The Secret to Savvy Saving

Design a savings plan that fits your family, your goals and your lifestyle.

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Savings Tips

  • Set a budget and stick to it.
  • Track all of your spending so you know where your money goes.
  • Automate savings and payments.
  • Avoid impulse purchases. Consider a cooling off period before you make a purchase.
  • Allocate a portion of every pay raise to savings.
  • Open a high-interest savings account.
  • Pay all credit card bills in full each month.

Savings Buckets

Start by setting your goals. Identify what you are saving for and why. Here are some common categories.

Emergency Savings

An emergency fund can cover the cost of unexpected home repairs, medical bills, or replace income if you or your spouse were to lose your job. Maintaining at least three to six months of living expenses can provide a cushion for unforeseen circumstances.

Buying a Home

You’ll likely need a down payment to purchase a home. A larger down payment decreases the overall cost of your home over the life of the mortgage and makes you a more desirable buyer in a tight seller’s market. Our mortgage professionals can guide you in planning for this major purchase.

Retirement

There are multiple ways to build your nest egg, depending on the type of work you do and retirement savings plans available to you. Among the most common are 401(k) plans, which allow your employer to deduct money automatically from your salary for you to invest. If you are a small business owner or self-employed, consider taking advantage of an Individual Retirement Account (IRA). 

College Funds

With the high cost of college education, saving gives you an advantage. Among the most popular college savings vehicles are 529 plans, which are offered in each state. Our advisors can help you determine the best strategy for funding your children’s education, depending on your financial circumstance and the type of school or training your child desires.

We can help you get there

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Savings & Money Market

Be prepared for life’s little surprises with a savings or money market account. Whether you're just starting to save, building an emergency fund or saving for something special, we can help you reach your goals.

LEARN MORE about Savings and Money Market.
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Certificates of Deposit

When you want a higher than average interest rate, a set rate of return and assurance that your funds are insured, a CD may be the right tool for your savings and retirement goals.

LEARN MORE about Certificates of Deposit.
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Purpose of Financial Planning

The purpose of a financial plan is to define how your income and assets can provide for a lifetime of happiness. Healthy savings habits, spending discipline and appropriate investments are necessary to meet your goals. But, you need more than just a plan.

LEARN MORE about how we can help you with Financial and Retirement Planning.
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Investment Management

Managing portfolios guided by your goals, sound research and a prudent investment decision-making process. 

Learn More about how we manage portfolios and our investment solutions.
Chris Gable
Chris Gable, AVP Branch Manager, Kenosha, WI

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No matter what financial needs you may have, we're here for you. Our experienced advisors work closely with you to build the right path to help you achieve your goals.

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