Dan Hummert, CFP^®, CRPC^®
Hummert Financial

Financial Services

We meticulously conduct a due diligence search on a regular basis to explore the investment management landscape, seeking qualified managers. Our focus is on those with a robust investment process, solid organizational structure, and proven performance track record. Our goal is to deliver superior risk-adjusted returns over time, based on your risk tolerance, objectives, and time horizon.

As a CFP professional, retirement planning is a critical topic that demands careful consideration, including technical expertise, tax efficiency, income generation, risk management, and asset location strategies, among others. Each individual's retirement journey is unique and professional guidance can make a significant difference in achieving financial security during this important phase of life.

Whether you have changed jobs or recently retired, there are many important factors to consider when choosing to roll over your 401(k). These include investment options, costs, control and flexibility, and access to investment advice. If immediate access to funds are needed, various options can be explored to minimize tax consequences.

Wealth management involves making informed decisions about your assets and encompasses various financial matters including financial investments, tax and estate considerations, charitable giving, among others. We work closely with you to uncover your goals and objectives so that we can facilitate the financial advice for you.

One of most important components of personal finance is money management, and it involves the strategic handling of your financial resources to achieve your specific goals. As stewards of capital, we help you assess your current financial situation honestly.

Mitigating risk plays an important role in wealth management and it is important to have an accurate assessment of your current strategy. Whether we need to protect assets using insurance products or trusts, all options will be explored and discussed. Remember, risk management is not about growth; it's about safeguarding what you've work hard for and to protect your loved ones from an unforeseen event.

There are many factors to consider when planning for education funding. An evaluation of your child's educational goals and anticipated expenses is foremost, followed by the types of institutions and projected costs. we will explore funding options, including 529 College Savings Plans, Coverdell Education Saving Accounts (ESA), and UGMA/UTMA accounts for the right strategy that suits your education saving goals.

We are CERTIFIED FINANCIAL PLANNER^™ Professionals and process is simple, including discovery, plan creation, implementation, and ongoing management. You can expect personal, and frequent communication on an ongoing basis as we update you on progress and help you to feel comfortable and secure in your financial future.

We offer customized wealth management solutions aligned with your financial goals. More importantly, we choose investments that are appropriate, not only for your risk tolerance, but also your level of comfortability, your level of investment experience and understanding.

Your estate plan and critical planning documents (Trust documents and amendments, POAs, Wills, etc.) are an important part of your wealth management plan. We work with your estate planning attorney to help you achieve your financial and legacy goals.

A comprehensive evaluation of a client's investment objectives, tolerance towards market risk, and income needs are just a few of the components considered when evaluating whether an annuity (an insurance product) is an appropriate vehicle to use. Annuities are not for everyone and they can be complex and therefore overwhelming to the average investor. When they are suitable and appropriate for a client, they can offer protection against longevity and market risk.

We utilize tax planning software to help identify opportunities to reduce a client's tax liability and or mitigate unnecessary taxes before and after retirement.

Planning for and mitigating risks is an important role of the planning professional, and we evaluate products including life insurance (whole, universal, term), long-term care, disability, as part of the wholistic financial planning process. Rest assured we have the expertise to evaluate existing in-force illustrations to review and make recommendations in your best interest.