It's Time for Financial Planning!

to secure your future and your Family's Future!

We're lifelong Professionals dedicated to providing you with our expertise!

The only money that will be there when you get there is what you send on ahead.
Of every 100 Americans born 65 years ago
63 are dependent on friends, relatives or charity to get by,
29 have died, 4 are still working, 3 have NO estate and only 1 is Well to Do.
With 40 years to make it, 9 out of 10 end up dead or dead broke.
Where will you be? Let us help you start today to set aside money for tomorrow.

Retirement Planning

Set your retirement savings goal - NOW!

Take out a sheet of paper and letter down the left side from A thru N. Enter your values suggested below to determine your need. An example is shown at the right for each entry. Tables below assume 4% inflation, 9% return till retirement, and 7% after retirement. This information is for illustrative purposes only and may vary greatly by your saving habits and matching available on company retirement plans.

A.Estimate in today's dollars how much you will need each year during retirement:
70 to 80% of present income may be sufficient.     $ __________

B. Approx how much will you receive from sources other than company retirement:
i.e   Social Security/Pensions etc. 50%.                $___________

C. Subtract B from A. Amount you will have to generate from savings during
retirement - in today's dollars.......                         $___________

D. Years to retirement. Factor from Table A below x _________

E. Multiply C by D. Adjusts for inflation................          $_______________

F. Number of retirement years. (Factor from Table B)    x __________

G. Multiply E by F. Amount needed to accumulate       $______________

H. How much do you have in savings?...................      $______________

I. Years until retirement. Factor from Table C below     x____________

J. Multiply H by I. Value of Savings by retirement     $______________

K. Subtract J from G. Surplus/Short fall............        $______________

L. Years until retirement. Factor from Table D below x____________

M. Multiply K by L. Yearly Saving target. ............       $______________

N. Divide by 12 for monthly required savings.........     $______________

Year: 10 20 30 40
Table A	1.48 2.19 3.24 4.28
Table B	8.83 15.47 20.47 24.23
Table C	2.37 5.60 13.27 31.41
Table D	0.066 0.020 0.007 0.003

Need Help? Contact Us and we'll get you the info you need.

Education Planning
Sites that may be of help you find funding or answer questions.

College Board	College Funding Solutions	College Scholarships
College Aid	College Money	Saving for College
Get Into College	Petersons	Financial Aid
	Dept of Education	Tips for Scholarships

Tax Advantaged Savings
Annuities: Fixed 5.6% and Indexed to 7%
IRA: Regular and Roth 5.6% to 7%
CD Alternatives: No More Taxes
IRA (Insured Retirement Alternatives)
Universal Life = Tax Deferred Growth & Tax Free Income
Single Premium Life: Guaranteed Tax Free Transfer
Transfer from Annuity to Life Insurance to avoid the Tax Time Bomb
Contact us and we'll get you info to help you with your needs.