Heineman Financial Strategies
“Your Financial Freedom Professional,
Guiding you from Employment to and through Retirement”
Heineman
As a dedicated independent financial services firm, we look forward to helping you establish and maintain your long-term financial goals through clarity, direction, and prudent investment management.
Who We Are
Heineman Financial Strategies (HFS) is an independent financial services firm. Our advisors offer a broad and diversified menu of professional financial planning services, as well as the highest quality financial products available in the marketplace.
What We Do
Our advisors offer a full range of wealth management services in the communities we serve. This will include providing advice and solutions for every aspect of a client’s financial life using a consultative approach and offering a complete range of financial products and services specifically designed to meet the needs of their clients.
Why We Do It
Our primary business objective is to be the financial services provider of choice in every community we serve by demonstrating a level of ethics, competency, and professionalism that will set us apart from all our competitors and promote change for the better in our industry, our customers, and the communities we serve.
About the Firm
About The Firm
Heineman Financial Strategies is based in Omaha, Nebraska. We help individuals and families accumulate, preserve, and transfer their wealth. We pride ourselves in building long-term client relationships based on knowledge, trust, and mutual respect, going out of our way to help ensure your success. We strive to help you establish and maintain your long-term financial goals through clarity, direction, and prudent investment management.
Our Mission
Our mission is to help every client become more comfortable with their finances, knowledgeable about their financial affairs and confident in their financial future.
Our Vision
Our passion is for our clients to be prepared for the unexpected allowing them to focus on the retirement of their dreams by giving them the foundations to make their financial dreams a reality.
Our Associates
Rhonda Heineman, CFP®, CFS®
Financial Advisor | CERTIFIED FINANCIAL PLANNER™, Certified Fund Specialist®
Rhonda has been providing investment guidance and financial services to individuals for over 27 years. Besides a Finance Degree from University of Nebraska, Omaha, Rhonda has earned two professional designations. In 2007, Rhonda earned professional designation of CERTIFIED FINANCIAL PLANNER™ and in 2021, Rhonda completed requirements for professional financial services designation of Certified Fund Specialist®.
In 2012, Rhonda formed her own firm, Heineman Financial Strategies, dedicated to providing experienced, trustworthy guidance to help clients work toward their goals of financial independence.
Raised in Norfolk, Nebraska, Rhonda resides in Omaha with her husband, Dave along with our Shih Tzu fur baby “The Mouse”.
When not working in her Omaha office, or at her Palm Desert, CA condo during the winter, Rhonda enjoys traveling with Dave, being a grandparent of three, practicing her faith, hiking, and Jazzercise.
Rhonda’s community involvement includes sponsoring children since 1997 through Unbound (formally Christian Foundation for Children & Aging) https://www.unbound.org/. Current President of Optimist Club of Omaha and on the Board of Directors for Child Saving Institute https://childsaving.org/about/about-us.html.
Check the background of investment professionals on FINRA’s BrokerCheck
Rhonda Heineman, CFP®, CFS®
Financial Advisor | CERTIFIED FINANCIAL PLANNER™, Certified Fund Specialist®
Rhonda has been providing investment guidance and financial services to individuals for over 27 years. Besides a Finance Degree from University of Nebraska, Omaha, Rhonda has earned two professional designations. In 2007, Rhonda earned professional designation of CERTIFIED FINANCIAL PLANNER™ and in 2021, Rhonda completed requirements for professional financial services designation of Certified Fund Specialist®.
In 2012, Rhonda formed her own firm, Heineman Financial Strategies, dedicated to providing experienced, trustworthy guidance to help clients work toward their goals of financial independence.
Raised in Norfolk, Nebraska, Rhonda resides in Omaha with her husband, Dave along with our Shih Tzu fur baby “The Mouse”.
When not working in her Omaha office, or at her Palm Desert, CA condo during the winter, Rhonda enjoys traveling with Dave, being a grandparent of three, practicing her faith, hiking, and Jazzercise.
Rhonda’s community involvement includes sponsoring children since 1997 through Unbound (formally Christian Foundation for Children & Aging) https://www.unbound.org/. Current President of Optimist Club of Omaha and on the Board of Directors for Child Saving Institute https://childsaving.org/about/about-us.html.
Check the background of investment professionals on FINRA’s BrokerCheck
Danette Samson
Office Manager
Danette joined Heineman Financial Strategies in 2012 but has been in the business since 1999. Her ability to manage various responsibilities while greeting clients in a positive, friendly & upbeat manner makes Danette a vital part of my office. Danette is a natural at juggling multiple activities including preparing client updates, processing new accounts, keeping the office organized and best of all, Danette’s dedication to our clients and always with a positive, friendly, and personable demeanor.
