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.

Savings Goals

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

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Impact of Inflation

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

Savings Accumulation

Estimate the future value of your current savings.

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Making Money Market Funds Work for You

Some investors turn to money market funds when they are concerned about market volatility. Although money market funds may carry less risk than stocks, investing in them as a reaction to market volatility also carries the risk of missing out on potential gains when the market begins to recover.

ETFs for the Conservative Investor

The number of exchange-traded funds has grown rapidly in the last decade. Total ETF assets exceeded $1 trillion in March 2011, an increase of more than $200 million over the previous year. This article explains the potential benefits of ETFs and why some of them might appeal to the risk-averse.

Giving the Gift of Knowledge

A college education is still a good investment. Consider this statistic: The overall unemployment rate reached as high as 9.9% in 2010, but for workers with a bachelor's degree or higher, it did not exceed 5.1%. But a college education can be expensive. There is a tax-advantaged way to accumulate money for a child's or grandchild's education: a Section 529 plan.

Why Realistic Expectations May Be Great

Although positive thinking can be powerful, there's a fine line between optimism and unrealistic expectations. There are possible pitfalls when overestimating how a portfolio will perform.

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