x111, or (Cell) 920-609-7844, or via email at: hlindsley@woodmenfinancial.org

Why I Purchased Life Insurance at the age of 23

September 16, 2014

Mine began recently with a bunch of firsts: my first job; my first apartment; my first life insurance policy. I am now a 23-year-old single individual, with no dependents, with some disposable income — and a life insurance policyowner.

The conversation began at work. I asked Bill, a colleague, about his retirement future and how he intends to plan for it. He rattled off the usual, in no certain order:  CLICK HERE TO READ MORE .   When your finished reading, call Sovereign Financial for more information at 920-964-4360.

How much life insurance do you need?

September 8, 2014

Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage, and your goals. 

 
 

Catholic Financial is Hiring Financial Advisors in Green Bay

September 8, 2014

Catholics have trusted Catholic Financial Life to safeguard their financial security for more than 146 years. With $4.9 billion of insurance in force, and assets of $1.32 billion, Catholic Financial Life is the second largest Catholic not-for-profit financial services organization in the United States. Being a membership organization, we put your interests first. You’ll see it in the personal conversations we’ll have as we help you protect your dreams. You’ll feel it, knowing you’re an important part of our family. You’ll be proud to be a part of an organization that puts Catholic values into action by enriching your life, while serving God by serving others.

As a membership organization, we give back to our members, along with their communities while supporting local parishes, schools, and Catholic causes. It’s life insurance the way it’s meant to be.

Catholic Financial Life is in the business of safeguarding the financial security of our members. Because we’re a community-based not-for-profit financial services provider, we have a “Main Street” not “Wall Street” approach. As an advisor with Catholic Financial Life, you have the opportunity to live your faith while building a great career. We give you the unique ability to serve a market with endless opportunities.

Click Here to  view a video message from our President and CEO, William O'Toole, Jr.

If you are looking to get more out of your career as a financial advisor, please begin the process by taking a brief Online Interview.

We look forward to hearing from you.

The 2014 Social Security Trustees Report: What Does the Future Hold?

August 7, 2014

Every year, the Trustees of the Social Security Trust Funds release a report to Congress on the current financial condition and projected financial outlook of the program. This year's report, released on July 28, contains valuable information about the health of Social Security that may help you understand how your Social Security benefits might be affected. 

The Small Business Owner's Retirement Dilemma

July 21, 2014

You’ve poured a lifetime of sweat, time, and capital into building your business. You’ve begun thinking about retirement, and your strategy is to sell your company for a good price, settle back, and enjoy a financially secure retirement. But, like many business owners, you’ve made the mistake of assuming this scenario will happen, and you haven’t bothered to make any other retirement plans.

You need to be realistic.

What are the odds of a person showing up at the right time with cash in hand to buy the company for a fair price? For thousands of small business owners each year, no one steps forward. Perhaps the business is too specialized or is tied too closely to the owner’s unique personality and skills. Or maybe possible buyers equate retirement sale with a distress sale and make only low-ball offers. Whatever the reason, many owners find that their company has suddenly become a white elephant that nobody wants. 

Select and develop a successor.

That’s why it’s so important to prime a replacement—someone who will buy your company when you’re ready to retire. Maybe this is a current co-owner (but be careful if he or she is about the same age as you, and planning to retire around the same time.) Or it’s your son or daughter active in the business, or a younger key employee. 

Business owners who successfully groom their own replacements leave nothing to chance. They realize that there’s no room for error at the point of retirement. 

Here are some steps you should take: 

Be cautious. Make sure your heir apparent is the right person in terms of temperament, personality, competence, and personal goals.

Set up a probation period so you can terminate the relationship if you find that this person will not work out. During that period, keep everything informal, strictly verbal. Even when you go to a formal agreement, make sure it contains a termination provision.

Offer incentives to ensure that your replacement stays until the baton is passed. An ambitious successor needs and deserves gradually increasing authority and benefits. Options include deferred compensation or the opportunity to acquire partial ownership prior to your retirement. This provides both parties with something to win by sticking to the agreement, and something to lose if it falls apart.

Create a buy-sell agreement. With the help of your attorney, lock in who does and gets what, spelling out all details and caveats, including how to establish the final valuation of the business. This formal agreement protects everybody.

