Carpenter Financial Services: Financial Advisor, Retirement, Investments

 

If you want to start saving for the future or are going through a life changing event such as: 

~ Retirement ~ Death of a loved-one
~ New Job ~ Lump-sum settlement
~ Marriage or divorce ~ Sale of a major asset

or just need some assistance in creating an income stream during retirement, you need an experienced financial advisor* to educate you and guide you in the right direction. 

Please email us or call today to setup a consultation to review your financial plan* to see if you can possibly save money, improve earnings potential and potentially minimize market risk.

Remodel your finances today!  Call a Carpenter.

(800) 782-8067

carpenter@hdvest.net

     

 *Investments are subject to market risks including the potential loss of principal invested.

Calculators

Savings Goals

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

Savings Accumulation

Estimate the future value of your current savings.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

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Newsletters

Averaging Ups and Downs

Stock market volatility was the norm in 2011, and that can be hard on an investor’s nerves. Utilizing a dollar-cost averaging strategy may help even out your portfolio’s ups and downs, as explained in this article.

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.

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: American Manufacturing: Rebound or Renaissance?

During the last decade, U.S. manufacturing lost millions of jobs to foreign competition. The sector appears to be coming back strong, adding almost half a million jobs since 2010 as productivity rises. This article examines the conditions that originally caused the exodus of U.S. industrial production and those that may bode well for its future.

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