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

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Tax-Deferred Savings

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

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

More Calculators →

Newsletters

HOT TOPIC: What's Ahead for 2010?

Economists expect the economy to grow by a respectable 3% in 2010, but they don't hold out much hope for the employment situation. What else can investors and consumers expect from the coming year?

Never Too Old—or Too Rich—to Consider Life Insurance

There are many possible reasons to consider owning life insurance, even if you have convinced yourself that it's no longer necessary in your situation.

Get Your Retirement Reality Check

A retirement needs-calculation goes beyond the commonly suggested target to have 70% of pre-retirement income.

HOT TOPIC: Does the Estate Tax Have a Future?

For the first time since 1915, the federal government has no law in place to tax large estates when they are transferred to heirs. But will Congress allow the estate tax repeal to stand?

More Newsletters →