Check the background of this investment professional on  http://www.finra.org/
http://www.sipc.org/ 
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Reuter Capital 
Greater Milwaukee Insurance Broker & Financial Advisor

Reuter Capital is Greater Milwaukee's premier wealth management firm and full-service life, health and disability income insurance broker.  Steve Reuter and his team pride themselves on taking a holistic approach to your financial situation.  Every strand of your financial future is extremely important and generally dependent on each of the other financial strands to work properly and optimally.  This is precisely why we focus on each area of your financial future and not just certain micro parts of the bigger, macro picture.  We believe it is our fiduciary responsibility to meet with you where you are financially and discuss your goals and vision so we can present to you all of our available options for your situation.  We believe in excellent customer service, trustworthy communication, goal driven strategy and proper execution.  Our areas of focus are as follows:
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  • Wealth Management and Investment strategy 
  • Term Life Insurance 
  • Permanent Cash Value Life Insurance
  • 401(K) 
  • Roth and Traditional IRA's
  • Annuities 
  • Retirement PLanning Services
  • Group Health Insurance
  • Individual Health Insurance
  • Medicare Planning 
  • Small Business Benefits Consulting ​

​For a complete list or a brief explanation of all of the Reuter Capital services available to you, please fill out the connection form provided. Owner and operator Steve Reuter will contact you personally to go over any questions or concerns you may have.  What is there to lose?  Contact us today for your complimentary, no-hassle, holistic financial consultation!

Insurance, Investment,
& Small Business Benefits Specialist
of Greater Milwaukee 

We design investment, insurance, and retirement planning strategies for your business or personal financial situation. 

We meet you where you are...

Help Build Wealth

Wealth management strategies with some juice. Comprehensive, individualized strategies to help you take control of your financial future. ​

Help Preserve Wealth 

Investment, retirement and estate planning strategies that help you conservatively grow your estate and efficiently pass your wealth to future generations. 

Help Manage Risk

Risk management strategies for life, health, disability income and small business group insurance planning. ​

Small business benefits strategies you can count on.

We focus on small business benefit consulting and structuring affordable group health insurance coverage plans for Wisconsin business owners and their employees.  
We listen to where you are and plan out where you want to be. Our goal-oriented, holistic approach to your financial future is unrivaled. Find out how we are different below!    

...and help you achieve goals along the way.

Retirement Strategies

401(k), IRA, long-term care planning, and medicare.

Affordable Services

Fee-based financial planning strategy options.
Call us today for a free, no hassle consultation.

Financial Professional

How To Choose A Milwaukee Financial Professional

The proper financial professional or investment advisor can provide you with the knowledge and tools that you will require to help choose the right investments, choose the correct insurance and plan for your financial future. A good financial professional or investment advisor will help assess the risk of your portfolio and insurance coverages and make suggestions on how you might design or diversify your entire portfolio so that you are able to help meet your financial goals. Furthermore, financial professionals may also help in reviewing your current investments, and in turn, potentially help you save on taxes or unnecessary fees. Here are some factors that you need to consider before choosing the correct financial professional or investment advisor for you.
Due Diligence 
Choosing the right financial professional or investment advisor is extremely important to your financial wellbeing. Since they are someone you will be trusting with your investments and insurance, you need to be careful and cautious.
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Do your homework and review their qualifications. The financial professional giving you suggestions should be qualified to do so. Find out about the certifications and securities licenses that they hold. This can enable you to know if they have the requisite knowledge and experience to help make important investment decisions.
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Experience
This is one of the most important considerations that you need to look at when choosing an investment representatives. Ask about their experience and what makes them different from other advisors. You also need to pay attention to the areas they specialize in. 

Ask for references and don’t hesitate to talk with other clients so that you become aware of the advisor’s specific area of experience. This can help you make a good and informed choice. ​​

How To Choose The Best Investment Advisor

  When choosing an investment advisor or financial professional, it is important that you ask them about their own investment strategy.  This will help you understand how they may plan to invest your money. 
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Lastly, always choose an financial professional or investment advisor that holds the highest standards of diligence and trust toward their clients. No matter what your financial goals are, a good advisor will guide you every step of the way from general investment strategies to retirement planning strategies. You will know you have made the correct choice when you are able to find practical and innovative strategies to your investment goals!

