Randy Eschels photo
Garett Eschels photo

 

Randy Eschels, CLU, ChFC, CFP®

 

Garett Eschels

 

 

Eschels Financial Group, Inc.

555 S Old Woodward Avenue, Suite 612

Birmingham, MI 48009

 

Phone:  248-644-1144

             800-969-9990

Fax:      248-644-7820

 

randy@eschelsfinancial.net

garett@eschelsfinancial.net

www.efg-ida.com

January/February 2022

Risk and Volatility: Know the Difference

You may think of volatility and risk as interchangeable terms, but they’re not. Picture volatility as a two-way thoroughfare. Just as a car on that road can go in either direction, the price of an investment can go up or down over time.

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Your Retirement Countdown

You’ve saved for this day since you started working. Now, your retirement is around the corner. If you expect to leave the workforce in the next five years or so, planning will make for a smooth transition.

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Insurance Front: Are You Covered?

Having adequate insurance coverage to protect yourself and your family from financial loss should be part of a comprehensive financial plan. Five types of insurance that everyone should consider are described below.

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How to Stop Living Paycheck to Paycheck

If it seems your money is spent soon after you get your paycheck, it's probably time to make some changes. Controlling spending may be hard, but it's not impossible. Here are some ideas to help you get started.

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Invest with Taxes in Mind

There’s no getting around it: At some point, you’ll pay taxes on your investment earnings. While taxes alone should never drive your investment decisions, minimizing their impact is worthwhile.

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Natural Disasters: Are You Covered?

Hurricanes, wildfires, catastrophic flooding - if your home or business were affected by a natural disaster, would your current insurance cover the damage? You might be surprised to learn that a typical homeowners or business insurance policy generally does not cover flood damage. For that, you'll need flood insurance.

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Why Use an Irrevocable Life Insurance Trust?

All life insurance policy proceeds are paid income-tax free and can provide immediate cash to pay final expenses and income for survivors. So why would you consider an irrevocable life insurance trust (ILIT)?

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How Much Should You Save?

Determining how much you need to save is different for everyone, but here are a few general guidelines that apply to most people.

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Lagging in Retirement Savings?

When it comes to saving for retirement, Gen Xers - born roughly between 1965-1980 - seem to be significantly behind their parents, despite making more money than their parents did at the same age. While the lack of retirement savings is cause for concern, there's a bright spot. With several more years before they begin to retire, Gen Xers still have some time to save for their future.

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When Spouses Are Co-owners

Spouses who own a business together know the challenges of mixing their personal and professional lives. But what happens if the time comes when one partner wants something different? Here are a few options to consider when divorce, the desire to pursue a different occupation, or loss of interest in the business affects your business partnership.

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Protect Yourself with Business Insurance

Running a small business can be challenging enough without worrying about unexpected events that threaten your company and your livelihood. That’s where business insurance can help. Business insurance protects both your personal and business assets from catastrophic events, such as a fire, or from liability due to bodily injury, property damage or product defects.

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Post-disaster Tax Filing

Although taxes may be the last thing on your mind after a disaster, filing a tax return may help you recoup some of your losses. But reconstructing documents can be challenging.

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Majority of Americans Live Paycheck to Paycheck

According to the research, 54 percent of consumers in the US (125 million adults) are living paycheck to paycheck and 70% have less than $15,000 saved for emergencies.

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Securities offered through Concourse Financial Group Securities, Inc. (CFGS), Member FINRA/SIPC. Advisory services offered through Concourse Financial Group Advisors, a DBA for CFGS, a Registered Investment Advisor. Eschels Financial Group, Inc. is independent of CFGS.
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