M. A. Kluemke & Associates

M. A. Kluemke & Associates A full-service financial planning firm committed to helping people achieve their financial goals for M. A. At M.A.

Kluemke & Associates offers a wide range of financial products and services to both individuals and small businesses. By providing sound financial advice and guidance, we believe you will be better able to identify your goals and make informed decisions that will enable you to reach them. Kluemke & Associates, we recognize that each of our clients has his or her unique set of circumstances surroun

ding their financial situation. Our goal, through personalized service and educational information that we have gathered on our website, is to educate our clients about the basics of financial management so that you can retire comfortably and at the time you choose. Our organization’s focus is on clients who are nearing or entering retirement. We know how important it is to continue planning through the retirement years, and we are knowledgeable about the challenges and obstacles that people face in this phase of their lives. We are here to help you plan for and achieve your retirement goals. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and registered investment advisor. Cetera is under separate ownership from any other named entity. Investments are:
*Not FDIC Insured *Not financial institution guaranteed *Not a deposit *Not insured by any government agency

Earnings season kicks off this week — and it couldn’t come at a more critical time. With high valuations, postponed econ...
10/13/2025

Earnings season kicks off this week — and it couldn’t come at a more critical time. With high valuations, postponed economic data, and fresh tariff uncertainty, corporate earnings may be the clearest signal for investors. Join CIO Gene Goldman on this week’s episode of as he breaks down why earnings matter so much for stock prices and market sentiment.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

The savings rate is the government’s estimate of how much U.S. households are saving.
10/11/2025

The savings rate is the government’s estimate of how much U.S. households are saving.

What can be learned from the savings rate?

As market volatility creeps in like a Halloween chill, the Cetera Investment Management team brews up five essential ing...
10/10/2025

As market volatility creeps in like a Halloween chill, the Cetera Investment Management team brews up five essential ingredients for building a resilient portfolio in our latest commentary. From understanding risk tolerance to incorporating alternative investments, this seasonal piece blends timely themes with practical diversification insights to help investors stay grounded—no broomstick required. Read now:

As market volatility creeps in like a Halloween chill, our team brews up five essential ingredients for building a resilient portfolio. From understanding your risk tolerance to adding alternative investments, this seasonal commentary blends spooky themes with smart diversification strategies to hel...

"The only things certain in life are death and taxes." Benjamin Franklin
10/09/2025

"The only things certain in life are death and taxes." Benjamin Franklin

A new LIMRA study shows that 40% of Americans believe the death of a primary wage earner would cause financial challenges.

10/07/2025

Making objective choices can be tough when investing, but many savvy investors know how to keep their decisions emotion-free.

With the government shutdown stalling key economic data, investors are turning to the Fed for clues. Join CIO Gene Goldm...
10/06/2025

With the government shutdown stalling key economic data, investors are turning to the Fed for clues. Join CIO Gene Goldman on this week’s episode of as he breaks down why the FOMC meeting minutes could be the most important release of the week — and what they reveal about the Fed’s growing divide on interest rates.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Personality vs. Pocketbook: Should you lease, finance, or pay cash for your next car?
10/04/2025

Personality vs. Pocketbook: Should you lease, finance, or pay cash for your next car?

Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.

Do you have a will? Is it updated?
10/02/2025

Do you have a will? Is it updated?

When do you need a will? The answer is easy: Right Now.

This Quarterly Recap summarizes market performance, major events and news from Q3 2025. Read more here:
10/02/2025

This Quarterly Recap summarizes market performance, major events and news from Q3 2025. Read more here:

U.S. stocks posted solid gains for the month and quarter with the S&P 500 delivering its best September performance in 15 years and capped its fifth straight winning month. Gains were driven by continued appetites for tech stocks while bond prices rose, and yields declined in anticipation of the Fed...

The federal government has entered its first shutdown in nearly seven years. Check out the latest commentary from Cetera...
10/01/2025

The federal government has entered its first shutdown in nearly seven years. Check out the latest commentary from Cetera Investment Management that breaks down what it means for the economy, markets, and investors-and why staying focused on the bigger picture matters. Read now:

The federal government has entered its first shutdown in nearly seven years. In our latest commentary, we break down what it means for the economy, markets, and investors. While shutdowns can cause near-term disruption, history shows their long-term impact is muted. That’s why staying focused on t...

Learn how insurance deductibles work, and how they can help you save money.
09/30/2025

Learn how insurance deductibles work, and how they can help you save money.

Knowing how insurance deductibles work can help you save money.

Why is this week’s Employment Report a big deal? As the quarter wraps up, key economic data, including Friday’s jobs rep...
09/29/2025

Why is this week’s Employment Report a big deal? As the quarter wraps up, key economic data, including Friday’s jobs report, could shape the Fed’s next move and market direction. Join CIO Gene Goldman on this week’s episode of to learn what to expect and why it matters.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

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2659 W. Lawrence Avenue
Springfield, IL
62704

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