Welcome!

Since Bening Financial was founded in 1974, we've served as advocates for businesses, families, and individuals who require financial, insurance, and advisory services including:

  • Providing innovative financial strategies to help business attract, reward and retain key employees;
  • Customizing term, variable and universal life insurance plans to meet specific business or family needs;
  • Reviewing existing life insurance plans in light of the recent market conditions and product enhancements;
  • Formulating a plan to provide stable income through retirement years;
  • Coordinating group and individual disability insurance coverage for income replacement and buy/sell agreements;
  • Enhancing value and simplifying the servicing of existing 401(k) plans, defined benefit plans and rollover IRAs;
  • Recommending asset allocation strategies using personal risk tolerance profiles combined with a broad range of investment options;
  • Evaluating and recommending appropriate use of tax favored fixed and variable annuities to meet future income objectives. 

We thank you for taking time to learn more about Bening Financial.  After you’ve had an opportunity to browse our website, we encourage you to take the next step and contact us for specific wealth-building and risk-minimizing strategies to meet your individual needs, goals, and dreams.

 

Raymond L. Bening

   Duke Reichardt
Partner   Partner

           
                              
Calculators

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

More Calculators →

Newsletters

Home Equanimity

The contraction of the housing market has caused many people to take a second look at the way they view their homes.

Confident in Consumer Confidence?

The consumer confidence index can be a useful tool, but it should play only a minor role in an investor’s overall outlook.

HOT TOPIC: New Rules Likely Making Credit Cards More Expensive

New rules designed to limit credit-card issuers from quietly raising interest rates and fees will undoubtedly help consumers become more aware of the terms and conditions on their credit cards. But the real news is that the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (CARD) may actually be making credit cards more expensive to use.

Patching the Alternative Minimum Tax

The future of the AMT is uncertain, yet it is important to consider the possible effects of the AMT on your tax situation.

More Newsletters →