Carol L Hoffer
Contact Me

Office: 734-663-8374

2211 Old Earhart Rd
Ste 165
Ann Arbor, MI 48105-2751

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Dividend Announcement

Northwestern Mutual recently announced a dividend payout for 2010 of more than 4.7 billion dollars - the second largest in our company history - for clients who own life, annuity, DI and long-term care policies.

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Consistency Counts Scorecard

As in golf, the low score wins the game. Find out how Northwestern Mutual’s performance ranks relative to the competition. In times like these, it’s nice to know that Northwestern Mutual isn’t just strong — it’s consistently strong.

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Consistency Counts

Strength on its own can be impressive. When consistency is added, that’s when it becomes real. At Northwestern Mutual, we’ve been able to deliver real strength for over 150 years. Put our strength to work for you.

Strength that works.

Northwestern Mutual receives "best possible ratings"

The four major ratings agencies, Standard & Poor’s, A.M. Best, Moody’s, and Fitch, have each confirmed the company’s insurance financial strength ratings. We take great pride, especially in these economic times, in providing our clients the consistent financial strength that has been our signature for over 150 years.

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Managing Your Money In A Downturn

Northwestern Mutual was recently featured in The New York Times Wealth Matters column, "Never Mind Your 401(k). How’s Your Insurance?" about the importance of managing risk in the current economic environment, and strategies that the wealthy use to manage not only their money but their overall well-being. Northwestern Mutual Executive Vice President Greg Oberland comments about how people should be rethinking and managing their insurance needs in a downturn. Read the article (PDF).

The Quiet Company Reaches 150
 
Since Northwestern Mutual's beginning 150 years ago, it aimed "not to be the biggest but only the best; to value quality above quantity; to rank first in benefits to customers rather than first in size." This statement from the Executive Committee in 1888 still holds true today.
 
See how it all began.

Many people look back on their lives with regret; not for the things they have done, but for the things they have left undone. They find they are more successful than they thought they would be and saved less than they intended. They find themselves in situations that are more complex and less predictable than they anticipated.

That is where I, Carol Hoffer, come in. I take the time to get to know you and your preferences. I can help you anticipate and prepare for the bestand worst scenarios. The relationship I establish with you enables me to focus on your needswhat you want for your family and what you are currently doing.

In a March 2008 FORTUNE magazine survey, Northwestern Mutual was once again has named the most admired life insurance companies in America and in each for the twenty-fifth consecutive year.

Carol Hoffer specializes in long term-care financial issues along with a twenty year career in family counseling. Carol was a medical social worker for five years in a local home health care agency. She understands the multi-generational issues that are both financial and emotional.  Chartered Advisor for Senior Living (CASL) was earned in 2007.

Carol Hoffer's Recommended Articles and Product Information
Business Owners Weigh Long Term-Care Options, an article from The Business Journal, discusses how long term-care insurance can offer tax advantages.

You can find long term-care insurance product information and additional articles at the following locations on Carol's Web site:

Life Events' Family Living Article: Caregiving and Long Term-Care 
Life Events' Retirement Article: Thinking About Your Future Personal Needs
Charitable Giving Techniques

Domestic Partnership Issues
If you're in a long term relationship, you and your partner or significant other likely have shared goals and fiscal responsibilities. Yet, unmarried couples don't have the same benefits and legal protections automatically granted to married spouses.

I understand the financial hurdles that domestic partners face from interwoven finances and joint assets to fewer rights for federal, state and employer benefits. Along with legal and tax professionals, I can help you protect what you value most and recommend solutions to bridge the gaps and meet your long-term financial goals. 

My Mission

As a Northwestern Mutual Financial Network Representative, in all situations I will make those recommendations which I would do for myself and my family if faced with a similar situation.

By matching your needs with innovative solutions utilizing world-class insurance services and internationally recognized investment products, I will do my best to help you protect and provide for those people you care about most. I will work hard to build a relationship with you based on trust and integrity, always striving to provide you with the same level of ethical service that I would expect for myself.
                                                                                                                                                                                                                                                                          I have been honored to receive the Emerald, Sapphire, or Ruby Star Club Award from Northwestern Mutual during the following years: 1990, 1992, 1994-1996, 2000-2001, and 2003-2007 and the Pacemaker Award in 1989-1991, 1993, 2000, 2002-2003, 2005 and 2007.  These recognitions are awarded based upon successful achievement of sales levels

Northwestern Mutual Financial Network

We provide you with access to a nationwide network of representatives, advisors and specialists—people who have invested their time and developed their talents to become experts and they have the knowledge that comes only from experience.

What’s paramount is to have a flexible approach with complementary solutions. We strive to call on the full capabilities of the Northwestern Mutual Financial Network, providing our clients with financial services that allow them to feel assured that their intentions have been understood and their needs are being addressed.