Joseph St.Onge, Jr., ChFC

John Hancock Financial Network

Welcome to my website!

My name is Joe St. Onge, and as a financial services professional and active member of my community, I feel I have an obligation to help individuals and families plan for their financial futures, while protecting against some of life's uncertainties.

 

To stay on top of my field and develop my professional skills, I have regularly attended industry training and certification programs. This includes completing the curriculum and passing the rigorous exams for the:

ChFC Designation
 

In addition, my academic achievements include:

Two Bachelor's Degrees from Mercer University

     Accounting and Finance


My education, experience and professional affiliations have fostered my practical approach to offering financial services and advice to my clients. Rather than just recommending a hodgepodge of unrelated products, first I will consider your specific financial goals and investment objectives.  Working together, we will formulate a strategy to help you achieve your goals.  Then, I will recommend the appropriate products and services to help you execute your strategy. 

My wife, Maureen, and I have three children (Will, Kate & Joey) and our world lovingly revolves around them!   

           

           Thank you for visiting our daddy's website!

 

Please watch this short video about my late friend, Mark Wandall.

http://inteleshow.bn24.com/launch.asp?f=JHancockF/20-1315/MarkWandall_c_150.asx


 
Calculators

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

More Calculators →

Newsletters

Poverty and the Modern Millionaire

Being a millionaire retiree has never really been the status quo – but now this amount may not be nearly enough to maintain even a modest retirement lifestyle.

Where Will You Roll?

An IRA is not really an investment in itself, but rather a special type of account that can be invested in thousands of ways.

Regain Your Individuality

When employees leave their jobs, they have a choice to make: they can withdraw the money, leave the money in their former employers’ retirement accounts, or roll the money into another retirement plan.

The Election and Your Money

In this year’s election, there are issues, such as energy, free trade, and inflation, playing a role that could have a significant effect on investors and consumers over the next four years.

More Newsletters →