Dow Chemical / Rohm and Haas Employees

At Hardt Financial Group we have many years of experience helping clients through significant changes in their lives like the loss of a job.  You may be experiencing some uncertainty about the next phase of your work life and what to do regarding the various financial decisions you are now facing.

We can help provide direction and counsel regarding questions you may have like...

  1. Should I take my Rohm and Haas pension as a Life Annuity or as a Lump Sum?  The correct answer will depend on your specific circumstances.  We can help you review the advantages and disadvantages with either choice.  Also, if you decide to take a Life Annuity, we can help you review the several options you have.  Or, if a Lump Sum is best for you, we can help you decide how to make the best use of the money from a tax and from an investment standpoint.
  2. What should I do with the Dow 401(k) plan?  We help clients determine the best way to handle this money in order to provide for current and future needs?
  3. What should I do with my severance payment?  We can help clients decide how to use this money to provide for their specific needs and current situation.
  4. How do I invest my money in these times of economic uncertainty?  We help clients measure the tradeoff between safety and growth potential.  This is an art and a science.  We consider each client's unique future cash flow needs, tax situation, risk tolerance, and other factors to develop individually designed recommendations.  We do not have a cookie cutter approach.  We work with investment products that are conservative and others that are aggressive with recommendations being tailored to each client.

We would enjoy the opportunity of having a no-cost introductory meeting with Dow/Rohm employees to see if we can be of help as you navigate your way through these decisions.  For many people, changes like this, though initially unsettling, turn out to be blessings in disguise.  We would like to do our part to help.

To schedule a meeting call (502) 893-4381 or use the Contact Us button toward the top of this web-site to access the Contact Form.