... have to plan for a longer retirement, which means a bigger nest egg or controlled spending.”  ...

... your employer’s retirement plan. Allocating 5% -10% of your income to a 401(k)or SIMPLE IRA that offers matching contributions is possibly the best way to accumulate wealth. Assume that you earn a starting ...

...   “If you don’t put your plan in writing and you’re not specific about your financial objectives you’ll be more likely to make ad-hoc decisions,” according to Michael Alexenko, chartered financial ...

... plan about the possibility that some assistance will be required." That's not to say you must lend financial support, but if you keep a cash cushion for these types of situations, you can make decisions ...

... Bright Start plan is by far your best choice. Furthermore it’s easy to establish, has great investment options and delivers advantageous tax benefits that should not be forfeited. Hopefully you’re reading ...

... your nest egg and early spending of your savings happens. Nothing will derail your successful retirement plans faster than this issue. Keeping the paychecks coming, is rule #1 when it comes to savings ...

... reasonable estimate based on a few calculations that I’ve made for my own situation and also applying that rule to numerous financial plans that I’ve prepared for clients. Assume you have $175,000 in household ...

Estate Planning Many individuals will avoid paying federal estate taxes because the amount that can be passed to the next generation increased to over $10.65 million per couple in 2014, and that amount ...

What is it? - It is an evaluation of key financial variables that determine the security of your lifetime financial independence. Our experience tells us that most people understand financial planning ...

... willing to take only 7% worth of risk then we need to reconcile that gap. Goals will be set for all  areas of your personal profile like: retirement projections, college savings, estate planning and ...

Possibly the greatest value to the financial planning process is that you receive a written document that can serve as a source for information. Investors' financial strategies need to put in writing ...

Financial planning is continuous endeavor but completed on a periodic basis. Complete financial reviews can be completed on an annual basis but more likely every three to five years is sufficient. Investment ...

... service. Financial planning is a complimentary service for people with discretionary investment management relationships that have account values in excess of $375,000. See Fee Schedule for Discretionary ...

... Initiating an Advisory relationship may be best done by engaging us to first complete a comprehensive Financial Plan.  Information uncovered in that process will allow us to then offer you step by ...

... of retirees that plan to stash their retirement funds in wrongly perceived risk free bank savings vehicles. The problem with this plan is that it violates the rules of long term investing that require ...

... reporting that includes self-explanatory cost and quality disclosures of their portfolios and performance presentations that are guided by the CFA Institute's ethical requirements for fair performance ...

... School in the discipline of estate planning. Michael has been an active volunteer with numerous community and charitable organizations like Cadence Health, Anderson Animal Shelter, Junior Achievement ...

... might be changing. Also, we want you to know what kind of investments you own, how and why your portfolio has performed a certain way and what changes we have made or plan to make. RAM accomplished 100% ...

... alternative investments are not uncommon and financial planning problems may be more focused on tax & estate planning and charitable giving. Affluent Investor Class: These are individuals who may ...

... our compensation goes up when your accounts increase in value. Financial Planning - Basic charge of $2,750 for investment portfolio analysis, recommendations for changes to portfolio, retirement projections, ...

... plan rollover from a previous employer or consolidate multiple self-directed IRAs that you may own. We can also help you make the best selections within current plans in which you have active participation. ...

... to consult a professional to enhance the techniques used in managing their money. RAMS knows that investing, unlike speculation, is a disciplined process that requires thorough planning and objective ...

Attorneys draw wills and trusts, but RAMS can help you understand the basics of those docu - ments and the benefits they offer to you. We can help you plan various strategies like: transferring assets ...

Investment advice and financial planning are two distinct financial disciplines. Financial planning gives us a better understanding of our clients’ situations and aids us in the management of their portfolios. ...

... and Consulting Financial Planning and Strategy Development Estate Planning Banking and Insurance Assessment and Optimization Retirement/Pension Consultation Social Security Optimization Retirement ...