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

Federal Capital Gains Tax Estimator

Federal Capital Gains Tax Estimator

Estimate your potential federal capital gains tax liability on the sale of an asset.

Comparing Mortgage Terms

Comparing Mortgage Terms

Compare different mortgage term lengths side by side to find the option that fits your budget.

Investing with Your Heart

Investing with Your Heart

For some, the social impact of investing is just as important as the return, perhaps more important.

 

How Will Working Affect Social Security Benefits?

Knowing the rules may help you decide when to start benefits.

You May Need to Make Estimated Tax Payments If…

Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.

Retirement Is a Beginning

Key questions to answer when you are considering retirement.

Eight Mistakes That Can Upend Your Retirement

There are common mistakes you can avoid when saving for retirement.

Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

A Path to Serenity and Smart Money Choices

An article about meditation, mindfulness, and financial well-being.

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Assess Your Life Insurance Needs

Estimate how much life insurance coverage may be appropriate for your situation.

How Much Home Can I Afford?

Estimate how much home may fit within your budget based on income and expenses.

How Compound Interest Works

Explore how compound interest can grow your money over time with this interactive tool.

Estimate Your RMD

Calculate your required minimum distribution amount based on your account balance and age.

Inflation & Retirement

See how inflation over time could affect the purchasing power of your retirement income.

Comparing Mortgage Terms

Compare different mortgage term lengths side by side to find the option that fits your budget.

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Jane Bond: Scaling the Ladder

Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

Coaches

Coaches have helped you your whole life, in ways big and small. We'd like to be one of them.

Bursting the Bubble

Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?

Preparation is the Key to Retirement

The simplest ideas can sometimes make a massive difference over time. Enjoy this brief video to learn more.

Finding the Balance

The sandwich generation faces unique challenges. For many, meeting needs is a matter of finding a balance.

Dreaming Up an Active Retirement

When you retire, how will you treat your next chapter?

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