Welcome to The Reaume Company

The Reaume Company is a southeastern Michigan  insurance, wealth management and employee benefits firm.  We specialize in working with high net-worth individuals and businesses to help them achieve their financial objectives.

The Reaume Company operates its business according to the following principles:

  • Our most important asset is our clients.
  • Our most important value is to adhere to the highest standards of  ethical behavior.
  • Our most important function is to enhance and preserve our client relationships through professional excellence.
  • In serving our clients, we shall recommend that course of action which we would apply to ourselves in a similar situation.

While maintaining the highest standards of expertise in a complex environment of regulatory laws and competing solutions, we provide our clients with tailored solutions.  Since our formation, we have remained committed to:

  • Long-term client relationships,
  • The highest standards of service, and
  • A highly trained staff with cutting-edge technology.
Calculators

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Disability Income Insurance

How much Disability Income Insurance do you need?

Lease Interest

What's the interest rate on the lease you're considering?

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Newsletters

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

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