Michael Hand at Barnum Financial Group

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Michael Hand at Barnum Financial Group I am a dedicated Financial Advisor and Investment Advisor Representative committed to guiding clients through every stage of their financial journey.

Disclosures: https://barnumfinancialgroup.com/representative/michael-p-hand/ Michael is a dedicated Financial Advisor and Investment Advisor Representative committed to guiding clients through every stage of their financial journey. Acting as a trusted resource, he works collaboratively with individuals and families to clarify goals, assess their current financial position, and uncover opportunities for growth. Michael helps clients protect what matters most with tailored insurance strategies, invest wisely for the future, and make decisions with clarity and confidence. A graduate of Kean University, Michael’s path into financial services was shaped by personal experiences. He witnessed firsthand how a lack of clear, objective guidance can leave even intelligent, hard-working people feeling uncertain about their financial future. This insight ignited his passion for financial empowerment and his belief that stability and security are essential foundations for a fulfilling life. Michael combines strong analytical skills with a people-first approach, building long-term relationships grounded in trust. His mission is to simplify the complexities of finance and create personalized strategies that help clients turn aspirations into tangible achievements— whether that’s building wealth, funding education, or planning for retirement. A lifelong resident of Woodbridge Township, Michael grew up in Colonia and now resides in Iselin with his wife, Jessica. An avid traveler who has explored 31 countries, he also enjoys golfing and staying active in his free time.

Choosing the between a high-deductible vs. a low-deductible health plan depends on your full financial picture. Find out...
10/16/2026

Choosing the between a high-deductible vs. a low-deductible health plan depends on your full financial picture. Find out which plan might be right for you!

https://bit.ly/4B8ViWr

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According to a recent study, 88% of pre-retirees have thought about retirement income, but 50% lack an updated written p...
10/16/2026

According to a recent study, 88% of pre-retirees have thought about retirement income, but 50% lack an updated written plan and even fewer work with a financial advisor. Let’s meet and look over your retirement plan to make sure you’re prepared for what comes next.

https://bit.ly/4jIRx3Z

The 4% rule is a basic rule-of-thumb when it comes to retirement, but how can we make it better? Let’s talk about your r...
10/15/2026

The 4% rule is a basic rule-of-thumb when it comes to retirement, but how can we make it better? Let’s talk about your retirement plan and how adding an annuity can help reduce your market risk.

Researchers compared four ways to turn a $1 million nest egg into retirement income, weighing lifetime payouts, liquidity, and money left for heirs and emergencies.

Ready to start building wealth? It all begins with a plan saving, budgeting, investing, diversifying.    CRN202807-91779...
10/14/2026

Ready to start building wealth? It all begins with a plan saving, budgeting, investing, diversifying.



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Open Enrollment is an opportunity to calibrate your entire financial picture. Find out how a financial professional from...
10/14/2026

Open Enrollment is an opportunity to calibrate your entire financial picture. Find out how a financial professional from Barnum Financial Group can help you!

https://bit.ly/4s4iPUc

CRN202909-12132758

10/12/2026

Last week, Stocks rose as broad market gains and earnings optimism outweighed inflation concerns. Bonds also advanced, with Treasury yields easing modestly. Economic data was mixed, with a strong labor market offset by weaker consumer sentiment and persistent inflation pressures. Check out this week’s market perspective to learn more.

As we head toward year-end, many families are thinking about how they’d like to give back. Whether you’re supporting a f...
10/12/2026

As we head toward year-end, many families are thinking about how they’d like to give back. Whether you’re supporting a favorite charity or exploring new ways to make an impact, it may be worth considering how charitable giving can fit into your overall financial strategy. Let’s connect and discuss your goals.

55% of working Americans believe they’ll still have access to benefits after leaving their job, but many find out too la...
10/09/2026

55% of working Americans believe they’ll still have access to benefits after leaving their job, but many find out too late that they don’t. That’s where we step in. Our advisors help clients navigate this exact moment before coverage is lost and mistakes are made.

Download the case study here: https://bit.ly/3VGLiDB

Download this guide for tax-smart ways to give before Dec. 31: https://bit.ly/4y4ZT9nWant to talk it through? Let’s conn...
10/08/2026

Download this guide for tax-smart ways to give before Dec. 31: https://bit.ly/4y4ZT9n

Want to talk it through? Let’s connect.

As your kids plan costumes, candy, and Halloween fun, it's the perfect time to start conversations about money managemen...
10/08/2026

As your kids plan costumes, candy, and Halloween fun, it's the perfect time to start conversations about money management, budgeting, and making choices that align with priorities.

Address

25 Independence Boulevard, Suite 200
Warren, NJ
07059

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