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

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

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