J. Poels Financial

Precision Thinking for Retirement

Welcome to J. Poels Financial Online!

We appreciate your interest in our firm's services.

Finding an investment advisory and financial planning firm that will meet your current and future needs is extremely important. Every year there seems to be more organizations offering these services, and it is often difficult to tell the difference between them, at least on the surface.

In reality, there are many differences, especially when it comes to the integrity and quality of rendered advice. Our firm maintains its independent status for one primary reason - we believe it is the only way to consistently deliver high quality, unbiased advice.

We invite you to review our professional services presented on our web site which includes our current complimentary offers. In addition, we have included a few sample illustrations to provide viewers with a general idea on how our services can add value. 

If you would like to receive additional information, for no cost or obligation, please contact us at (888) 878-5757 or visit the "Contact Us" section on our site.

Again, thank you for your initial interest.

John P. Poels, ChFC, AAMS

 

       Sample Financial Plan                                    Sample Asset Allocation

    Click Here                                  Click Here

  

      

Important Consumer Information:
1) A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a particular state after licensure or satisfying qualification requirements of that state, or only if they are excluded or exempted from the state`s broker-dealer, investment advisor, BD agent, or IA representative requirements, as the case may be.
2) Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment advisor, BD agent, or IA representative that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state`s broker-dealer, investment advisor, BD agent, or IA representative requirements, or pursuant to an applicable state exemption or exclusion.
3) For information concerning the licensure status or disciplinary history or a broker-dealer, investment advisor, BD agent, or IA representative, a consumer should contact his or her state securities administrator.
4) Cambridge Investment Research Advisors, Inc. is registered with the SEC as an investment advisor in accordance with the Investment Advisers Act of 1940. The information presented herein is for informational purposes only and does not constitute a solicitation or an offer to sell securities or investment advisory services. To obtain a copy of Cambridge Investment Research Advisors, Inc. Form ADV please contact us.
Calculators

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

More Calculators →

Newsletters

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Dispelling Umbrella Insurance Myths

Many people may think their chances of being hit with a multimillion-dollar lawsuit are fairly slim. Besides, wouldn't the liability coverage on their homeowners and auto insurance policies be enough to protect them against a claim or a lawsuit? Unfortunately, there are misconceptions about umbrella liability insurance that could cause someone to be underinsured.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

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