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.

Lastly, before you go, you won't want to miss seeing the article written by Ray and published in Life Insurance Selling magazine.  Ray and Steve Parrish, National Advanced Solution Consultant for The Principal, wrote a compelling article on Key Person Insurance.

Raymond L. Bening             Duke Reichardt
Partner                                   Partner

Calculators

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Life Insurance

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

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

More Calculators →

Newsletters

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

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.

Rethinking the Role of Household Debt

Many people aspire to pay off their home mortgages before retirement, but the housing situation and a weak economy have taken a toll on the finances of many older Americans. There are some compelling reasons why pre-retirees might want to consider maximizing their retirement plan contributions and avoid carrying large amounts of debt into retirement.

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