On Target Financial

Welcome!  This Web Site has been designed for our clients: Retirees, Pre-Retirees, Entrepreneurs, Business Owners, and Independent Contractors. 

"It's not the return on my money -
it's the return of my money."
                                   - Will Rogers

 

SEMINAR ALERT!

Check the Seminar page for the dates and location to our next valuable planning seminar.

 

 

MISSION STATEMENT

DO THE RIGHT THINGS, THE RIGHT WAY, FOR THE  PEOPLE WHO NEED IT THE MOST, EVERY DAY

 This philosophy is and has always been my approach to helping clients.  Money is not the end all, but a means to building the life you want and avoiding a life you will regret. Too often numbers are gathered and plans are formed outside the very context they are intended to address: our quality of life and our sense of emotional well-being. You cannot number crunch your way to emotional well-being and quality of life; nor can you achieve these ends without crunching the numbers and making necessary adjustments. So I take the aproach of first helping my clients think about their lives and how they want them to evolve based on their values and goals.
Calculators

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Loan Payoff

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

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

More Calculators →

Newsletters

HOT TOPIC: Breaking Down the Proposed FY 2013 Budget

The 2013 budget released by the White House on February 13 contains proposed fiscal measures that could affect the business and investment climate, the income tax code, and government spending. Considering that Congress will debate and discuss the budget in detail, many of these measures are unlikely to become law as proposed, but they may indicate future developments.

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

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.

More Newsletters →