More than values, these principles serve as the bedrock for our services — because with confidence, discipline and patience, you’re able to not only provide for yourself, your family and your future, but you’re also able to go beyond simply maintaining a budget.
How We Help
Learn
We’ll work closely with you to understand your goals, values, current financial status, income needs and the future you imagine for yourself.
Plan
We’ll develop a plan that will be reviewed with you, outlining recommended solutions and strategies to consider.
Implement
We will select the tools and resources needed to implement your strategy and we’ll review the progress of your plan as life changes.
It is very easy to get overwhelmed at this time. We're here to help make sure you are saving efficiently, protecting your income and building a strong future for your family. Your career is taking off, you recently got married or you're even beginning to start your own family. Because it’s easy to get overwhelmed during this time, we’ll be here to make sure you’re saving efficiently, protecting your income and building a strong future for your family.
Outline your short- and long-term objectives.
Create an easy-to-follow budgeting plan for each month.
Review your employee retirement benefits.
Explore investment opportunities.
Build a tax minimization strategy with a focus on after-tax dollars.
Whether you’re going through a divorce, changing jobs, getting married or having a child, we’re experts in navigating a variety of life transitions. From unexpected illness to untimely death, we’ll guide you through the steps necessary to secure your finances so you remain on track with reaching your goals.
Review retirement options and employee benefits.
Create an income stream.
Evaluate your accounts, insurance policies and estate.
At this point in your life, you’re ready to enjoy the fruits of your labor to the fullest extent. With retirement quickly approaching, we’ll help make sure you’re making the most out of your Social Security, pension, earnings and savings through the years while providing a clear roadmap for your spending moving forward.
Establish objectives for your retirement.
Determine the amount of income necessary to maintain your lifestyle.
Review Social Security and pension while maximizing every dollar.
Implement insurance strategies to protect your estate.
From a new investment strategy to a solidified retirement plan, our team is well-versed in the nuances of financial planning. With our insight, tools and resources, we strive to provide you with everything you need to apply our recommendations throughout your day-to-day life.
Our Core Services
Financial Planning
Financial Planning
A roadmap for your future, your financial plan is a living, breathing document that we will periodically amend and adjust according to any changes that happen in your life. Dedicated to a comprehensive planning approach, we’ll deliver recommendations based on your specific needs, dreams and fears so you achieve peace of mind and clarity.
Investment Management
Investment Management
We’ll work hard to ensure all sides of your financial picture are accounted for when determining the optimal next steps for you to achieve your investment objectives. From mutual fund portfolios to ETF portfolios, we offer a variety of avenues and options for you to choose from depending on your needs, goals, risk tolerance and timeframe.
Insurance Solutions
Insurance Solutions
Our partnership with Futurity First Insurance Group gives us access to a wide range of life, disability and long-term care insurance providers, allowing us to shop the coverage plans that best suit your unique needs. As things change, we’ll review these policies to make sure they continue serving your best interests.
We are here to provide businesses with the knowledge and resources they need to provide a healthy retirement plan for themselves and employees.
How We Measure Your Plan’s Success
Participation: Are employees engaged and retirement ready?
Contribution: Are employees maximizing all available opportunities?
Cost-effectiveness: How effectively is your money being utilized?
Business Solutions
We offer corporate companies, small businesses and individuals the knowledge and resources they need to maximize their company retirement plan. Our service model is designed to minimize fiduciary risk, enhance plan benefits, reduce fees and most importantly, improve overall plan experience.
What We’ll Do
Employers
Employees
Support
Support employers with the selecting the appropriate plan, platform, record keeper, TPA and investment lineup for your firm.
Service
We will work together to implement a service model to consistently review plan and to integrate changes in marketplace.
Teamwork
Business owner should expect an ongoing relationship built on Teamwork.
Support
Support employees through their financial journey and be an advocate for their financial goals.
Educate
Your employees on the benefits, features and importance of participating in the plan.
Coach
Your employees on becoming retirement ready and the resources needed to achieve their goals.
Learn More
Here are some additional retirement plans that we offer.
If you are a business owner seeking low costs, an easy plan set up, no discrimination and the flexibility for employees to contribute to their own retirement, a SIMPLE IRA plan may work best for you.
Are you self-employed or a small business owner who wants flexibility in a retirement plan with the potential to put a large sum of money away? A SEP IRA allows you to contribute up to $56,000 — or 25 percent (2019) — of their taxable income each year.
Are you a self-employed business owner with no employees other than a spouse looking for the opportunity to put contributions into a ROTH? Depending on your salary, contribution limits are $56,000 or $62,000 for individuals who are 50-years-old and beyond.
