Hegland Mainz Financial

10/16/2026

Life evolves, does your financial plan evolve with it?

10/15/2026

Social Security COLA to increase by 3.6% in 2027

10/08/2026

A comprehensive wealth management approach means ensuring
that you and your loved ones are protected. It means listening to
what is important to you and effectively positioning your assets to
achieve those goals and create streams of income in retirement.

We will customize a strategy that empowers you to make the most
of your assets and cash flow.

10/01/2026

Prince died in 2016 with no will, spouse, or children, and 10 years later, a Minnesota court is still overseeing the distribution of his assets following years of litigation.

According to the Pew Research Center, 23% of adults in their 50s and 22% of adults in their 60s have never had children.

It’s estimated that 70% of adults without children have no legal planning documents, such as a will or power of attorney.

The absence of a plan hands decision-making to a court applying a formula that was never built around the individual's actual relationships or intentions.

09/30/2026

A SoFi Technologies survey indicates that 59% of Americans view the ability to enjoy life as the primary indicator of financial success, surpassing traditional milestones even, homeownership.

09/23/2026

A study by the compliance research firm Legalaes reveals that nearly 30% of finance-related videos on social media are misleading. YouTube has the highest share of misleading content at 41.8%. Only 2.2% of creators holding recognized financial credentials.

09/18/2026

One national trend stood out to us.

Recent life insurance application activity increased across every age group, with the strongest growth occurring among adults age 50 and older. Applicants age 70+ saw the largest increase, with application activity rising 53.9% year over year.

Many people think life insurance is something you purchase once and never revisit. In reality, major life events, retirement planning, business ownership, children/grandchildren, charitable goals, and legacy wishes can all be reasons to review your strategy.

MIB research 2025

09/10/2026

The price you see on the shelf may not be the exact amount you pay at checkout.

With penny production ended, some merchants have started rounding cash purchases up or down to the nearest nickel. Depending on the total, that could mean a few cents more or a few cents less.

Paying by credit card may come with another wrinkle. Some retailers and service providers are adding surcharges to help offset card processing costs, which may increase the final price.

That means the same purchase could cost slightly different amounts depending on whether you use cash, debit, or credit.

Before you pay, take a second to compare the total for cash, debit, and credit so you know which option makes the most sense for that purchase.

Source:

More merchants are rounding change for cash purchases to the nearest nickel due to the end of penny production, or adding surcharges to credit card transactions.

09/04/2026

You work hard for your money. We work hard for you. Happy Labor Day!

09/03/2026

Life insurance is often framed as something you only think about "just in case."

But for many people, it can be part of a broader financial foundation—supporting both current flexibility and future considerations.

From how coverage works to what employer benefits actually provide, understanding the basics can make it easier to decide what fits your situation.