Financial Planning Center

Creating a Financial Plan does not have to be difficult.  Use the following link to start your Financial Plan & Financial Independence today.  

Online Financial Planning Form

The following reports are available to help you make important Financial Decisions.  These forms are fillable.  Fax the completed form to 866-705-0529 or email to cfalco@limerickfinancialgroup.com

Effects of Inflation

Inflation is still one of the largest threats to a long and happy retirement.  This report demonstrates the impact inflation has on capital and the growth of income required to really keep up with inflation.  Illustrate the increased yield required to maintain real spending, and the actual shrinking value of a fixed assets.

Lump Sum Distribution

Compare three options for tax treatment of a lump sum distribution from a retirement plan. No special tax treatment (pay ordinary tax on the distribution), special 10 year Average tax treatment, or IRA Rollover. Includes tax calculations using real IRS tax table rates as opposed to an assumed marginal bracket. Shows spendable income before and after tax.

Pension Dimensions 

Sometimes referred to as “Pension Max”, this report shows the income potential of a pension plan single life income option compared to joint and survivor options. The objective is to determine what amount of life insurance would need to be purchased to replace the survivor benefits.

RMD (72t) Analysis

Computes the allowable distributions using 72(t) pre 59 ½ formulas or illustrate the Required Minimum Distribution amounts starting at 70 ½. Each 72(t) option (Amortized, Annuity and Minimum Distribution) includes year-by-year illustration of account balance, distribution amount and after tax spendable amount. Taxes are calculated using real IRS tax rate tables instead of an assumed marginal rate. RMD report shows required distribution each year.

Roth IRA Conversion

Unique opportunities for Roth conversions are just around the corner.  Many investors want to know if they can benefit by converting from an IRA to a Roth.  This flexible conversion analysis includes the special 2010 case with taxes spread into 2011 and 2012.  Reports show taxes paid either from the conversion funds or from outside sources.  Calculations can show effects of converting the account over time versus one lump-sum conversion.