Hammortree Financial Services

It starts with a handshake, a cup of coffee, along with a little discussion about your goals and dreams and how we might serve you in your journey. Then something extraordinary begins to happen. Our associates quickly identify how and if we can enhance your financial services experience. Even at this first meeting we'll open doors to new and undiscovered opportunities. We leave the next step… action… up to you. We are here for one reason, to serve you better by helping you make smart decisions about your money.

Together we will build a future that you can count on. Let us introduce you to some extraordinary and wonderful possibilities.

Call us at 815-788-7420 or visit our website at www.hammortreefinancial.com.

Please watch our 9 minute video located on our "Special Needs Resources" page.
Calculators

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

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Newsletters

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Earning Income from Mutual Funds

More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement. Although mutual funds are often thought of as a tool to build savings, they can also be used to generate income. This article examines the potential income benefits of bond funds, equity or stock income funds, and hybrid funds.

Doing Your Heirs a Favor

Although a will and a trust specify disposition of assets, many other details of an individual’s final wishes might be explained in a letter of instructions. This article offers some topics to consider addressing in the letter to help loved ones make decisions and take care of final arrangements.

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