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

Required Minimum Distributions

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

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Financial IQ Test

Take this quick quiz to find out your Financial IQ

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

More Calculators →

Newsletters

Should You Found a Foundation?

If you want to control how and where your donations are used, create an entity that has the potential to last for generations, and unite family members behind a worthy cause — and don’t mind some fairly strict paperwork requirements — this type of organization might be worth considering.

Exchange-Traded Funds Can Be for Conservative Portfolios, Too

If you avoided ETFs because they were predominantly composed of stocks, the growing availability of bond ETFs might warrant a second look.

Increase Your Protection

If your net worth exceeds the amount of liability coverage provided by your homeowners and auto insurance policies (each usually tops out somewhere between $300,000 and $500,000), you might want to consider an umbrella liability insurance policy.

A Simple Conversion

It has never been easier to convert all or part of an employer-sponsored retirement plan to a Roth IRA.

More Newsletters →