Getting Started

Getting Started

That’s a good start. The next step is to determine your financial goals and create a plan to help you get there. The basics of managing your finances are, with a bit of planning, achievable. And we’re here to help you get there. Let’s get started.


Why Save?
Why Save?

Maybe you’re well on your way to planning for your retirement. If so, congratulations - the earlier you start, the better your chances to reaching your financial goals. But if you haven’t started yet, and you’re wondering why you need to save for the future when there are so many other perfectly good things to do with that money now, read on.

The Cost of Waiting
The Cost of Waiting

Have you begun saving yet for your retirement? Do you think you’ll be okay if you start tomorrow? Or next month? Or next year? Think again. Putting away even a small amount each month can make a huge difference when you’re ready to retire. So what are you waiting for? Start saving today!

Income Needs Calculator
Income Needs Calculator

Whether you want to know how much your pile of money might last, or you want to know how much to save to generate a certain income in the future, this calculator will let your slice and dice income options any way you like.

Investments 101
Investments 101

Understanding all your options is critical to making a smart decision. As a potential investor, are you comfortable with your knowledge of the basic types of investments available to you?

Diversification
Diversification

Your approach to investing for your future should be no different from the way you approach other important decisions in your life: Use common sense and don’t put all your eggs in one basket. This best sums up the concept of diversification.

Market Timing
Market Timing

Like trying to pick the Super Bowl winner before the season starts, attempting to time the ups and downs of the stock market is comparable to a roll of the dice. Even the savviest of investors can’t be 100 percent sure of the outcome. Time in the market – not timing it – may be a wiser strategy.

Dollar Cost Averaging
Dollar Cost Averaging

Imagine going through your monthly bills and you come across a peculiar one labeled “Me.” Why should this be considered odd? After all – from your phone bill to your mortgage payment – it seems you pay everyone else but yourself! With dollar cost averaging, you can add “you” to the monthly recipients of your money, and build your retirement savings.

Tax Deferral Calculator
Tax Deferral Calculator

This calculator shows the hypothetical difference in future value of a specific dollar amount invested in a taxable investment vs. a tax-deferred alternative, both on a pre-tax and after-tax basis.

Life Insurance Calculator
Life Insurance Calculator

This interactive calculator lets you plan to provide for your loved ones in several different ways. Run the numbers, and if you find you don’t have all the resources you’d like to have, we’ll help you find a financial professional who can show you how to fill the gap.

Understanding Market Indices
Understanding Market Indices

Following activity in the financial market can be complicated – the markets are subject to fluctuations in the short run and are influenced by long-term trends. Market indices are indicators of what has already happened in the market, but an understanding of them can be helpful to you in tracking and managing your investments. Here’s an overview of the most recognizable indices.

Understanding Economic Indicators
Understanding Economic Indicators

Economic indicators have the power to move financial markets and directly affect interest rates. The more you know about them, the more confident you can become as an investor.

Retire Calculator
Retirement Calculator

Are you looking forward to the day when you can take it easy? This tool can help you put some concrete expectations to your retirement lifestyle and help you determine if you're on track to achieve that goal.

Roth Contribution Comparison Calculator
Roth Contribution Comparison Calculator

This calculator is designed to help you compare the possible results of investing in a Traditional (pre-tax) and a Roth (after-tax) retirement plan. It provides three points of comparison: Impact on Take Home Pay, Estimated Retirement Account Balance, and Estimated Distributions From Retirement Account. Whether you participate in a 401(k) or 403(b) program, this analysis will assist you in determining which option may be best for you based on your personal financial situation.

Retirement Contribution Rate Calculator
Retirement Contribution Rate Calculator

Are you maximizing the value of your employer-sponsored retirement plan? Try using this contribution rate calculator to see the long-term financial impact of small increases in your contribution rates.