"It's not about how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for."

- Robert Kiyosaki

Affordable Life Insurance Broker

How To Find Affordable Life Insurance In Milwaukee

Finding the correct and most affordable life insurance in Milwaukee can be tough as there are so many options available. It is important that you find a policy that can provide you the protection that you and your family needs.  A good life insurance policy can help secure your family’s financial future. More specifically, it can help provide funds that you will need for:

Maintaining a comfortable standard of living.
Paying off mortgages and other outstanding debts.
Uninsured medical bills.
Burial expenses.
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Life insurance can definitely be affordable if you do your research and make the correct choice for both you and your family. In terms of cost per month, term life insurance is more affordable than permanent life insurance. However, price shouldn't be your only consideration. Choose a policy that meets your specific goals or requirements.  Before you make your final choice it is important to understand the different types of policies so that you can choose the correct policy for you. ​
Term Life Insurance
This is one of the most affordable ways to provide maximum coverage for your family. The protection is provided for a limited number of years that are clearly specified in the policy.

The insurance remains in force as long as the premiums and term length are current. However, the insurance coverage terminates if the premiums are discontinued. Furthermore, just as any insurance requires, you need to avoid any kind of misrepresentation on the application to avoid discontinuance of the policy. ​

Permanent Cash Value Life Insurance

Whole Life Insurance
This policy provides protection for your entire life. It starts from the policy issue date and continues till the death of the insured.  All premiums must be paid for it to be in continuance.

The premiums are set at the policy issue date and continue to remain the same during the entire life of the policy.  This is unlike term insurance as it combines insurance savings and insurance protection or cash value that builds over time.  The cash value may also be a source to provide living benefits as well. ​
Universal Life Insurance ​​
This life insurance policy provides great flexibility.  It is essentially a blend between both term and permanent life insurance.  One of the distinct advantages is that you will be able to determine the amount and frequency of premium payments.  

In other words, if you pay more premium, you reduce the period of time in which you need to pay your premium all together.  This is a fantastic option for people that may want to overfund their premium at some pay periods, but pay their minimum premium during other pay periods. 
**It is always important to remember that life insurance policies are constantly changing and many times convertible from one form of life insurance to another.  Therefore, it makes sense to meet with your financial representative on an annual basis to review your policies as well as update your financial goals.** 

OUR GOLDEN RULES

Pay yourself first. Diversify your portfolio. 

Help Minimize taxation. Help Maximize Growth. 

401(K) and IRA Retirement Professionals

Are you stressed about your retirement plan strategy?  Do you want to choose a retirement plan strategy that will give you a secure future?  With so many Milwaukee IRA and 401(K) rollover options available, it can be overwhelming when deciding on the correct strategy.
You will be happy to know that rolling over an existing 401(K) into a self-directed IRA is not as difficult as it may seem. When you are ready to convert your 401(K) plan into an IRA, you need to choose the proper financial professional. Confidence in your financial professional choice will help you find  stress-free retirement plan strategies.
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Choosing 401K Rollover Providers

Milwaukee IRA and 401(K) Rollover Professional

Before you make an investment in the retirement plan, you need to know what the different providers or options can offer. This brief synopsis of retirement information can help you make an informed choice.  Your options are:
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Keep the Assets in your previous employer's plan (401K/403B)
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When you invest in a sponsored plan, you will be allowed to invest only in a set list of mutual funds and investments that you can have in your IRA. 
Rollover plan assets in an IRA​​
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Choose the IRA investment options as per your specific requirements and handle all the transactions. You start by deciding what type of IRA is best for you and choosing your investments. You'll then call the financial company that holds your former employer's retirement plan and have your savings moved into an IRA.
Always find a provider with a positive reputation. Be sure to read reviews so that you can choose your provider wisely. Look for providers that will be able to offer you different types of investment options. Avoid choosing those who limit your investment options. Finally, the other important aspect that you will need to consider are fees. Learn about the transaction and annual fees associated with your provider and the established plan before making your final decision. ​

Financial Representative's You Can Trust

Health Insurance Strategies Near You

Small Business Benefits Milwaukee 

If you are a business owner, you need to consider implementing small business benefits in Milwaukee.  From affordable group health insurance to retirement planning strategies, Reuter Capital can offer these professional services! In fact, there are various retirement plan options available for your company and its employees. This is important for attracting and retaining high quality employees in today’s competitive environment.
Great benefits, including a solid retirement plan, can help employees save for the future.  It can also help provide the employer with benefits, so that you are able to get the most of your business assets.

