Four Points Financial, Available through SPF*
Welcome to Four Points Financial! Our mission is to get to know our clients, to help determine their financial goals, and provide innovative guidance and direction in reaching them. Whether just starting out, or looking to rollover a 401(k), we are here to plan for your future. At Four Points Financial, available through SPF*, we help clients reach their financial goals through, retirement planning, education planning, estate planning. We use stocks, bonds, mutual funds, annuities, and CD's to help clients build a diversified portfolio designed to meet their unique needs. In addition to investments, we help transfer risk by offering life insurance, disability insurance, and long term care insurance. Our vision is to lead the way by helping turn all of our clients' dreams into reality. Contact us to begin our journey together, fourpoints@mybd.com or 319-758-6164. |
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Michael Schwenker, CLU, ChFC® |
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Newsletters
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All Eyes on the Earnings Picture
Earnings season can be a volatile period for stocks. As investors digest and respond to new data, the marketplace rewards some companies and punishes others.
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Tax-Loss Harvesting Offers Chance at Silver Lining
Stock market downturns can be rough on a portfolio’s bottom line, but selling losing investments may offer the potential to reduce an investor’s tax liability.
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Will You Work Beyond Traditional Retirement Age?
Does your income strategy beyond traditional retirement age include receiving a paycheck? This article looks at the advantages and disadvantages of working later in life.
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Municipal Bonds: A Tax-Advantaged Way to Put Capital to Work
Muni bonds and tax-exempt funds have long been a mainstay in the portfolios of income-focused investors who want to manage their tax burdens.
Calculators
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Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.
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Retirement Portfolio Lifespan
How Long Will Your Funds Last?
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Savings Goals
How much do you need to save each year to meet your long-term financial goals?
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Net Worth
A balance sheet summarizes your assets and liabilities and reveals your net worth.