Joshua Blumensteel- MARG Financial

Joshua Blumensteel- MARG Financial Your friend and family's financial advisor. Financial advisor that wants to help as many people as I can.

I enjoy eating pizza, traveling to nice places, and spending time with family. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers, LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. margFINANCIAL and its affiliated compan

ies are independently owned and operated. IRS CIRCULAR 230 DISCLOSURE: To ensure compliance with requirements imposed by the IRS, we wish to inform you that any tax advice that may be contained in this communication (including any attachments) is not intended or written to be used, and cannot be used for the purpose of (i) avoiding any penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction(s) or tax-related matter(s) that may be addressed herein.

05/14/2026

Diability Insurance 101
What does it do?
Replaces up to 80% of your income if you meet the definition of disability as defined by your contract (i.e. your own occupation or any occupation)
Who needs it?
Any self employed business owner that won't qualify for worker's compensation long term disability if injured while on the job or at home, 1099 employees, people in hazardous occupations where injury can effect their ability to work and produce income, special occupations where working with your hands is what generates your income, and high net worth individuals that want to protect their income.
Protect your income with more than just health insurance and life insurance.

Disability insurance benefits, including income replacement percentages, vary by policy and are subject to underwriting, exclusions, and contract terms. Not all individuals will qualify for coverage. Before implementing a strategy involving insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

04/29/2026

Consider a married couple whose household income exceeds the Roth IRA contribution limits and who have recently welcomed a child.

In this example, one possible approach might include allocating an amount comparable to the annual Roth IRA limit toward a modest permanent life insurance policy, the rest of their life insurance needs into term life insurance policy. In the permanet policy, a portion of the premium may build cash value over time. Over the long term, the cash value within a permanent life insurance policy may grow, and, if properly structured and maintained, policy loans might be available later in retirement.

This type of strategy is sometimes discussed as a way high earners may supplement tax advantaged accumulation when direct Roth IRA contributions are unavailable.

Loan treatment and tax outcomes vary and are subject to policy terms and tax law. Outcomes depend on individual circumstances, product design, costs, and ongoing policy management, and such strategies are not suitable for everyone.

04/22/2026

live like nobody else now so you can live like nobody else later.
-Chris Biele

04/15/2026

don't like how much you paid in taxes this year?
let's figure out a good tax strategy for 2026 and fully understand the benefits of your money, retirement accounts, insurance policies, and savings.

Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

04/01/2026

The amount you may lose by following AI generated financial advice is hardly worth the complimentary meeting you can setup with me next week. Talk soon!

03/26/2026

Can't logic a person out of a position they didn't logic themselves into.

03/18/2026

How much are they taking?

While I find fee discussions more pleasant in up markets; I believe they are MOST important in down markets.
Ask your financial advisor these important questions:
-How much are my fees overall?
-What do these fees really get me?
Happy to give you a 2nd opinion.

03/16/2026

Self-employed business owners:

New Jersey has expanded RetireReady NJ to employers with 10 or more employees, down from 25.
What this means is employers that have been in business for at least two years and do not offer a qualified retirement plan will be required to facilitate payroll deductions into the state-run IRA program for employees who choose to participate.

Anything state-run is bound to run into problems and is likely not in your best interest.
Reach out to me and lets see what your business' retirement plan options are that fit your company best.

03/11/2026

Credit Card Training
there are two main types of credit cards. One for travel rewards. One for cash back rewards…..maybe one for business, but we’ll keep it simple.
Don’t get caught up in the gimmick of opening a card at this mall store to save 10% on today’s purchase when you’re going to have a lifetime of high interest rates%, horrible rewards, and a decrease in credit if and when you choose to close them.
If you’re the type of person that spends maybe hundreds or less on your credit card every month, stick with cash back cards. If you spend thousands every month, are an experienced credit card user(meaning you know how to properly use a card and pay off a card every month), and like to travel- consider also getting a travel card too.
So, which one do you use when?
If you’re booking travel or eating out, use a travel card to maximize rewards.
For everything else, use a cash back card.
And do your research on which cash back and which travel card companies offer the best rewards points and cash back%.

02/25/2026

Every job looks easy when you're not the one doing it.

02/18/2026

When in doubt go to the source.

Address

1800 Route 34 Bldg 2 Suite 201
Wall, NJ
07719

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Joshua Blumensteel- MARG Financial 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 Joshua Blumensteel- MARG Financial:

Shortcuts

Share

Category