Castlebury's Services While developing a customized financial plan, we will walk you through a step-by-step process that will help make you feel confident in your decisions.Once your goals have been established, we apply our customize approach to suit your vision and objectives. We can help you execute each step because we know that "The best way to predict your future is to create it." Investment Strategies Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snarl some investors. Contact Us For More Information! The Investment Risk No One’s Ever Heard Of You face a risk for which the market does not compensate you, that can not be easily reduced through diversification. Taxable vs. Tax-Deferred Savings Use this calculator to compare the future value of investments with different tax consequences. A Taxing Story: Capital Gains and Losses Understanding how capital gains are taxed may help you refine your investment strategies. You Would Rather Be... Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance. Retirement Strategies Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources. Contact Us For More Information! Dreaming Up an Active Retirement When you retire, how will you treat your next chapter? Systematic Withdrawals in Retirement Taking regular, periodic withdrawals during retirement can be quite problematic. Encore Careers: Push Your Boundaries Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here. Catch-Up Contributions Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers. Estate Planning Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they're carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so. Contact Us For More Information! Four Reasons Millennials Need an Estate Strategy Estate strategies for millennials may sound like less of a concern than retirement, but young adults should prepare now. Test Your Estate Strategy Knowledge Estate management can help ensure that your assets are transferred according to your wishes while managing tax issues. Estate Management 101 A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate. Test Your Estate Strategy Knowledge Estate management can help ensure that your assets are transferred according to your wishes while managing tax issues. Risk Management Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snarl some investors. Contact Us For More Information! Insuring Your Business Against Cyber Liability 90% of small businesses in the U.S. don't protect their data from cyber attacks. Is your business at risk? When Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases. Your Cash Flow Statement A presentation about managing money: using it, saving it, and even getting credit. Eight Mistakes That Can Upend Your Retirement There are common mistakes you can avoid when saving for retirement. Insurance Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance. Contact Us For More Information! The Cost of Medical Care Learn about the risks of not having health insurance in this informative article. What to Look for in a Long-Term Care Policy Here’s a list of 10 questions to ask that may help you better understand the costs and benefits of long-term-care insurance. Errors and Omissions Insurance E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction. The Cost of Medical Care Learn about the risks of not having health insurance in this informative article. Income Strategies One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work. Contact Us For More Information! Suddenly Single: 3 Steps to Take Now Have you found yourself suddenly single? Here are 3 steps to take right now. Crowdfunding—Capital for the 21st Century Crowdfunding continues to gain momentum as more people search the Internet for financing and fundraising alternatives. Buying vs. Leasing a Car Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options. What Our Kids Can Teach us About Saving Money Would you guess that Millennials are effectively saving for retirement? Well, they are.