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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Calculators

Life Insurance

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

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Cost of Retirement

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

Financial IQ Test

Take this quick quiz to find out your Financial IQ

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Newsletters

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

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.

Giving Strategies That Can Give Back

Americans gave more than $290 billion to charity in 2010, despite the slow economy. About 73% of charitable donations came directly from individuals. This article explains how a charitable remainder trust and a charitable lead trust could be used to provide more control over gifts while potentially benefiting the giver and his or her heirs.

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

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