Danny Ratulowski - Northwestern Mutual

03/24/2025

Starting a family? I’m all about making sure your finances can handle parenthood. With the right plan, the only things you’ll have to worry about are sleep training, potty training, diaper changing, lack of sleep... Well, at least your finances will be taken care of!

12/14/2023

Have you heard the good news? The amount you can add to your retirement accounts just went up. Let’s work together to ensure your future is in good hands. Message me to get started.

12/22/2022

With the year coming to a close, it's a great time to check in on your financial goals and priorities. Whether you're starting/growing your family or not, the new year presents a great opportunity to align your planning with what is most important to you!

From getting ready for the hospital bill and covering parental leave to getting important documents in place, we’ll help you financially prepare for a baby in 9 months.

10/27/2022

Northwestern Mutual announced another record-breaking dividend payout of $6.8B. I’m proud to be part of a company that lets us share our success with our clients while maintaining financial strength so we can be there for them when they need us most. http://bit.ly/3Fkbkm3

08/03/2022

One in three Americans are proactively searching for a financial advisor.

What characteristics make some advisors stand out from others? Our Chief Distribution Officer Tim Gerend explains what clients want.

Six-in-ten Americans say their financial planning needs improvement, and one-third say they are proactively seeking out the help of a financial advisor – and for good reason. According to new research released by Northwestern Mutual this week, Americans with an advisor exhibit more certainty in th...

04/14/2022

Long-Term care costs can be disastrous to a financial plan. The US average cost of in home care is about $5,000/mo and about $8,500/mo for nursing home care. The state of WA is addressing this with an additional state income tax to give a $36,000 life time benefit to citizens in the state (possible exception if you have private long-term care insurance). There are two great ways to insure against this potential cost for you or your family. Let's talk if this is something that is important for you to address!

When most people hear “long-term care,” they think of a nursing home. But it is a term that covers a variety of different situations.

03/31/2022

Reach out if you have questions about how to manage your retirement savings.

Learn when you may want to roll over retirement funds and when it might be best for you to leave them in your employer’s plan. Here’s what you need to know.

03/07/2022

If you’re not sure which is a better fit for your estate plan, let’s talk.

They can both serve an important part in an estate plan, but is it better to have a will or a trust? We break down the differences.

01/27/2022

The IRS has released new income thresholds for tax brackets and a new standard deduction for 2022. Here are the new numbers.

Tax brackets can be confusing. We explain how you can use them to estimate your tax bill.

12/09/2021

We run down some key planning considerations for different stages of your life.

It’s not uncommon to think financial planning is for you. But anyone can benefit from taking steps for financial planning throughout your life.

10/08/2021

If you or someone you know has federal student loans and works for a non profit and/or public service role (i.e. nurse, teacher, non-profit, etc) the US Dept of Education just announced an important change to the Public Service Loan Forgiveness. This is an opportunity that will expire as of October 31, 2022.

I hope this is helpful! If you have any questions, feel free to reach out!

https://www.ed.gov/news/press-releases/us-department-education-announces-transformational-changes-public-service-loan-forgiveness-program-will-put-over-550000-public-service-workers-closer-loan-forgiveness?fbclid=IwAR0uomCjcAktpw1Z0_pfYuDoT5HFVKAQcFR-BgHzmCrduUz-rB1UiqoGXzc

Today, the U.S. Department of Education announced an overhaul of the Public Service Loan Forgiveness (PSLF) Program that it will implement over the next year to make the program live up to its promise. This policy will result in 22,000 borrowers who have consolidated loans—including previously ine...