Herkert & Associates

Area Retirement Planning and Investment Resource Center Focus Distribution Planning

Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc., Member FINRA, SIPC, and Registered Investment Adviser, PO Box 64284, St. Paul, MN 55164 (800) 800-2638. Herkert & Associates, Inc. and Woodbury Financial Services, Inc. are not affiliated entites.

Educational Approach

Herkert & Associates, Inc. builds relationships on a simple, straight forward educational approach.  Offering retirement planning workshops and courses since 1989, Herkert & Associates, Inc. has helped to educate thousands of individuals. Joe teaches this course at the University of Wisconsin in West Bend, Wisconsin. He also teaches the class at Western Washington University in Bellingham, Washington.  The nationally accredited courses are taught by financial professionals, strategists and attorneys who carefully present both basic and advanced financial information, options and strategies.

We have built relationships with Estate Planning Attorneys in both Wisconsin and Washington. We often find this is an area our clients need to address for their Estate Planning Needs.

"Joe" has enjoyed working in the financial industry since 1969, founding Herkert & Associates, Inc. in 1985.  Joe has served as President of the Wisconsin Association of Insurance and Financial Advisors and is a founding leader of the Foundation for Insurance and Financial Education. 

An active member of his community, church and associations, Joe contributes time and effort to many charitable organizations. Establishing "Joe's Clothes" which provides about 600 sleeping bags to the homeless annually.
 

Joe's  Two Son's  Christopher  and Patrick  are both envolved in our practice Cedarburg and our Bellingham  Location..
Calculators

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Savings Goals

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

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

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Newsletters

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

Rethinking the Role of Household Debt

Many people aspire to pay off their home mortgages before retirement, but the housing situation and a weak economy have taken a toll on the finances of many older Americans. There are some compelling reasons why pre-retirees might want to consider maximizing their retirement plan contributions and avoid carrying large amounts of debt into retirement.

Keeping Pace with Social Security

In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future.

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