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Start planning and stop worrying!

There are a few simple steps you can take to help reduce your worries:

	Put aside some amount regularly in savings or other investments. The compounding of earnings can be substantial. The longer your investment period, the greater the beneficial effect of compounding. We can help you design a budget to make saving easier.
	Don't ignore the impact of taxes on your investment. We will review your investment ideas with you and your investment advisor and suggest the best structure to maximize your after-tax return.
	Diversify your investments. Have some of your money in an investment that is easily converted to cash in case of emergencies. The old adage "don't put all your eggs in one basket" is good advice when it comes to your investments. Review  your portfolio with your financial planner or broker at least annually.
	Plan where you want to be financially by retirement age. The calculators listed below will help you determine your savings requirements. Once you know how much you need to save, put your plan into action. Over 90% of Americans must rely on the government or others for assistance during retirement. With proper planning and diligence, you can be among those who can retire in comfort.
	Pay off your credit card balance every month. Your credit card should be for the convenience of purchasing, not a source of permanent finance. The interest rates are much too high.
	Monitor your investments to maximize your after-tax return. Use the calculator below to compare the long-term results of different interest rates. The difference that a 2% greater return can make in the growth of your investments is dramatic.
	Have your insurance agent do at least an annual review of your insurance needs to determine that you are neither under- nor over-insured. Be sure to contact your agent when you buy or sell any property.

	The Magic of Compounding!

Here are some easy-to-use calculators.

If you could have one of the following as your pay for thirty days' work, which would you choose? (A) $10,000, or (B) a penny the first day, two cents the second day, four cents the third day, eight cents the fourth day, and so on, with each day doubling on out to thirty days.

The $10,000 sounds very attractive, but the fact is that the penny doubled each day for thirty days adds up to over five million dollars. Of course, that is 100% interest compounded daily, a rate not available to most of us working folk. Nevertheless, this example shows you the power of compounding on your investment earnings.

You can get rough answers to your financial questions by using the following calculators and making a few estimates on your part. If we can be of assistance or answer questions for you, please call us.

	College Funding: Do you know how much you need to set aside to fund a college education for your child? Education Funding Calculator
	Retirement: How much must you save each month for your retirement? Retirement Calculator
	Your IRA: What will your Individual Retirement Account (IRA) be worth when you get ready to start drawing on it? IRA Calculator
	Roth IRA: How does a Roth IRA compare to a traditional IRA? Roth Calculator
	Home Purchase: How much house can you afford? Home Loan Calculator
	Mortgage: What will your mortgage payment be? Mortgage Calculator
	Mortgage or Investments: Should you prepay your mortgage or invest the extra money? Financial Calculator
	Mortgage Interest: What is the actual interest rate on a mortgage? Interest Calculator
	Savings: What will your savings grow to? Savings Calculator
	Loans: How do you calculate loan repayment? Loan Calculator
	Prepayment: How do you calculate prepaying a loan, paying off credit card balances, etc? Prepayment Calculator
	Loan Payment: What payment is needed for different loan amounts or different interest rates? Loan Comparison Calculator

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