Financial Management Network, Inc

Welcome to our Web site, where you'll find a wealth of information in the form of newsletter articles, calculators, and research reports.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals. We're here to help educate you about the basic concepts of financial planning, to help you learn more about who we are, and to give you fast, easy access to market performance and data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn't want you to miss any developments in the area of personal finance.

 

 

New clients accepted by referral only
 

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Securities offered through FMN Capital Corporation, Member FINRA,MSRB & SIPC, California Life License #0A96242


Bart A Zandbergen, CFP is a representative of Financial Management Network, Inc, and FMN Capital Corporation. Financial Management Network, Inc. (Investment Advisor), FMN Capital Corporation (Broker-Dealer), and representatives of either firm may only transact business in the state they are licensed in (Bart Zandbergen is insurance licensed in the following states: AZ, CA, CT, NY, TX,VA & WI and securities licensed in AR, AL, AZ, CA, CT, CO, GA, HI, IL, MO, MS, NM, NY, TX, VA, & WA). Follow up, individualized responses to persons in those states that we are not licensed in by Financial Management Network, Inc., FMN Capital Corporation, and representatives of either firm that involve either effecting or attempting to effect transactions in securities, or rendering of personalized investment advice for compensation, will not be made without compliance with said state`s broker-dealer, investment adviser, broker-dealer agent, or investment adviser representative registration requirements, or an applicable exemption or exclusion.

* Financial Management Network, Inc., is registered with the SEC as an investment adviser and as such is licensed directly in its state of residency, California. All other states FMN conducts business in is done through a de Minimis filing with said states.



 


 


 




 
Calculators

Savings Accumulation

Estimate the future value of your current savings.

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

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

How Interest Rates Can Influence Financial Decisions

The Federal Reserve has relied on its control of short-term interest rates to influence economic activity. Adjusting interest rates might seem to be an overly simple solution for steering the world's most powerful economy, but few mechanisms can influence behavior more effectively than interest rates.

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

The Budget Control Act of 2011 raised the federal debt ceiling, mandated modest but significant caps on discretionary spending over the next ten years, and left the details of larger deficit reduction to a 12 member, bipartisan “super committee.” The main provisions of the law include the assumption that higher tax rates will return in 2013.

Bring Your Life Insurance Home From Work

Only 44% of American households have individual life insurance, a 50-year low. Many workers have life insurance as an employee benefit, however relying on a group policy could mean that coverage ends should a worker's job situation change. This article examines the benefits of term individual insurance and permanent life insurance.

More Newsletters →