Creating Abundance, Inc.

Carl E.Barber, CPA, CFP™

 

It seems that the financial security of Americans is more uncertain than ever. Unprecedented numbers of workers are nearing retirement, or are already retired, and many fear that they have insufficient financial resources to maintain their lifestyles. Others, as a result of divorce or widowhood, find that for the first time in their lives they have the responsibility of managing their own financial affairs and feel unsure about what to do. In addition, employers are cutting back on matching contributions to 401(k)s and freezing or eliminating pension plans. The level of unemployment remains high and personal and business bankruptcies and foreclosures are on record setting paces. Taxes are high and growing higher at all levels of government.
 
This financial chaos mires many intelligent, hard working people in financial quicksand because they feel overwhelmed, discouraged or afraid of making a costly mistake. Selecting a trusted financial advisor to provide useful, timely information, experienced, objective guidance and support you in taking well reasoned action may be one of the most rewarding financial decisions you’ll ever make. Working with you, we would tailor a financial plan that is uniquely yours, reflecting your goals, objectives and personal time-line to enhance your probability of success. The investment portfolio we would research and design for you would reflect your tolerance for investment risk, timing for need and amount of money and desire to minimize taxes.
 
Our clients find that we are always available to answer their questions and provide guidance on a myriad of financial issues, including evaluation of competing proposals for home refinancing, whether to buy or lease a car, or to assess a long-term care policy offered through their employer.
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Calculators

Capital Gains Taxes

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

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

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Newsletters

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

Tax Changes for 2012

Mandatory annual inflation adjustments generally affect federal income tax brackets, retirement plan contribution limits, and estate tax exemption levels. Here are some of the major changes that could affect readers in 2012, with a table showing 2012 income thresholds for the six federal income tax brackets.

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Market Watch

May 21, 2012 @ 02:59 PM

Nasdaq Composite 2,840.66+ 61.87
S&P 500 1,313.78+ 18.56
S&P Mid-Cap 400 924.38+ 19.10
10 Year Treasury Note 1.74+ 0.03

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