Derek Hartmann - Wealth Advisor at Fraser Wealth Management

10/10/2026

This weekend, my wife is away, so the kids and I get to spend lots of time together! 😎 It started with this picture and softball practice this afternoon, and finished with dinner and Ghostbusters 1 and 2 this evening (I Ain't Afraid Of No Ghost), before a bedtime story. 👻🧟📖

As a father, husband, and financial planner... These times together are an often reminder that financial planning is about far more than accumulating dollars. It's about purposefully building a life where you have the time, freedom, and flexibility to enjoy the people and things you value the most. ❤️

Maybe that means retiring a little earlier. 🗓️Maybe it means being able to cut back on work, paying down debt sooner, taking more family vacations, or simply better utilizing the free time and energy that you currently have.

Whatever your version looks like, it's worth having a plan to get there. Always here of you'd like to have a discussion on how I might help. 📱📞📨

Have a wonderful weekend all! 🌞🎃

10/07/2026

I was able to get out and early vote in McHenry County today! Easy process with lovely folks working the polls. Don't forget to get out and vote! 😎🗳️☑️

09/05/2026

Gone fishing! See y'all Tuesday! 😊

Be well all!

09/01/2026

I've shared before, my love for competitive mini golf. Well here is an accessible event being put on for those in wheelchairs! If you know someone or an organization that might know someone, please share! It's going to be a fun event. 🎉

1st Annual Kenosha (WI) Wheelchair Mini Golf Championship! ♿️⛳️

September 26, 10am
America's Action Territory

2 Rounds (36 holes)
1st Prize: $100
Awards for 1st, 2nd & 3rd

Entry fee: $30

Register: https://www.mcminimasters.com/wheels

08/27/2026

Financial Independence.... It's a term and goal that can open up many other opportunities in one's life. Do you know what it means? Is it your focus? How could it change your life?

Today, I talk about financial independence (not retirement)and why you should be incorporating it into your goals and plans.

08/25/2026

Not financial planning related, but absolutely the best part of my weekend was Greyson's first tee ball practice! 🥰 He's been so excited, hitting balls off the tee in the basement and practicing his fielding. He's obsessed and I love it!

08/19/2026

How does summer go so quickly?! These two kids of ours, are getting older, taller, smarter AND sassier. 😂

Wishing them and all the other students going back to school, a wonderful year!

And a big thanks to all of the teachers out there. You are special people and we appreciate the knowledge and guidance you provide, while keeping the kids safe, happy and learning.

Here's to a great year for everyone! ❤️

08/18/2026

Today... A quick note about financial coordination and striving for financial independence!

Please reach out if you'd like to have a discussion.

Have a wonderful week!☺️

07/31/2026

This week, the family and I rented bikes and took a bike ride through Peninsula State Park, a nice 10+ mile trip. After stopping at the Eagle Bluff Lighthouse, we started our journey back in. I was talking to them... And nothing. Not a peep. 🚲😴

My kids were lulled to sleep by the bumps and sound of the gravel bike path.

They missed the scenery, the wildlife, and the adventure!

Of course it made my financial planning obsessed brain think.... 🧠

A lot of people unknowingly let the same thing happen with their finances.

Life gets busy. Careers, kids, vacations, sports, and endless to-do lists. Years go by, and before you know it, you've been on "autopilot" with your retirement accounts, investments, insurance, or estate plan.

Being "asleep" financially doesn't usually cause problems overnight.

It's the little things you don't notice over 5, 10, or 20 years that can have the biggest impact:

• Old 401(k)s that were never reviewed.
• Investments that no longer fit your goals.
• Beneficiaries that haven't been updated. BIG OOPS!
• Tax-saving opportunities that were missed. $$$$
• Retirement plans that were never stress-tested.

You don't have to obsess over your finances every day, but you also don't want to sleep through the journey. 😴

Every once in a while, it's worth waking up, taking a look around, and making sure you're still headed where you want to go.

If it's been a few years since someone has taken a fresh look at your financial plan, I'd be happy to have a conversation!

07/28/2026

Are you an educator? Or maybe you know an educator? Maybe you are an educator, AND you also know one! 😊

The 403b system can be extremely tough and confusing to navigate. Most school districts take a hands-off approach with a program that is often littered with expensive options and 'advisors' roaming the halls and lunchroom to make a sale.🙈

Educators are left to navigate the 403(b) program with no real education on what's good or bad.... Often choosing an option that can cost them tens of thousands of dollars and more over their careers!! 💸

If you're an educator—or have a family member or friend who is—I'd be happy to provide a complimentary 403(b) review before the school year gets busy. 📝📚💻

No pressure. No obligation. Just an opportunity to make sure your retirement savings are working as hard as you do.

📩 Feel free to send me a message or give me a call to schedule a time to review your 403(b) plan and options.