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 aiming 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.
Helpful Content
Insurance Needs Assessment: For Empty Nesters and Retirees
Do your insurance needs stay the same when the nest empties?
The Fed and How It Got That Way
Here is a quick history of the Federal Reserve and an overview of what it does.
Trends in Charitable Giving
Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
A Primer on Dividends
A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
An Overview of Renter’s Insurance
Don’t overlook the need for renter’s insurance if you rent your home.
Protecting Your Business from the Loss of a Key Person
Business owners may be able to protect themselves from the financial consequences of losing a key employee.
Healthcare Costs in Retirement
Without a solid approach, healthcare expenses may add up quickly and potentially alter your spending.
Preparing for the Expected
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.
Does Your Credit Score Affect Your Insurance Rates?
Your credit score may influence how much you pay for auto and home insurance.
View all articles 
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
My Retirement Savings
See how your current savings rate and contributions may grow into retirement income.
What Is My Net Worth?
Get a snapshot of your overall financial picture by calculating your total net worth.
College Savings
See how much you may need to save now to cover future college costs for your child.
Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
Assess Your Life Insurance Needs
Estimate how much life insurance coverage may be appropriate for your situation.
View all calculators
The Real Cost of a Vacation Home
What if instead of buying that vacation home, you invested the money?
Once Upon a Goal
Do you know how to set up your financial goals for success? This knight does.
Retirement and Quality of Life
Asking the right questions about how you can save money for retirement without sacrificing your quality of life.
How Cash Apps Work
Peer-to-peer payment apps are one of the newest ways to send money.
Working With A Financial Professional
A financial professional is an invaluable resource to help you untangle the complexities of whatever life throws at you.
Leaving Your Lasting Legacy
Want to do more with your wealth? You might want to consider creating a charitable foundation.