Retirement Planning & Personal Finance
Whatever the state of the economy, we are deeply concerned
about the personal financial status of our clients. To help
you invest wisely, put aside what you’ll need for
retirement, fund the kids’ education, keep yourself out
of debt, and plan your estate. We can guide you towards the
best decisions depending on your time horizon, your tolerance
for risk, and your current and future financial goals.
Debt And Financial Services
Many Americans are facing the pain of large credit card or
student loan balances that they do not know how to pay off.
We offer complete debt and financial counseling services,
including installment debt consolidation, refinancing, and
We all know how critical the housing crisis has become.
We’ll help you determine whether you qualify for a
mortgage based on your current and projected income, and
we’ll analyze the advantages or disadvantages of
fixed-rate and adjustable mortgages as well as other
aspects of home financing. For older homeowners,
we’ll discuss options such as using a reverse
mortgage as a source of income.
The costs of a college education are continually rising,
far outstripping the normal rate of inflation. We will help
you determine your best approach to save for your
children’s education, which could be either a 529
plan, prepaid tuition plan, or Coverdell account.
We’ll also help you take advantage of other
tax-favorable treatment of education expenses, such as the
Hope and Lifetime Learning Credits.
It is never too early to start planning for retirement. If
you want to live the same lifestyle--or an even better
one--than you do now, you need to start planning for
retirement...NOW. We will help you compare the relative
benefits of stocks, bonds, and other retirement assets, and
will explain the differences between such retirement plans
as standard IRAs, tax-deferred annuities, and Roth IRAs. We
can analyze your projected income and expenses and suggest
investment funding techniques to help you ensure your
golden years 10, 20, and even 50 years from now live up to
We offer estate planning services to help you minimize
federal and state estate tax liabilities, and to
determine if you will have a deficit or surplus of assets
after taxes and settlement costs have been resolved. We
will endeavor to protect your heirs from the unneeded
emotional devastation that can be caused by estate tax
We understand that divorce can be emotionaly and finacially
devistating for husband , wife, and the children. We can
help you go through the divorce process with ease &
less stress. We will analyse your financial situation
and the opposing party's finacial data using our
forensic accounting expertise.