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

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Life Expectancy

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

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Credit Card Debt

How Long Will It Take to Pay my Balance?

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Newsletters

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Earning Income from Mutual Funds

More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement. Although mutual funds are often thought of as a tool to build savings, they can also be used to generate income. This article examines the potential income benefits of bond funds, equity or stock income funds, and hybrid funds.

Getting to Know Your Beneficiaries

Estate conservation issues may be uncomfortable to face, but there's probably no other aspect that is as simple or inexpensive as designating beneficiaries for employer-sponsored retirement plans, IRAs, and life insurance policies.

HOT TOPIC: How to Make the Most of the Payroll Tax Cut

Have you considered what you will do with the extra 2% in take-home pay that you will receive in 2011? An extra 2% might not seem like much, but it could be an opportunity to make a difference in your financial future.

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