Clear and Easy to Understand, the Hall Financial Plan

Meet Michael Hall

Michael Hall

Owner and President

I graduated from Superior Senior High School in Superior, Wisconsin. I grew up out in the country raising chickens, mink and bailing hay. Living out in the country was a great experience; nowhere near what kids do for fun today. The three buildings of concern were a house under 500 sq ft, a chicken coop and the outhouse. Two out of the three were always full! I had no idea what a work permit was, or that my parents had to sign it. I had no idea that being 15 years old would be so hard, but it didn’t stand in my way.

I watched my mother read every stock page in our newspaper and it made me inquisitive to ask a lot of questions. I must admit she gave me sound answers to my questions.

My father worked on the Great Lakes along with my brothers. I have one brother that took the Edmund Fitzgerald out of the Twin Ports Harbor. After my father retired, it wasn’t long and tragedy struck, and my father passed away. More trouble came when my father had chosen the wrong options for his retirement. So, my mother got nothing from his pension, just Social Security. As a result of this, her retirement income was reduced drastically. This resulted in major lifestyle changes that she did not anticipate, like trips to visit the grandkids were now gone. Watching every penny spent was now the new norm. Social Security just wasn’t enough. Having worked their whole lives, I’m sure looking back, this wasn’t the retirement years they both looked forward to.

So, in 1987, getting into this business was an easy choice. I know there are a lot of stories out there like my mother’s, some are worse. The obstacle I see for clients is education; when to choose, what to choose and how to choose. These are very hard decisions to make. You only get one chance to retire and how do you make the right choice? I believe the more education you have about any decision, the easier it is to make. Education eliminates surprises. But if you don’t know what to ask, then it’s harder yet. Education is our backbone at Hall Financial Group LLC. So give us a call or stop in and check out our web page for even more educational topics. Your enrollment starts now!