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.

Disability Income Insurance

How much Disability Income Insurance do you need?

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Newsletters

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

More Newsletters →