Life, Health, Investment and Financial Services in Michigan

Welcome to Northern Financials Website ~ Your source for Financial Services in Northern Michigan.

U.P. Financial ServicesYou’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

Are you looking for a competitive quote on your health or life insurance? Click on the request a quote tab at the top of this page and we will be in touch very soon.

You can login to your current investment company to view your up to date account values.  You can login to your insurance company to find an in network doctor or check on a claim.  Just click on the My Investment or My Insurance links.  The links can be found on the upper right hand orange section of this page.

We hope your visit will help you understand the opportunities and potential rewards that may be available when you take a proactive approach to your personal financial situation in Marquette, Michigan or anywhere in Northern and Lower Michigan. We have created this website to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate analysis, and wealth preservation while working or retired.  Most important, we hope you see the value of working with skilled professionals.

We’re here to help inform you about the basic concepts of financial services; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often.  We are Marquette Michigan's as well as Northern Michigan's source for financial services. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance.
Calculators

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

More Calculators →

Newsletters

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

Where There's a Will, There's a Way

Only 35% of Americans have a will, yet it's a relatively simple legal document that every adult should have, regardless of wealth or age. Dying without a will can lead to unwanted outcomes and potential problems for heirs. This article discusses the importance of a will and other estate conservation documents.

Doing Your Heirs a Favor

Although a will and a trust specify disposition of assets, many other details of an individual’s final wishes might be explained in a letter of instructions. This article offers some topics to consider addressing in the letter to help loved ones make decisions and take care of final arrangements.

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