the Daniel Group

 

As with most things in life, the key to achieving your long-term financial objectives is planning. Of course, planning your financial future can be intimidating. Even so, it’s important to determine what you’d like to achieve financially and then map out a strategy to reach those goals.
 
The good news is that it is never too late to start. And more importantly, you don’t have to do it alone.  Our approach is to focus on the goals and objectives of our clients and to create a comprehensive strategy structured around those goals and objectives.  We will help guide you during your accumulation years, through your retirement, and into legacy planning.
 
Please use our Web site as a resource, and do not hesitate to contact us for additional information.
Calculators

Federal Income Tax

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IRA Eligibility

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Roth IRA Conversion

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Financial IQ Test

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Newsletters

Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

Giving Strategies That Can Give Back

Americans gave more than $290 billion to charity in 2010, despite the slow economy. About 73% of charitable donations came directly from individuals. This article explains how a charitable remainder trust and a charitable lead trust could be used to provide more control over gifts while potentially benefiting the giver and his or her heirs.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

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