At Schramm Financial Group, we work together with our clients to understand their total financial picture. Once we have a detailed understanding of what our clients want to achieve, we construct a financial plan to help them pursue these goals. After we have developed our strategy, our next step is to implement the plan and continue to monitor our results.
We also believe that a team approach is best suited to help our clients work toward financial success. With over 20 years of experience, we focus on not only finding investment strategies to fit our client’s needs but also making sure that we give the highest level of service to our clients. We believe that our website is one way to continue to educate our clients with the most up to date financial information that may impact their financial future.
Six Most Overlooked Tax Deductions
Six overlooked tax deductions to help manage your tax bill.
The Cost of Procrastination
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Disability and Your Finances
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Apps that help small business owners better manage and grow their business.
Understanding how a stock works is key to understanding your investments.
Is your estate in order? This short quiz may help you assess your overall strategy.
The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.
The S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.
Estimate how long your retirement savings may last using various monthly cash flow rates.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
This calculator can help determine whether it makes sense to refinance your mortgage.
Use this calculator to estimate your capital gains tax.
Estimate how much of your Social Security benefit may be considered taxable.
This calculator can help you estimate how much you may need to save for retirement.
How federal estate taxes work, plus estate management documents and tactics.
The chances of needing long-term care, its cost, and strategies for covering that cost.
The importance of life insurance, how it works, and how much coverage you need.
Principles that can help create a portfolio designed to pursue investment goals.
Learn more about taxes, tax-favored investing, and tax strategies.
A presentation about managing money: using it, saving it, and even getting credit.
A bucket plan can help you be better prepared for a comfortable retirement.
Do you have causes that you want to support with donations? Here are three tips.
How do the markets usually react to elections? Was the 2016 election any different?
Understanding the cycle of investing may help you avoid easy pitfalls.
It’s never a bad time to speak with your financial advisor about changes in your situation.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.