Financial Management | Life Insurance | Retirement* | Life Planning

 

Welcome to Schamerhorn Financial Group

Schamerhorn Financial Group is an independent firm focused on financial management products that are aligned with a client's "life planning" and "retirement" goals. 

We provide consultative financial advice with comprehensive services to encourage, educate and improve financial literacies that impact making better financial decisions.

Where do we begin?  We start by having a financial discussion over coffee and determine if our firm's advice, philosophies or services are right for you, your family or your business.

 

IF YOU FAIL TO PLAN...THEN PLAN TO FAIL 

Each day you wait, waste or procrastinate, you lose another day of "compounding interest" working for you.  Stop waiting, call today 281-486-9700.

 

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Life Insurance

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

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

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Help an Inheritance Help You

When Americans were asked what they would do with a large inheritance, 48% said they would save it; only 8% said they would spend it on things they've always wanted. Could the Great Recession be changing attitudes about money? There are some options to consider for those who expect to receive, or have already received, an inheritance.

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

HOT TOPIC: Why Global Investors Are Worried About European Debt

European officials are working on a bailout deal to help debt-laden Greece avoid default, but some are worried a broader eurozone financial crisis may be waiting in the wings. How likely is a Greek sovereign debt default, and how could it affect European and U.S. financial markets?

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

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