Samuel Behm - Northwestern Mutual

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Janesville, WI
Samuel Behm - Northwestern Mutual

Helping to establish financial peace of mind and developing new advisors to create the same impact.

05/28/2026

THIS is your sign.

Stop procrastinating. Review your financial plan.

Because “I’ll deal with it later” has a funny way of turning into years.

You’re welcome.

Need help? Shoot me a message.

05/26/2026

Small business owners:

Do you actually care about your employees?

No, seriously.

Because if you do…

SET UP EMPLOYEE BENEFITS.

And stop with:

“My employees don’t really care about that stuff.”

They do.

Maybe not today.

But when life happens?

They’ll care.

Retirement plan.
Health insurance.
Short- and long-term disability.
Group Life insurance.

These things matter.

Not only will benefits help you attract and retain better people…

It’s also just the right thing to do.

If you want great employees, invest in them.

Because people help businesses grow.

And people stay where they feel taken care of.

Don’t know where to start?

Shoot me a message — I’m happy to help

05/22/2026

“Why do financial advisors ask for referrals so much?”

Love it or hate it… I’ll tell you why I do.

Starting a financial planning practice isn’t like opening a doctor’s office.

People don’t just walk in looking for help.

Why?

Because when someone goes to the doctor, they already know something is wrong.

Their head hurts. Their stomach hurts.

They’ve identified a problem and want help solving it.

Financial planning is different.

Most people don’t realize there’s a problem until it’s too late.

• They realize too late they weren’t saving enough for retirement

• They don’t think about disability insurance… until income stops

• They don’t realize they’re underinsured… until a family is left with bills

• They don’t realize their tax strategy has holes… until the damage is done

I can’t tell you how many costly mistakes I’ve helped people avoid simply because someone introduced us before it was too late.

The hard part?

I can’t reach everyone.

So yes — I ask for introductions.

Because the best financial problems to solve…

are the ones you catch early.

05/18/2026

A week ago, I said one of the best retirement tips:

Make sure your parents’ financial plan is figured out.

Most people hear that and think:

“I’ll be fine helping them.”

But you’re thinking about it the wrong way.

Think about how they would feel.

No parent wants to become their child’s financial burden.

No one plans for that.

But without a plan…

it happens.

And it’s not just financial.

It’s emotional.
It’s uncomfortable.
It’s something they never wanted.

This isn’t just about protecting your future.

It’s about protecting their dignity.

A little planning now can prevent a lot later.

Shoot me a DM for a financial plan review. Don’t do it for you, do it for them.

05/11/2026

Believe it or not, one of the best retirement tips:

Make sure your parents’ financial plan is figured out.

Hear me out…

I see it all the time — people assume their parents are “set”…

Until later in life, when their parents’ plan becomes… them

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A few real examples:

• No long-term care plan → just as you become an empty nester, it’s time to welcome your new roommates you now have to care for

• Retirement plan falls short → savings run down, and suddenly you’re covering bills or stepping in financially

• Outdated estate plan → assets stuck in probate, family stress, confusion, and fighting over who gets what

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Most of the time, it’s not intentional.

It’s just… never fully planned.

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And stop with:

“They’ve had the same advisor for 30 years, they’re probably fine.”

A lot of advisors manage investments…

but don’t address everything else that matters in retirement.

And if that advisor retires soon — what happens then?

Do you know who’s taking over… or what the plan is?

⸻

This isn’t an easy conversation to have.

But it’s one of the most important ones.

⸻

Because if their plan isn’t clear…

there’s a good chance it becomes your responsibility later.

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If you or your parents want their plan double-checked, feel free to shoot me a DM — I’m happy to help.

04/15/2026

Most parents plan to help their kids… after they’re gone.

Mistake #2 I see parents make when saving for their kids’ futures:

Waiting until you pass away to make an impact.

On paper, it sounds right.

Save. Build. Leave something behind.

But if you live a long life…

your kids might be in their 50s or 60s when they receive it.

The most impactful moments are much earlier —
when they’re most financially vulnerable:

• College
• First car / first home
• Wedding
• Starting a family

That’s when money actually changes the trajectory of their life.

This doesn’t mean don’t leave anything behind.

It just means…

don’t make that the whole plan.

If you have the ability to help…

be intentional about when you do it.

Because timing matters.

04/13/2026

You did everything right…

So why doesn’t retirement feel certain?

You’ve built a career.
You’ve saved consistently.
Maybe you’ve even built a business or a solid 401(k).

On paper, you’re doing well.

But then the questions creep in:

• Is it actually enough?
• Am I too exposed to the market?
• How does this turn into income later?
• What am I missing?

That gap between “I’ve done well” and “I feel confident”…

That’s where most people get stuck.

Because building wealth and turning it into a plan are two very different things.

The people who feel the most confident about retirement aren’t always the ones with the most…

They’re the ones with clarity.

A financial PLAN is the difference..

04/08/2026

“I paid my way through college… my kids should have to too.”

I hear this more than you’d think.

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Mistake #1 I see parents make when saving for their kids’ future:

“I don’t want them to grow up spoiled and entitled.”

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The truth?

Helping your kids financially doesn’t determine how they turn out.

Your values do.

What you teach them.
What you model.
How you raise them.

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The other piece most people miss…

Life today is simply more expensive.

• The median first-time homebuyer was 28 years old in 1991… today it’s around 38–40

• Home prices used to be about 3x income in 1990… today they’re closer to 5x

• College costs have more than doubled (even after inflation) over the past few decades

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It’s not the same environment you grew up in.

⸻

This isn’t about giving your kids everything.

It’s about giving them a better starting point.

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Whether (and how much) you choose to save is personal.

But not saving because you’re afraid of “spoiling them”…

is one of the biggest mistakes I see.

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What parent doesn’t want their kids to have a better life than they did?

04/06/2026

He is risen.

Happy Easter from the Behms!

Grateful for this weekend and the blessings of Christ — hope you were able to feel that as well.

04/03/2026

Quick question:

What’s one piece of financial advice you’ve heard your whole life… that you’re not sure is actually true?

⸻

For example, I hear these all the time:

• “Just max out your 401(k) no matter what”
• “Debt is always bad”
• “You should always buy a house instead of rent”
• “Life insurance is only for people with kids”

⸻

Some of these are right… sometimes.

Some of them aren’t.

⸻

Curious what comes to mind for you.

What’s one money rule you’ve heard that you’ve questioned?

Address

400 Midland Court , Suite 104
Janesville, WI
53546

Website

http://samuelbehm.nm.com/

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