Financial advice for your financial success


	*Preparing for your* future...**

Here's some assistance...

Just click on the area of your interest

Below are several categories of financial assistance that may be of value to you. Each section has information that gives you ideas of how to tackle the issues presented everyday. When you go to each section you will discover worksheets to assist you making decisions from how much to contribute to your 401(k) to should you consolidate your debt or not.

401(k)
Planning your retirement needs should include review of your 401(k).
•	find out how much money you will need when you retire
•	should you spend the money in your 401(k) or continue to save it
•	use the calculators to help you determine if you are saving enough

Debt Management
Managing debt is one of the first steps to financial success.
•	discover how long it is going to take to pay off your current credit card bill
•	maybe consolidating outstanding debt could give you an advantage
•	how much can you save by paying off your car loan early

IRA's
IRA's are a great way to help you save for your retirement.
•	should you have Roth IRA or a traditional IRA
•	what kind of annual limits are there on IRA deductions
•	are you saving enough to hit your retirement goals

Asset Allocation
One of the keys to financial success is not timing but proper allocation.
•	are you an aggressive investor with several years to retirement
•	or are you ready to retire and looking to conserve your balances
•	review potential strategies to assist you in managing your risk

Auto's
One of the largest expense items we all have is our car, a little planning can save.
•	trying to decide if you should lease or buy
•	how much can you save by paying off your auto loan early
•	how much of an auto loan can you afford, find out here

College Planning
All parents dream of their kids going to college without the worry of expenses.
•	begin planning today for college expenses that just keep going up
•	heard of a 529 plan, it could be the answer you need to save for college
•	don't delay in your saving efforts, use the calculators to assist you

Mortgages
If you own or are thinking about owning you owe it to yourself to check this out.
•	find out if it makes sense to refinance or stay with your current mortgage
•	how much can you save by paying just a little extra each month
•	we have a good tool for you to compare loans - try it out

Taxes
Taxes - we all enjoy complaining about taxes here are some tips.
•	estimate how big your tax bill will be this year
•	will you get a refund this year or do you get to pay Uncle Sam
•	keep good records to avoid the headaches later

Trusts
Your financial plan may enjoy additional benefits by implementing a trust.
•	just what is a trust and how is it going to help my family
•	here is a quick review of the various types of trusts
•	what kind of assets are in a trust and how is a trust funded

Insurance
An important part of most financial plans is an assessment of life insurance needs.
•	do you have enough life insurance to provide coverage for your family
•	what are some of the pros and cons of term insurance policies
•	now may be the time to reevaluate your life insurance needs

Wills
Often one of the most important tools that is most widely overlooked - wills.
•	don't forget to make sure those left behind are taken care of
•	explore some of the basics that should be a part of most wills
•	where should keep your will, make sure someone knows the secret

Glossary
Don't let all these financial terms make you nervous, here's a cheat sheet.
•	bulls - bears ??? IRA - 401(k) ???
•	large cap - mid cap, no it's not hat sizes, look it up here
•	use this as a reference tool the next time you are scratching your head

Copyright © 2004 Reliance Financial Services, N. A. All Rights Reserved.

[ 401K ] [ Debt Management ] [ IRA's ] [ Asset Allocation ] [ Autos ] [ College Planning ] [ Mortgages ] [ Taxes ] [ Trusts ] [ Insurance ] [ Wills ] [ Glossary ]

Preparing for your future...