Sovereign financial group

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...

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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!

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!

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...

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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!

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...

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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!

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!

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!

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...

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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!

 

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...

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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 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!

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...

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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!

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!

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!

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!

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!

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...

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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 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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

 

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!

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!

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!

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!

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!

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!

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!

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!

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!

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!

 

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!

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!

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!

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.

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.

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.

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 [email protected].  Be sure to let Nick know that the Green Bay News Network sent You!

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 [email protected].

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

“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.

 

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.

 

 

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.

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

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

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

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.

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.

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

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.

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!