Financial Planning Services

Welcome to Financial Planning Services

Larry Rosenthal, CFP®,ChFC, RFC, LUTCF, ChFEBC
President of Financial Planning Services

Host of WAVA's "Making Money Sense" radio show, Saturday mornings from 9am to 10am on 105.1 FM  

 

 

 

Statement to our clients

The world of financial planning is a confusing place.  It’s not easy wading through all the information and choices to find the proper investment(s).  Different strategies require different levels of risk.  Today and going forward, we need to consider how will we be able to put our children through college?  What age can we retire?  What will be our level of income during our retirement years?  How can we reduce our taxes today and in retirement?  How can I pass on my estate to my heirs?  What are all of my choices in the world of Financial Planning and how do I learn what is correct for me? 

There are no quick easy answers, but there are solutions.  Financial Planning Services is a team oriented full service Financial Planning firm.  We personalize in Personal Financial Planning.  This includes, but is not limited to, investment management, retirement planning, estate planning, risk management (insurance) and mortgages.  We have a disciplined approach to personalized financial planning.  Our clients are educated through workshops and/or seminars that we teach in many areas of financial planning.  Click here for upcoming workshops and/or seminar schedules.

We hope you find this site valuable enough to bookmark it as one of your favorites.

We advise that you take advantage of the many features that we provide such as the portfolio tracking service. (free).

From our site you can gather current quotes and news on individual stocks and funds.  Maintain and update your own personal portfolio and send us any messages and or questions.  Here you can stay up-to-date on relevant financial topics through our on-line Newsletter.  Thanks for being here!  We appreciate your visit. 

 

 
Calculators

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Mortgage Acceleration

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

Savings Accumulation

Estimate the future value of your current savings.

Credit Card Debt

How Long Will It Take to Pay my Balance?

More Calculators →

Newsletters

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.

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

Building a Business Versus Building Wealth

The market for small businesses has been less than ideal over the past few years. Thus a business owner's efforts to build a successful business may not always translate to an increase in personal wealth. One way to insulate a business owner's personal financial situation from the fluctuating small-business market is by investing outside the company.

More Newsletters →