A Firm That Puts Family First
Thomas R. Huisgen and Nathan R. Huisgen are a father-son team dedicated to helping clients reach their financial goals at Torch Financial Services. As a firm, we value familial connections and want to provide our clients with advice to help them take charge of their lives, both financially and personally. Whether you are looking forward to leaving a legacy for your family, saving for your children’s education, or learning more about what it takes to retire and spend more time with the ones you love, our professionals can provide comprehensive financial planning to help you get there.
We understand that the financial world can be overwhelming to some, and we hope to eliminate these worries and help you focus on your dreams. As a multi-generational firm, we value the relationship between client and advisor and use an all-inclusive approach with your investment portfolio. We also act as a hub by connecting clients with other services, such as tax professionals, insurance specialists and estate planners.
Torch Financial Services operates out of Western New York, but serves clients in many other states. We act as a guiding light for families who want to establish a legacy they are proud of for the ones they love. Through caring and comprehensive services, we can help you take the next step in pursuing your financial goals.
Revising Estate Strategy Assumptions
Estate tax exemptions rules appear to be stabilizing, prompting many to reconsider conventional estate strategies.
Money Draining Food Myths
These food myths will really put a drain on your wallet.
How to Retire Early
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Understanding how a stock works is key to understanding your investments.
Second marriages are a trigger event to revisit any existing estate strategies.
Taking regular, periodic withdrawals during retirement can be quite problematic.
However exciting retiring abroad may sound, it deserves considerable planning.
A look inside the U.S. government's statistics on household net worth.
If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator demonstrates the power of compound interest.
Estimate how much you have the potential to earn during your working years.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The importance of life insurance, how it works, and how much coverage you need.
There are some key concepts to understand when investing for retirement
There are some smart strategies that may help you pursue your investment objectives
The chances of needing long-term care, its cost, and strategies for covering that cost.
Using smart management to get more of what you want and free up assets to invest.
When should you take your Social Security benefit?
What if instead of buying that vacation home, you invested the money?
Understanding the cycle of investing may help you avoid easy pitfalls.
In the world of finance, the effects of the "confidence gap" can be especially apparent.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Here’s a crash course on saving for college.