Evette Bonfiglio-St. Clair Financial Group

Evette Bonfiglio-St. Clair Financial Group I'm passionate about helping individuals & families build secure futures through personalized financial planning.

With a decade of experience in banking & a client-first approach, I specialize in crafting strategies that evolve with your goals. For important disclosures please visit our website https://www.stclairfinancialgroup.com/

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, pro

ducts or services referenced here are independent of Osaic Wealth. Osaic Wealth does not provide tax or legal advice.

💬 Community Feedback Needed!I’ve been thinking about hosting a Family Financial Planning Event right here in our communi...
08/28/2026

💬 Community Feedback Needed!

I’ve been thinking about hosting a Family Financial Planning Event right here in our community — something practical, welcoming, and truly helpful for families at every stage.

Before I move forward, I’d love your input.

👉 Would you attend an event like this?
Held at your local school, at a convenient time, and focused on real‑life topics families ask about every day:

• How retirement accounts actually work — and how to use them through your workplace
• How much life insurance is really enough
• Smart, realistic strategies to save for college
• And other key parts of building a strong financial foundation for your family

Your feedback matters. Yes or no — and why?
What would make an event like this valuable for you?

I want this to be something that supports our community, meets families where they are, and gives clear, judgment‑free guidance.

📞 Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
Call: (810) 329 6228
Email: [email protected]

Holistic Planning: The Five Pillars That Build a Strong Financial LifeLife doesn’t move in a straight line—our finances ...
08/26/2026

Holistic Planning: The Five Pillars That Build a Strong Financial Life

Life doesn’t move in a straight line—our finances shouldn’t either. A truly holistic plan looks at every part of your financial world and how they work together, so you can move confidently through every season.

The five key aspects of holistic planning remind us that a strong financial strategy isn’t just about numbers on a page. It’s about your family, your goals, your protection, your future income, and the legacy you’re building.

When these pieces align, your plan becomes something powerful—something that supports you through growth, change, and the unexpected.

A trusted advisor doesn’t just manage accounts; they help you connect the dots. They walk with you, step by step, making planning understandable, achievable, and tailored to your life.

If you’re ready to build a plan that supports your whole life—not just one part of it—I’m here to help you get started.

📞 Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
Call/Text: (810) 329 6228
Email: [email protected]

Self‑Employed? Your Retirement Won’t Build Itself — But You Can.When you run the business, you’re not just the employer…...
08/24/2026

Self‑Employed? Your Retirement Won’t Build Itself — But You Can.

When you run the business, you’re not just the employer… you’re the HR department, the payroll team, and the retirement plan sponsor too. That means your future depends on the steps you take today.

Here’s a simple checklist to get started:

✔️ Set up your retirement accounts (SEP IRA, Solo 401(k), Roth/Traditional IRA)
✔️ Build a contribution plan that fits your income
✔️ Protect your income with life & disability insurance
✔️ Map out your future retirement income sources
✔️ Review your investments annually
✔️ Create your business exit or succession plan

You work hard for your clients — make sure you’re also working hard for your future self.

If you want help building a plan that’s clear, achievable, and tailored to your goals, I’m here to guide you every step of the way.

Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
📞 810-329-6228
📧 [email protected]

08/14/2026

You don’t know what you don’t know — and that’s why these reminders matter.

I recently helped someone who needed to pull money from their Roth IRA. Only after closing the account did they learn some tough truths about early withdrawals. Different accounts have different rules, and misunderstanding them can be costly.

Here’s a quick breakdown:

🔵 Traditional IRA

Before 59½: taxes + 10% penalty (unless an exception applies)

After 59½: taxed, no penalty

RMDs start at 73

🔴 Roth IRA

Contributions: always tax‑ and penalty‑free

Earnings: tax + penalty if withdrawn before 59½ and before the 5‑year rule

After 59½ + 5 years: tax‑free

No RMDs

You don’t know what you don’t know — but you can ask before making a move. I’m here to help you avoid surprises.

08/12/2026

What do you think is the hardest part about starting or committing to a financial review?

Is it feeling intimidated by the process?
Worried about what it might cost?
Not feeling like you “have enough” to even begin?
Or is it that familiar roadblock of, “I’ll try to figure it out myself first… and then ask a professional later”?

I hear these concerns every day, and you’re not alone.
I’m genuinely curious — what holds people back the most?

Your insight helps me better serve families in our community, and it might help someone else feel a little less nervous about taking that first step.

Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
📞 810‑329‑6228
📧 [email protected]

08/12/2026

Business owners — if your company is growing, hiring help, and becoming more established, this is your reminder.

If you haven’t started the retirement‑plan conversation with your CPA yet, now is the perfect time to bring a financial advisor into the mix. As your business evolves, your retirement strategy should evolve with it.

