Personal Financial Advice

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Interactive Tools

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances.

A Tax Court case provides relaxed guidelines for the use of related party loans, with an administrative cost deduction for the interest.

Applying investment rules increase returns and satisfaction.

We summarize the personal investment lessons to be learned by recent survey of investment pros and wealthy investors.

Investing Made Easy

In uncertain markets, it’s even more important to stick to the basics. We provide two online interactive calculators, and related implementation advice.

Interactive Tax Calculator Addresses Whether To Sell Investments Now Or After Taxes Increase

Plan Savings

Is your brokerage or insurance company offering you a free or low cost 401(k) using using 'Safe Harbor' or SIMPLE provisions? If so your 'free' plan could be costing hundreds of thousands of dollars over a plan with vesting provisions. This will help you calculate the savings, which can be used to improve your bottom line or reward your most loyal employees.

Risk Tolerance Worksheet

Use this to know your tolerance to risk in your finances.

Retirement Investment Allocation

This tool will suggest an allocation of your retirement savings between different types of investment.

Social Security Benefits

Use this calculator to help you estimate your Social Security Benefits.

Amortizing Loan Calculator

Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid.

How Much Retirement Savings Do I Need?

This is one of the most common retirement questions we get. Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. The answer is largely dependant on how much of your pre-retirement income you wish to have in retirement.

401(k) Savings Calculator

A 401(k) can be one of your best tolls for creating a secure retirement. This calculator projects how much you will have under assumptions that you set. The answer is largely dependant on how much of your pre-retirement income you wish to have in retirement.

Seven Biggest Retirement Mistakes

As with most things in life, a few mistakes can dominate the final results achieved.

The Ten Best Ways To Save Big

Here are the most important areas which are often neglected.

Americans Are Wise To Change Retirement Expectations And Planning

The economy is not likely to have as robust a recovery as economists’ current consensus view. We also provide links to online retirement calculators.

The Seven Deadly Money Sins of the Affluent

The early Christian church identified seven sins as the root of evil. The sins were used as a teaching tool regarding recurring temptations.

Affluent Get Big Benefits from the Roth 401(k)

Effective January 1, 2006, a Roth 401(k) option is available. This Roth 401(k) option does not have the income limitations that have previously prevented use of Roth IRAs by affluent persons.