Managing your finances can be challenging, especially when balancing immediate needs with future aspirations. Whether you're aiming to purchase a home, plan for retirement, or grow your investments, a financial consultant offers invaluable guidance. At Andover Bank, our experienced financial consultant, Marc Hanneman, is dedicated to helping you navigate the complexities of personal finance with tailored solutions that fit your unique circumstances.

Personalized Financial Planning
Every financial journey is distinct. Marc takes the time to understand your individual goals, risk tolerance, and current financial situation to craft a plan specifically for you. Whether it's assistance with budgeting, debt management, or optimizing savings, we provide personalized strategies to set you on the path to success.

Short-Term Benefits of Working with a Financial Consultant

1. Budgeting and Cash Flow Management
   Developing a budget that maximizes your income while covering expenses and saving for the future is crucial. Marc can help you create a structured approach to spending and saving, reducing financial stress and enhancing overall financial well-being.
2. Emergency Fund Planning
   Life's unpredictability underscores the importance of a solid emergency fund. Marc will guide you in determining the appropriate amount to set aside and advise on the best accounts to keep your emergency savings both accessible and growing over time.
3. Investment Guidance
   Even if you're new to investing, Marc can help you get started with options that align with your risk tolerance and goals. Andover Bank offers a range of investment solutions, including mutual funds, stocks, and bonds, empowering you to make informed decisions that grow your wealth over time.

Long-Term Benefits of Working with a Financial Consultant

1. Retirement Planning
   Preparing for retirement is a significant long-term financial goal. Marc will assist you in assessing your current savings, exploring retirement account options such as IRAs and employer-sponsored plans, and creating a strategy to ensure you have the necessary funds to enjoy your golden years.
2. College Savings for Your Children
   With education costs on the rise, early planning is essential. Marc can help you explore options like 529 College Savings Plans, which offer tax advantages and flexibility to fund your child's education.
3. Estate and Legacy Planning
   A well-structured estate plan ensures your assets are distributed according to your wishes. While we don't provide legal or tax advice, Marc collaborates with your estate planning professionals to structure your investments and accounts in a way that aligns with your legacy goals.

Why Choose Andover Bank’s Financial Consultant?

1. Local Expertise and Personalized Service
   As a community bank, we pride ourselves on offering a personal touch. Marc is not only a financial expert but also a neighbor, invested in the success of our community. Unlike large national firms, we provide guidance that reflects the financial landscape of the areas we serve.
2. Access to Comprehensive Financial Services
   We offer a full range of financial solutions, including investment management, insurance products, and retirement planning. Whether you're looking to grow wealth, protect your assets, or plan for the future, we have the resources to assist you.
3. A Relationship Built on Trust
   Financial planning is a long-term journey, and we're here for you every step of the way. Marc prioritizes transparency, education, and partnership, ensuring you feel confident in your financial decisions.

Meet Our Financial Consultant
Marc Hanneman is the Financial Consultant for ab Investment Services and a Vice President at Andover Bank. With over 23 years of experience, Marc provides a full range of financial services, including portfolio reviews and goal assessments. He earned a B.S. from Ohio State University, holds Series 7 and 63 Registrations, has a Life & Health Insurance license, and is recognized as an Accredited Asset Management Specialist.

Start Your Financial Journey Today
Whether you're beginning your financial planning or looking to refine your existing strategy, partnering with a financial consultant can make a significant difference. Schedule an appointment with Marc today and take the first step toward a more secure financial future.

For more information, visit Andover Bank.