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

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Cost of Retirement

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

More Calculators →

Newsletters

HOT TOPIC: Looking Ahead in 2012

2011 was a year of slow economic recovery, market volatility, and political conflict over the budget, the national debt, and taxes. All of these challenges continue to face us as we begin the new year. This article presents an overview of some of the issues that bear watching in 2012.

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy.

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.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

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