• Hansbrough Financial Services

    Enhancing and Preserving your Wealth

  •  

    We help people to

    reach their financial objectives!

     

    You need to look at the whole picture, create a plan that works for you and commit yourself to carrying out that plan.

    The key to great wealth is as simple as a goal and a plan to achieve it.

    We think holistically about all aspects of your wealth.  

    Developing and sustaining
    partnerships within the community.

    Ronald Hansbrough is an active participant in the minority business industry, and holds a sponsorship with the National Black McDonald’s Owner Operators Association (NBMOA) and the Minority Franchise Association (MFA)

    Service Area

    Hansbrough Financial Services has a team of executives that has been providing Estate planning since 1986, with astounding results specializing in unique estate and retirement planning through the use of life insurance, annuities, and other financial products necessary to fulfill the goals and objectives of each individual client.

    Cornelius Clifford Floyd, Jr. former Major League Baseball outfielder and designated hitter, and is also currently a co-host on Sirius XM Radio.

    Floyd turns to HFS for financial guidance. 

  • Our Services

    We let the results speak for themselves.

    • Analyze your assets and liabilities
    • Balance risk with reward
    • Target specific investments
    • Develop Tax Strategies
    • Develop strategies to access your money
    • Minimize your taxable income
    • Take advantage of all available tax credits and deductions
    • Control when you pay taxes
    • Will - directs your assets
    • Trust - transferring assets
    • Charitable gifts - giving your assets
    • Life Insurance - Liquidize your assets
    • Diversity
    • Balance Risk/Reward
    • Reduce Interest Rate Risk
    • Take Advantage of Compounding
    • Diversity
    • Balance Risk/Reward
    • Reduce Interest Rate Risk
    • Take Advantage of Compounding
  • What We Do

    The key to great wealth is as simple as a goal and a plan to achieve it.

    Wealth Accumulation

    A key that unlocks the door to wealth is an effective plan. Your plan must be as unique as your own particular circumstance. It must be consistent with your financial goals, time frame and risk profile without jeopardizing your current lifestyle.

    What do we need to do?

    • Analyze your assets and liabilities
    • Determine how you want to allocate your assets: CDs, money market, annuities, retirement funds, life insurance, cash values, etc.
    • Balance the risk with reward
    • Target specific investments
    • Develop tax strategies
    • Develop strategies to access your money

    You need to look at the whole picture, create a plan that works for you and commit yourself to carrying out that plan.

    Income Tax Reduction

    Everyone is required to pay income taxes but nobody needs to pay more than their share.

    The best way to manage overpayment of taxes is to develop a tax
    strategy that:

    • Minimizes your taxable income
    • Reduces your tax rate
    • Takes advantage of all available tax credits and deductions
    • Controls when you pay taxes

    Tax planning is NOT tax avoidance or tax evasion. Tax planning is simply making the most of your revenue while lessening your tax obligation. An effective income tax reduction plan takes advantage of what is legally available to you and is appropriate for your needs, goals and risk tolerance. Tax planning involves an in-depth analysis of your financial and tax situation. The tax impact and consequences of your investments will be scrutinized so that you do not miss out on deductions and credits that you are entitled to have. Your tax planning will be done by professionals who understand current tax law, who are familiar with the most recent changes in the laws and who are aware of proposed legislation that may impact your future decisions.

    Our goal is to decrease your taxes and make the most of your earnings.
    2.2 million Americans overpaid their taxes by approximately $948 million.
    Source: GAO Report / March 2002

    Asset Preservation

    A secure financial future does not happen by accident. It takes planning and protection to preserve what you spent a lifetime building.
     

    Building Blocks of Asset Preservation:

     

    1. Diversify
    Remember that no category of assets is always going to be a top performer. The knowledgeable investor spreads money among various investments and continually re-balances his/her portfolio so that “winners” can offset “losers.”

     

    2. Balance Risk/Reward
    Divide your investment amount so that you can take advantage of higher return vehicles while keeping a fixed account in reserve.

