Financial Network

Life & Finance in Harmony

Welcome to our Web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

In today's fast paced world, few people have the time or resources to dedicate to managing their investments - whether it involves researching bond ratings, reviewing company earnings, or tracking investment performance.

As your financial advisor, I will alert you to new new opportunities and advise you on changing market conditions that may affect your investments.   It's all part of my long term commitment to my clients.

Why work with a full-service broker?

There are many tangible benefits that you may expect from a full-service broker:

  • Single point access to a wide variety of investment options;
  • Long-term investment planning geared to your goals;
  • Assistance in making decisions concerning Roth IRA conversion, tax-efficient 401K rollover and corporate retirement plan selection;
  • Clear and accurate statement reporting;
  • On line account information and bill paying;
  • A selection of money market funds;
  • An option to automatically reinvest stock dividends;
  • Appropriate year end planning activity to help you reduce capital gains.

Please call at any time to learn more about the benefits of working with a full-service broker.

Nancy L. Daniel, MSA 
Financial Advisor/Owner

Telephone 440.527.0672
Calculators

Cost of Retirement

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

Lease Interest

What's the interest rate on the lease you're considering?

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

More Calculators →

Newsletters

Never Retire? Don't Count on It

In a recent survey, just 40% of wealthy individuals indicated they are totally confident they will have enough money for retirement. The other 60% said they will shun traditional retirement and work as long as possible. However, it could be dangerous to believe that a retirement income shortfall can be overcome by working past the traditional retirement age.

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

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