Danette lives in Valley, NE and has one daughter, Amanda, son-in-law Nick, and a beautiful German Shepard puppy named Sammy. When not at the office, Danette enjoys spending time with Sammy, playing golfing with friends, and most of all, Danette enjoys spending time with her family, especially her twin nephews who recently turned five years old.
Services
Advisory/Asset-Based Accounts
The fee structure of an advisor account is typically asset-based, with a monthly or quarterly fee paid by the client based on the percent of assets held in the account. In general, assets managed in advisor accounts are subject to fiduciary standards, which means my investment recommendations are based on a comprehensive portfolio fit.
As your financial professional, offering ongoing investment advice, I am serving as an investment advisor representative of the Registered Investment Adviser, Cambridge Investment Research Advisors, Inc. Furthermore, Advisors are registered with the SEC and regulated under the Investment Advisors Act of 1940.
In addition, as an asset-based advisor and a CFP®, I must and do put the interest of our clients ahead of our own. As part of CFP® certification, all CFP® professionals commit to uphold the high standards outlined in the Code of Ethics and Standards of Conduct. https://www.cfp.net/ethics/code-of-ethics-and-standards-of-conduct
As an asset-based advisor, I have the same goal as you: growing your assets. My interests are your interests.
Traditional IRA & Roth IRA
An individual retirement account (IRA) offers tax benefits that can help you save the money you’ll need for your retirement. IRAs come in two versions:
- Traditional IRA. Invest after-tax money (may be deductible when filing taxes); defer taxes on earnings until withdrawal, usually during retirement.
- Roth IRA. Invest after-tax money; withdrawal of earnings and contributions are tax-free if conditions are met. Both choices offer significant tax advantages and investment compounding potential, giving you the flexibility to make withdrawals during retirement as tax rates rise or fall. To learn more and find out about eligibility and deductibility.
Group/Individual 401(k) Retirement Plans
A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages. All contributions and earnings to your 401(k) are either tax-deferred pre-tax contributions or after-tax contributions providing tax advantages when you retire.
- Many employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions. The combined result is a retirement savings plan you cannot afford to pass up. Traditional 401(k) accounts provide a tax break now, as contributions are not taxed at the time of investment. Instead, taxes are paid on withdrawals, including any earnings. Getting a tax break at the time of investment will leave more money in your pocket now — money that can be invested, saved, or spent.
- Roth 401(k) accounts provide a tax advantage later. Contributions are made with money that has already been taxed, so you will not have to pay taxes on qualified withdrawals, including earnings. Please keep in mind that if your employer matches your Roth 401(k) contribution, the contributions will be made before the employer pays taxes on it. This means you will have to pay income taxes on the match and any growth associated with the match when you take distributions
Insurance
The purpose of insurance is to shift financial risks to insurance companies. It is not only determining the right amount of insurance but also the right kinds of insurance considering your overall financial situation and your stage in life. If you haven’t examined your life insurance policies, homeowner’s policy, disability policies and other insurance policies lately, they may no longer meet your needs.
Long-term Care (LTC) Planning
When planning either for your aging parents or yourself, please keep in mind the annual limits covered by original Medicare for skilled nursing benefits. The 2021 annual limits are as follows:
- First 20 days—patient pays per day -$0-
- Next 80 days—patient pays per day $185.50
- Over 100 days—patient pays per day All costs
For additional information, refer to Medicare coverage of skilled nursing facility care.
Estate Planning
If you own assets, you have an estate. A Will is critical regardless of your age or the size of your estate, yet more than half of Americans do not have a will. A will specifies who receives what assets when you die and if you have young children, a will can set up a trust for them and designate a guardian to care for them. If you don’t have your own estate plan, known as dying intestate means your state will determine one for you in accordance with state law – one that you and your beneficiaries might not like.
Along with a will, another important legal document is a power of attorney, which allows you to designate a representative to perform certain duties for you in the event you can’t.
The three such documents are the following:
- Medical power of attorney, sometimes call healthcare proxy, which gives a designated representative the power to make medical decisions for you, for example, to continue or not continue life support.
- Living Will, which is a statement of your personal wishes as to what life-sustaining medical treatment you want or don’t want if you become terminally ill.
- HIPAA – the federal Health Insurance Portability & Accountability Act of 1999 requires confidentiality of medical records, provides for waivers that allow your agent to obtain the records necessary to make decision or prove incapacity.
Discuss these issues with family members, particularly those who will serve as successor trustees or agents under powers of attorney, so that they’re aware of your intentions and know where to find your important documents.
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Business Text #: 402-603-5772