Choosing the right company retirement plan involves a detailed discussion beyond the content listed above. Please consult with us and your CPA to ensure you get the most out of your options.
I began my financial services career back in 2011, primarily working in the insurance field and ultimately navigating my way to becoming a financial advisor. After working with a variety of individuals, families and business owners, I quickly realized that I wanted to help people for a living. Throughout my seven years as an advisor with Mutual of Omaha, I decided to make a change and start my own firm — leading with an unbiased approach and guiding my attention to the point-of-view of my clients.
Before starting my career, I was a student-athlete and two-year starter with a Nebraska football team. Like many other college athletes, my professional sports career was short-lived, and the real world began knocking at my door. It made me realize that I needed to get my finances in order; I needed to plan financially for what my future might hold. I realized many individuals, like myself, did not have the confidence, discipline and patience to successfully manage difficult, and often complex, financial decisions.
When I’m not at the office, you can find me spending time with my wife, Robyn, son, Lane, daughter, Lanny Mae, family, friends, or watching Husker sports games (football, basketball and volleyball). If there’s anything you should know about me, it’s that I love to travel with my wife and friends and enjoy being in the outdoors, especially when I’m kayak fishing.
Financial Resources
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Whether you’re a seasoned investor or a first-time financial planning client, we look forward to opening the doors of opportunity so you can look ahead to the future with confidence.
Steinkuhler Financial Group
3401 Village Drive, Suite 202
Lincoln, Nebraska 68516
Social Security will be one of your largest retirement assets and planning effectively can drastically increase your overall benefits for life. This important piece to the retirement income pie plays a vital role in planning your income.
It is one of the most common sources of income for most Americans and is a significant asset that generates guaranteed, inflation adjust income every single month to provide a base-level of retirement. There is not a rule of thumb when it comes to Social Security so creating a plan and weighing all scenarios regarding taxes, life expectancy, and how long you will work will change based on each individual or family. Anyone age 55+ should start reviewing your benefit options via www.ssa.gov.
Retirement Income planning is a personalized investment strategy with the main objective of providing inflation-adjusted income for life. The strategy allocates assets in a manner placing an emphasis on guaranteed streams of income that continue over long periods of time. This source of income could be a combination of annuities, pension, or social security. The remaining portion of assets are layered throughout your retirement years in segments to keep pace with inflation and cost of living.
This is extremely important because Americans are increasingly being forced to rely upon their own retirement savings to create the retirement income they will need. With Longevity increasing, health care cost rising, and a very low interest rate environment, creating multiple streams of retirement income can be challenging. Retirement income planning will provide a sound foundation for creating income.
If you are reading this, chances are you need life insurance to provide cash to your family or loved ones after your death. Life insurance provides a tax-free death benefit to your beneficiary to replace loss income, pay off debt, provide college funding, and end of life expenses. The gravest individuals who need life insurance the most are married with depended children. Both parents whether working or not have a human life value that needs to be insured. There are two variables that come to mind when calculating the amount of coverage needed: How much will be needed at death? And How much future income is needed to sustain my family’s standard of living?
Term Insurance –
The most affordable type of insurance, it is mainly designed to cover an individual temporary. This temporary time period is commonly set for specific number of years – 10,15,20,25,30, etc. and only pays a benefit in the event of death during this time. This type of insurance is frequently purchased because individuals are starting their careers, family, or purchasing a home.
Permanent Insurance –
In comparison permanent insurance provides coverage till the end of life. As long as you pay premiums and no loans, withdrawals, or surrender are taken, the full amount will be paid. There are numerous different types of permanent insurance and the main difference is based on how the cash value grows internally. There is never a rule of thumb when selecting the right coverage but often a combination of both may be the right solution. The most important rule of thumb is not selecting what type but buying the right amount that protects your family!
Time horizon, diversification, and an overall risk score are key to defining your goals as an individual investor. Having discipline, patience, and confidence are the most important elements in establishing a plan. Our portfolios are highlighted in three key areas (Strategic, Tactical, and Diversifier) to broaden our diversification because not all strategies that work in bull markets may not be effective in bear markets. We believe market timing is not the answer and staying the course is the best approach. Portfolios will consist of Mutual Funds, ETF’s, stocks, and bonds.
Power –
Portfolio built of globally diversified mutual funds. Accounts of any size small to large.
Finesse –
Portfolio built very similar to Power but uses Exchange Traded Fund’s (ETFs). Accounts $25,000 and up.
Custom –
Combination of multiple strategies – Strategic, Tactical, and Diversifier. Utilizing a combination of Power and Finesse Portfolios as well as stocks, bonds, and fixed income plans. Accounts $250,000 and above will be commonly used.
*Each client has different goals and objectives but overall this provides a basic concept we apply.