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

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

More Calculators →

Newsletters

Understanding the Appeal of Mutual Funds for High-Income Households

Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

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.

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.

More Newsletters →