Planning for the Future...That's my Job

Are you overwhelmed when you think about the components involved in planning for the future, for you and your family?  You're not alone...and you don't have to go it alone.

Meet Tony Ricci, CFP® a CERTIFIED FINANCIAL PLANNER™ practitioner, a professional advisor who specializes in helping you design your preferred lifestyle.  After gaining an understanding of your specific needs, Tony can help you make choices about all types of insurance-life, individual and group health, dental, disability, long-term care and travel-to help you direct your own destiny.

Click on "Request a Quote" to contact Tony directly about your insurance needs and schedule a free, no obligation consultation.  If you'd rather apply directly to providers, click on the appropriate link under "About Us."

When planning is done right, it's exciting and empowering.  Tony can help you safeguard your standard of living and the people in your life with whom you wish to share your future and legacy.  You'll be glad you put your future in his hands.
Calculators

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

Disability Income Insurance

How much Disability Income Insurance do you need?

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Newsletters

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

Doing Your Heirs a Favor

Although a will and a trust specify disposition of assets, many other details of an individual’s final wishes might be explained in a letter of instructions. This article offers some topics to consider addressing in the letter to help loved ones make decisions and take care of final arrangements.

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