download
results

Results

Our purpose at Kammeraad Financial Group is simple, yet profound. We empower you to be an excellent financial steward through an intentional and comprehensive approach. We help equip you with a financial strategy to wisely manage the resources that have been entrusted to your care. Then we walk along side you as you take steps to reach your personal or business goals.

Personal

  • Budgeting
    • I didn't realize the extreme importance of a budget until my family committed to doing one ourselves. I'm convinced it's the key to your financial success.
  • Get out of Debt
    • Imagine a life without debt… how much extra cash flow you'd have without payments. I've done it and can show you how you can do it too.
  • Life Insurance
    • I've had a dozen or more death claims in the past few years. Life insurance is important and you need to make sure your family is protected.
  • Estate Planning
    • Do you want to leave the guardianship of your children and your financial affairs up to a probate judge? We connect you with an attorney to make sure your wishes are carried out the way you want when you pass away.
  • Disability Income Protection
    • Ever wondered what would happen if your paycheck stopped due to a sickness or injury? Did you know that most employer sponsored plans typically only pay out 60% minus taxes, which is maybe 50%. Is this enough for you to live on?
  • Long Term Care
    • This type of care can cause a financial hardship for families. We will strive to keep you well informed and protected in this important area.
  • Auto/Home/Umbrella Coverage
    • I rode past an accident when a friend of mine's wife was killed. It really troubled me for quite some time. I met with my agent that I had at the time, and found I was grossly underinsured. I also found for a few extra dollars a year, I could have the coverage I needed.
  • Identity Theft
    • A police officer client of mine said that this is the fastest growing crime in our community and it's important to make sure you are protected.
  • Mortgage
    • How much can you save on your mortgage payment? Rates have been very good and the lower the rate, the more money you will have to place in other areas of your plan.
  • Bank Interest
    • When is the last time your bank called you proactively about increasing your low interest rate? There are some better yielding accounts out there but you need to be an advocate for yourself.
  • Your Investment Accounts
    • We work with you to help you understand what you currently have, analyze your investments, and make recommendations based on your objectives that help you to achieve your goals.
  • Emergency Fund
    • Remember the old 3-6 month in expenses in an emergency fund adage? It's a good financial principle and an important safety net.
  • Retirement
    • We help you develop and monitor a strategy to accomplish your retirement goals.
  • College
    • With all the different choices out there we help you sift through the different alternatives and develop a strategy to help fund your kids through school.

Business

  • Buy/Sell Insurance
    • What happens to your business when one of the owner's die or become disabled? Without a strategy and some funding it could put your business in jeopardy.



  • Disability Income Insurance
    • Most of the business' cash flow is going to cover overhead, salaries, marketing, etc. Imagine one of the owners or key employee's get disabled. How will the business pay your income and cover the extra manpower now needed to keep things going?
  • Health Insurance
    • We have resources to help you navigate you through this increasingly complex and expensive area.
  • Retirement Planning
    • We can help decide what plan is appropriate for you and what investment options are appropriate to help you achieve your goals.