Different Types of Retirement Plans
Most of the retirement plans that are available are either defined contribution plans or defined benefit plans.

Defined Benefit Plans
This plan has been specifically designed to help provide a retirement benefit for each of the participants. It allows for a quick accumulation of assets within the shortest period of time. The contribution that is required to be made each year depends on many different factors. These factors include age, years of employment, desired retirement benefits, and the value of the plan assets.  The contributions that are required to be made each year can vary depending on the above-mentioned factors.

Defined Contribution Plan
This plan doesn’t specify the amount of benefit that you will get at the time of retirement. Employer as well as employees contribute to individual accounts in this plan. The contribution is at a set rate, which is usually 5% of the annual salary. The different types of defined contribution plans include:
  • 401K plan.
  • Profit sharing plans.
  • Employee stock ownership plans.
  • Money purchase plans.
Small businesses can choose to offer any of these plans. There are many financial institutions that offer both these plans. When these plans meet the requirements of the tax code, they will qualify for numerous tax benefits as well. 

The different types of tax benefits that are eligible for these plans include:
  • The income that is generated by the plan assets may be exempt from income tax. This is because the income is managed and earned within the broad overview of a tax-exempt trust.
  • The plan participants, which includes the employees or their beneficiaries, might also be exempt from income tax. This is because the amount that is contributed are funds that are given by the employer. 
  • Employers are entitled to current tax deductions on the contribution they had made to the different plans.

**It is advisable to learn about each type of plan so that you are able to make a good choice that is beneficial for your business and employees. Contact us today for a complimentary analysis of your businesses retirement program! **

Affordable Health Insurance Milwaukee

Irrespective of whether you are employed, unemployed, self-employed or covered under the employer’s health care plan, finding affordable health insurance in Milwaukee can be a time-consuming process.
Health insurance can be expensive but for most individuals, the risks of not having health insurance can far outweigh the cost.  Finding affordable health insurance that matches your that matches your needs may be tough.  However,  evaluating all of the different providers and their plans so that you can find a policy that matches your budget is key.  That is where we come in! 

Why Choose a High Deductible Health Plan?
If you want to keep your monthly health insurance expenses in check, you can opt for a high deductible health plan.  Even though these plans have lower premiums, you need to remember that they may increases the risk of more costly medical bills on the backend.  However, on the flip side, one of the big benefits of choosing this type of plan is that you will be able to combine it with a health savings account. This enables you to pay the out of pocket medical expenses using money before it is taxed. This plan is an ideal choice if you don’t plan to use your health insurance much.

Buying Affordable Health Insurance Direct 
Most insurance companies have a great range of policies and you can make the choice by comparing the different plan details that are offered. This can help you understand the benefits of each plan and enable you to choose wisely.

Buying through an agent
If you are overwhelmed and confused with the many choices that are available, you can choose a professional to help. As agents offer different products from several insurers you will be able to choose a product that is most suitable for your requirements.  One of the important things that you need to know is whether or not you qualify for the affordable health insurance coverage plans. Medicaid, Medicare and CHIP (Children’s Health Insurance Program) offer low cost health care for those who qualify.
Medicaid is for those individuals with very income levels. Medicare is for those who are over the age of 65 and CHIP is for children who don’t qualify for Medicaid. You may be able to determine your eligibility by applying for the different health plans at the state health insurance exchange. If you are eligible, you will be able to apply any time of the year.

**Before you choose any insurance plan, it is advisable that you read the fine print so that you are aware of any exclusions and you can make the best, most informed choice.**
Securities offered through The Leaders Group, Inc., Member FINRA/SIPC, 26 W Dry Creek Circle, Suite 800, Littleton, CO 80120, (303) 797-9080
Reuter Capital is not affiliated with The Leaders Group, Inc.

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