    3. Reduce Interest Rate Risk
    Interest rate changes can work for you no matter which way they move. If rates move up, your shorter-term money is soon available to re-invest at higher rates. If interest rates move down, your longer-term money grows at rates higher than current rates.

    4. Take Advantage Of Compounding
    Numbers really do add up and compounding makes them add up faster. This happens when you re-invest your earnings rather than taking them in cash. Now you are earning on your original investment and your accumulated earnings.

    Wealth Management

    We think holistically about all aspects of your wealth.

    Managing your wealth can help you address concerns including:

    • The cash flow required to support your lifestyle 
    • The investments needed to meet long-range objectives 
    • The most effective way to achieve estate planning goals 
    • The tax implications of all aspects of managing and transferring your wealth

    When you work with us, you benefit from our long history of serving many types of clients, from families managing wealth across multiple generations to business owners, entrepreneurs and other creators of first generation wealth. Hansbrough Financial Services has specialized in:

    Wrongful Death Settlements
    Medical Malpractice Settlements
    Minority Franchise Association (MFA), Burger King Owners
    High Net-Worth Individuals (HNWIs)
    National Black McDonald’s Owner Operators (NBMOA)

    Estate Planning

    Estate Planning is a lifelong process of acquiring, utilizing, preserving and then, transferring your assets. Proper estate planning can help you reduce the amount of taxes your estate will owe and plan for the distribution of your assets. Estate planning provides the peace of mind that comes from knowing you have taken the steps necessary to help ensure the security of your family.

    Effective estate planning helps you answer these crucial questions:

    • Who will receive my estate?
    • How can I help ensure financial security during my lifetime and for my family after my lifetime?
    • How can I reduce or eliminate taxes, administrative expenses, and delays in connection with the transfer of my estate?
    • How can I provide liquidity to cover taxes, debts and expenses my family and I may owe?

    Estate planning is not just for the wealthy. When you die, the government assesses the value of everything you own - your home, your business, other real estate holdings, insurance policies, savings, retirement plan assets, government benefits, personal property and so forth. Taxes can be quite sizeable if you do not plan for them.

    Estate planning also entails allocation of your assets. The four most common ways to make sure your estate is distributed according to your wishes are:

    Will - a legal declaration that directs the way your assets are divided
    Trust - a method of transferring assets to your beneficiaries. There are many types of trusts we can generate for you such as living trusts, QTIP Trusts, Irrevocable Life Insurance Trusts, and/or Charitable Remainder Trusts
    Charitable gifts - a way to give some of your assets to selected organizations and thereby reduce the amount of taxes you owe
    Life Insurance - a way to provide immediate cash to your family

  • Who We Are

    Hansbrough Financial Services (HFS) has a team of executives that have been providing Estate planning since 1986, with astounding results specializing in unique estate and retirement planning through the use of life insurance, annuities, and other financial products necessary to fulfill the goals and objectives of each individual client.  HFS operates effectively in both English and Spanish, with our highly trained experienced agents providing bilingual services to your customers.

    President, CEO

    In 1986, Ronald Hasbrough opened the doors to Hansbrough Financial Services (HFS) as a Master Certified Estate Planner.


    HFS services over 25 states across America. Our company specializes in the areas of Wealth Accumulation and Management, Asset Preservation, Income Tax Reduction, and Estate Planning.

     

    Ronald Hansbrough is an active participant in the minority business industry, and holds a sponsorship with the National Black McDonald’s Owner Operators Association (NBMOA) and the Minority Franchise Association (MFA).

    Veronica Villalba

    Office Manager

    Veronica has vast experience in managing high end account relationships. Her bilingual skills has helped tapped into the Hispanic markets for business development. She has over ten years of experience in finance, office operations and client management.

    Ronnell Hansbrough

    Business Development

    Ronnell is responsible for developing, defining, and researching
    industry related events. He also locates and proposes potential businessdeals by analyzing market strategies.

