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

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Tax-Deferred Savings

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

Cash Flow Analysis

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

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

More Calculators →

Newsletters

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Understanding the Appeal of Mutual Funds for High-Income Households

Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?

Getting to Know Your Beneficiaries

Estate conservation issues may be uncomfortable to face, but there's probably no other aspect that is as simple or inexpensive as designating beneficiaries for employer-sponsored retirement plans, IRAs, and life insurance policies.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

More Newsletters →