Build in a funding mechanism. This is crucial. No matter how good the terms of the buy/sell agreement, it will be worthless if the money is not there when needed to carry out the plan. Under one option, the successor may be able to purchase the company from ongoing profits. Other options include setting up a sinking fund or allowing the successor to simply borrow the money. These options may work but they leave much to chance. Instead, consider a funding vehicle that protects your family in the event of your disability or premature death, such as life and disability income insurance.* 

Have a Plan B. As a business owner, you know that very few things go exactly as planned. What if your business hits tough times or your successor dies, becomes disabled, or leaves because of a personality conflict? Or what if there simply is no heir apparent waiting in the wings? Sometimes, it’s simply best to dismantle the business. 

Whether or not you have a possible successor for your company, you should begin mapping out your retirement strategy today. Your insurance professional or your independent professional advisors can work with you to help you develop a sound business strategy. 

This educational third-party article is provided as a courtesy by Nicholas Zerillo, Robert Reis, and Todd Raether, Agents, Sovereign Financial Group & New York Life Insurance Company. To learn more about the information or topics discussed, please contact Sovereign Financial Group at 920-964-4360 orwww.sovereignfinancial.org 

*Products available through one or more carriers not affiliated with New York Life; dependent on carrier authorization and product availability in your state or locality.

Sovereign Financial Joins the Network!

July 20, 2014

Sovereign Financial has joined the GB News Network!

At Sovereign Financial,

They believe that they have been called to serve their friends, family, and community. They are committed to you and what is important to you. They strive to give honest and sincere advice and guidance.

They feel that we touch people's hearts. The heart of their dreams, the heart of their hopes, and the heart of their goals through personal financial management.

Welcome to the GB News Network, Sovereign Financial, and thank you for all you do for our community!

Catholic Life Financial Joins the Network

July 20, 2014

Kristin O'Connell, with the North Eastern Wisconsin Agency (Green Bay Agency) of Catholic Life Financial has joined the GB News Network!

As an advisor for Catholic Financial Life she offers various services: retirement income, estate planning, wealth maximization, mortgage protection, family protection, charitable giving, and business continuation. She has earned Certified Financial Planner (CFP) and Fraternal Insurance Counselor designations and is a great resource for all your financial and insurance needs.

Welcome to the network, Catholic Financial Life, and thank you for all you do for our community!

Woodmen Financial Joins The Network

July 11, 2014

Heather Lindsley with Woodmen Financial Resources has joined the GB News Network!

She specializes in the area of life insurance analysis as well as medicare, long term care, and retirement income. She brings a great perspective in understanding a client's financial situation and is respected in the local financial professional community. Heather has been in the financial services industry for more than 10 years. She has earned the Life Underwriters Training Council (LUTCF) designation. She also holds a Series 6 and 63 securities registration and is a Registered Representative of Woodbury Financial Services, Inc.

Woodmen Financial Resources is a full service financial services firm based in Green Bay, Wisconsin. We assist clients throughout the U.S. who want objectivity without any product/sales influence.
Our highest priority is to create value and financial confidence for our clients by offering the following comprehensive services:

  •   Portfolio analysis

  •   Asset Allocation design

  •   Investment management

  •   Insurance Planning

  •   Estate planning

  •   Retirement planning

  •   College funding strategies

We recognize that our clients lead active and complex lives. They understand that managing their investments is more complicated and time-consuming than ever before. They acknowledge that working with specialized investment professionals can provide them with a level of confidence.

Currently you are able to access a term life insurance quoting tool that allows you to shop the level of coverage you are interested in with the companies that you would like to do business with. All premiums from Preferred Plus to Sandard along the same row. No longer will you be shown only one premium, only to find out later you qualified for a higher premium. The specific underwriting guideline chart for each insurance company is available for you to review. This allows you to match the lowest premium that fits your profile based on the underwriting criteria used by the insurance company.

Once you decide on the insurance company, product, and amount you can apply online or contact Heather for help in completing the application. No matter what your needs are, we welcome the opportunity to serve you.

Welcome to the network, Woodmen Financial Resources, and thank you for all you do for our community!