201 W. Morgan Street
P. O. Box 151
Spencer, IN 47460

David Hensley, Certified Financial Planner™

812.829.4811 x 265

 
Estate Management 101 Raise Your Retirement Income Women and Retirement What Can a Million Dollars Buy You?

 Our Philosophy is Simple!
We believe “You Gotta Have a Plan!”                                          


Most people and many businesses do not achieve nearly as much as they might otherwise achieve because they never take the time necessary to think about where they want to be nor do they map out a financial path to get them there. 

As a Certified Financial Planner® professional, my goal is to assist them to maximize their wealth accumulation possibilities by:

  • Implementing proper Cash Management Principles,
  • Developing a Tax Reduction Strategy
  • Performing an Investment Suitability and Portfolio Construction consistent with their accumulation and retirement objectives,
  • Completing a Risk Management Analysis,
  • Review possible Estate Planning Techniques, including Charitable Trusts*, and construct an Implementation and Review schedule.

In short, I provide objective advice to help people make their hopes and dreams become a living reality.  My goal is to teach balanced living through the implementation of prudent planning principles.

If you would like a complementary consultation to discuss these or other financial matters, please give me a call at 812.829.4811.  We will sit down and discuss how I can help you reach your financial dreams.
*Legal advice and services provided by unaffiliated attorneys


      Click on Image to Go to Certified Financial Planner's Website "Let's Make a Plan"                      

      

                                         

         

 When is the Best Time to Take Social Security?

 Click on this logo and see how to maximize your benefits!

 

 

             

             Click on bank above to return to Owen County State Bank



 

Helpful Content

Bi-Weekly Payments

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Buying vs. Leasing a Car

Buying vs. Leasing a Car

Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.

A Brief History of Estate Taxes

A Brief History of Estate Taxes

Federal estate taxes have long since been a lucrative source of funding for the federal government.

 

Life and Death of a $20 Bill

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Buying vs. Leasing a Car

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Estimate Your RMD

Help determine the required minimum distribution from an IRA or other qualified retirement plan.

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Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

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How Much Home Can I Afford?

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

2012 Federal Income Tax

Use this calculator to estimates your income tax liability along with average and marginal tax rates.

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Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

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Learn more about taxes, tax-favored investing, and tax strategies.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

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The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

Women and Retirement

Women are great at multi-tasking. But many drop the ball when preparing for retirement

The Power of Tax-Deferred Growth

Why are 401(k) plans, annuities, and IRAs so popular?

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The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

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