     

     

    Michael Lewis

    President of Operations

    Michael has worked side by side with Ronald Hansbrough for more than 10 years by accompanying him to various investment seminars and conventions. Michael is in charge of the Sales and Marketing department of HFS.

    John McCulloh*

    Legal Consultant

    Martin & McCulloh, P.C. is a Chicago area law firm that provides a variety of client- focused legal services to a diverse client base


  • Hansbrough Financial Services
    Successes

    Here are some of the various Owner Operators who Hansbrough Financial Services has helped:
     

    Benjamin & Kelly Alston
    College Park, GA

    Steven & Denise Bentham
    Houston, TX

    Anne H. Bland
    Falls Church, VA

    Melvin Buckley
    Richton Park, IL

    John & Carol Bullock
    Lansing, IL

    Clifton & Shirley Butler
    Aurora, IL

    Darrell Byrd
    Memphis, TN

    James Byrd, Jr.
    Memphis, TN

    Henry & Karen Coaxum
    East New Orleans, LA

    A.C. Crenshaw
    Denver, CO

    Dave Damson
    Chicago, IL

    Dr. Derrick Dawson
    Hammond, IN

    Phillip & Deborah
    DouglasSouth Holland, IL

    William & Sarah Edwards
    Washington, DC

    Jacqueline & Anthony George
    Athens, OH

    Spotwood & Ida Green
    Belaire, OH

    Lawrence & Marina Hagan
    Parkland, FL

    Aaron & Cassandra Harris
    Watchung, NJ

    Gerald Harris
    Chicago, IL

    Lenard Harris
    Chattem, IL

    Alonzo Hayden Sir.
    Calumet City, IL

    James Hayes
    Wickliffe, OH

    Donald Henry
    Chicago, IL

    Elizabeth Henry
    Indianapolis, IN

    Aaron & Damita Holland
    Boulder, CO

     

    Paul & Michelle Hoskins
    San Antonio, TX

    Aaron Houston
    Dallas, TX

    Saidah Hunt
    Chicago, IL

     

    Van Jakes
    Atlanta, GA

    Arnett & Wanda James
    Marion, SC

     

    Bennie Jones
    Chicago, IL

     

    James & Annie Jones

    Houston, TX

    Willis & Clara Langley
    Columbia, SC

    Jewel Lockhart
    Chicago, IL

    Samuel & Maria Lias
    Dallas, TX

    Dr. Rita McGuire
    Chicago, IL

    Kenneth & Onni McCoy
    Bedford Heights, OH

    Roland Marshall
    Okemos, MI

    Kenneth & Sharon Meeks
    Jacksonville, FL

    Albert & Francenia Merritt
    Moon Township, PA

    Eric Moore
    Fisher IN

    Daron & Avalyn Pace
    Dallas, TX

    Barry & Brenda Person
    Vineland, NJ

     

    Judson & Donna Pickard
    Cincinnati, OH

     

    John & Jean Potts

    Detroit, MI

    Robert Russ Jr.
    Robert Russ Sr.
    Country Club Hill, IL

    Bernard & Elizabeth Saffold
    Milwaukee, WI

    Ira Salls
    Louisville, KY
    Charles & Betty Specht
    W. Sacramento, CA

    Linda Simmons
    Chicago, IL

    Annis & Harry Staley
    Annandu, NJ

    Turan & Cheryl Strange
    Cleveland, OH

    Patricia Sweezer
    Chicago, IL

     

    Leroy & Terryce Walker
    Jackson, MS

    Ruby Washington
    Jackson, MS

    David White
    New Orleans, LA

    Warrick White
    Chicago, IL

    Earl Williams Sir.
    Broadview, IL

     

    Samuel Williams

    Baton Rouge, LA

    Willis Williams
    Chicago, IL

  • Contact Us!

    We appreciate your interest in our firm and sincerely look forward to serving you. 

    Please contact us with questions or to set-up an appointment with Hansbrough Financial Services.


    E-mail: info@hansbroughfinancialservices.com

    Telephone: (800) 598-9530 or (708) 754-9530

     

     

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