Semper Financial Group

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ETFs Are Closing the Gap with Mutual Funds

Investor demand for exchange-traded funds (ETFs) has increased rapidly over the last decade due to attractive features that set them apart from mutual funds.
Why Renters Should Have Their Own Insurance

Young renters who are just striking out on their own may not realize that a landlord’s insurance policy typically will not cover the destruction or loss of the tenant’s possessions.
Buying a Condo? Focus on the Financials

Condominiums are generally priced lower than single-family homes, but condo ownership comes with some special costs and financial implications.
HOT TOPIC: Will Tax Law Changes Impact Your Giving Strategy?

New tax rules will determine the deductibility of donations in 2026 for better or worse, which means taxpayers may want to rethink the timing and amount of their donations for 2025 and beyond.

Lease Payment

How much would your monthly lease payment be?
College Funding

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

Estimate the future value of your current savings.
LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.