A good advisor helps you:

Align your retirement plan with your current business structure

Build long‑term strategies that support your future goals

Explore different retirement account options (SEP IRA, SIMPLE IRA, Solo 401(k), traditional 401(k), etc.)

Understand benefits not just for you, but for your employees as well

When your business grows, your financial planning needs to grow with it — and you shouldn’t have to figure it out alone.

If you’re ready to build a plan that supports both your business and your future, I’m here to help.

Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
📞 810‑329‑6228
📧 [email protected]

Long‑Term Care Has Evolved — And Today, It Can Fit a Multitude of NeedsLong‑term care isn’t what it used to be. Years ag...
08/04/2026

Long‑Term Care Has Evolved — And Today, It Can Fit a Multitude of Needs

Long‑term care isn’t what it used to be. Years ago, people thought of LTC as a single path — a nursing home and nothing more.
But today, long‑term care has expanded, modernized, and become far more flexible.

And with the increasing need for care and the rising costs associated with aging, having a plan that adapts with you is more important than ever.

Modern LTC planning can include:
• In‑home care that supports independence and comfort
• Facility‑based care when more structure or medical support is needed
• Flexible payment options designed to fit different budgets
• Customizable benefit structures that evolve as your needs change over time

Here’s the reality:
As we age, our care needs shift — sometimes gradually, sometimes suddenly. And if your financial plan doesn’t address life insurance or long‑term care benefits, it has a gap. A meaningful one.

Talking through these options with a trusted advisor ensures your plan is complete, intentional, and ready for whatever life brings.

If you’d like to explore how modern LTC fits into your long‑term strategy, I’m here to help you make sense of it all.

Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
📞 810‑329-6228
📧 [email protected]

Financial planning should feel understandable, achievable, and built around you. At St. Clair Financial Group, we take ...
07/30/2026

Financial planning should feel understandable, achievable, and built around you.
At St. Clair Financial Group, we take a truly holistic approach to planning — because your life, your goals, and your future deserve more than colored graphs and guess‑work pie charts.

We focus on clarity, confidence, and connection.
Our clients trust us because we take the time to explain the “why” behind every recommendation, and we build plans that feel realistic, personal, and aligned with your unique path.

We’re not here to overwhelm you — we’re here to guide you.
We are income and savings specialists for retirement, helping you understand how your pension, Social Security, investments, and long‑term goals all work together. Your plan should fit your life, not the other way around.

If you’re ready for a planning experience that feels supportive, clear, and genuinely centered on your future, I’m here to help.

📞 810‑329‑6228
📧 [email protected]

When is the right time to start thinking about retirement? The truth is… it depends on where you work and how your bene...
07/28/2026

When is the right time to start thinking about retirement?
The truth is… it depends on where you work and how your benefits are structured. For some careers, retirement conversations can begin as early as age 50. Others may look closer to 60, and many wait until full retirement age to make their final decisions.

But no matter your timeline, the best time to start planning is before you’re faced with big questions like:

When should I take Social Security?

How does my pension work?

What income will I actually have in retirement?

What steps should I take now to make the transition smoother?

Having an advisor in your corner before you make those decisions is always better than wishing you had guidance afterward. Retirement is a major life shift — and you deserve clarity, confidence, and a plan that supports your future.

If you’re starting to think about retirement, or you’re unsure where to begin, I’m here to help you map out the right path.

📞 810‑329‑6228
📧 [email protected]

📘 Investing 101: Simple Steps to Start StrongInvesting doesn’t have to be overwhelming. A few core habits can make a hug...
07/27/2026

📘 Investing 101: Simple Steps to Start Strong
Investing doesn’t have to be overwhelming. A few core habits can make a huge difference in your long‑term financial confidence.

Start early.
Time is your biggest advantage. Even small, steady contributions grow meaningfully when you give them time to compound.

Know your risk level.
Your comfort matters. Choosing investments that match your personality and timeline helps you stay committed through market ups and downs.

Diversify your portfolio.
A balanced mix of investments protects your plan and reduces risk. Think of it as building a team instead of relying on one player.

Invest consistently.
You don’t need perfect timing — you need steady habits. Regular contributions create momentum and long‑term growth.

Stay focused on your goals.
Markets move daily, but your future is built over years. A clear plan keeps you grounded and confident.

If you’re ready to understand your options or build a plan that fits your family’s goals, I’m here to help.

Evette Bonfiglio, Financial Advisor
St. Clair Financial Group
📞 810‑329‑6228
📧 [email protected]

Address

531 North Riverside Avenue Suite 200
St. Clair, MI
48079

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4pm

Telephone

+18103296228

Website

Alerts

Be the first to know and let us send you an email when Evette Bonfiglio-St. Clair Financial Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Evette Bonfiglio-St. Clair Financial Group:

Shortcuts

Share

Category