ALWAYS THINKING AHEAD

Welcome to our Web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

Have you ever tried to play Monopoly® without a game board?  Of course not!  But that is exactly what most Americans do every year with their finances.  We will introduce you to a financial process (game board) and organize your financial junk drawer into a simple, easy-to- use, and easy-to-store financial file box.

Organization in the model will make it easier for your financial decisions to be coordinated, integrated, organized and controlled.  Financial decisions will be easier to implement and their results verifiable.

Building your personal wealth and creating financial independence is both an art and a science.  To be successful, you must use a variety of skills in planning the outcome, implementing the plan and controlling the desired results.  Coordinating these three steps is an ongoing and ever-changing process, due to variations in the economic circumstances surrounding your life.

We focus on the flow of your money to effectively improve performance over time.  The use of a visual financial model is a powerful tool for analyzing your present economic situation and developing a new and more effective approach.

 
Calculators

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Credit Card Debt

How Long Will It Take to Pay my Balance?

Disability Income Insurance

How much Disability Income Insurance do you need?

More Calculators →

Newsletters

HOT TOPIC: Breaking Down the Proposed FY 2013 Budget

The 2013 budget released by the White House on February 13 contains proposed fiscal measures that could affect the business and investment climate, the income tax code, and government spending. Considering that Congress will debate and discuss the budget in detail, many of these measures are unlikely to become law as proposed, but they may indicate future developments.

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

The Budget Control Act of 2011 raised the federal debt ceiling, mandated modest but significant caps on discretionary spending over the next ten years, and left the details of larger deficit reduction to a 12 member, bipartisan “super committee.” The main provisions of the law include the assumption that higher tax rates will return in 2013.

HOT TOPIC: European News Causes Market Mood Swings

In recent weeks, the yields on Italian bonds spiked to more than 7%, suggesting the sovereign debt crisis was spreading to a much larger economy and eluding the European Union’s efforts to contain it. The U.S. stock and bond markets have responded to the headlines coming out of Europe. This article explores the role of political risk in U.S. financial market volatility.

More Newsletters →