NJH Financial Corp.

1108 Kane Concourse, Ste. 222 Bay Harbor Island, FL 33154

Phone:

(305) 778-4891

Fax:

(888) 845-9299

Norman J. Hurwitz,CLU,ChFC, AIF, President.

WELCOME TO OUR SITE: Thank you for visiting us. We hope your visit will be informative and helpful.

To contact me or request specific information (CLICK HERE ).

We have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth management. We hope you see the value of working with skilled professionals to pursue your financial goals.

Most important, we’re here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to all our informative financial resources.

Thank you again for visiting our site. I’d like to share with you one of the truly accurate quotes I have come across. It’s from John F. Kennedy...

“The time to repair your roof is when the sun is shining"

Life Insurance For Business Owners

If you own your own business, chances are you’ve at least thought about the conditions under which you will leave the business and who is going to take over after you're gone. Business continuation is difficult enough under normal circumstances, but if it takes place following the unexpected death of a key person or owner, the complications can increase exponentially.

What Are Some Tips For Managing My Money?

As with virtually all financial matters, the easiest way to be successful with a cash management program is to develop a systematic and disciplined approach. Spending a few minutes each week to maintain your cash management program, can help you keep track of how you spend your money and pursue your financial goals.

What Are My Retirement Planning Options?

There are a variety of retirement planning options that can meet your needs. Your employer funds some; you fund some. Bear in mind that, in most cases, early withdrawals before age 59½ may be subject to a 10% federal income tax penalty. The latest date to begin required minimum distributions is usually April 1 of the year after you turn age 72. In most cases, withdrawals are taxed as ordinary income. This list describes 10 of the most common planning options.