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! What Is My Risk Tolerance? This questionnaire will help determine your tolerance for investment risk. Contributing to an IRA? Determine if you are eligible to contribute to a traditional or Roth IRA. Should I Invest in Gold? Learning more about gold and its history may help you decide whether it has a place in your portfolio. A Taxing Story: Capital Gains and Losses Understanding how capital gains are taxed may help you refine your investment strategies. 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! My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates. Is a SEP-IRA Right for Your Business? For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration. Healthcare Costs in Retirement Without a solid approach, health care expenses may add up quickly and potentially alter your spending. 9 Facts About Social Security There are things about Social Security that might surprise you. 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! Trends in Charitable Giving Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits. Yours, Mine and Ours: Estate Strategies for Second Marriages Second marriages are a trigger event to revisit any existing estate strategies. A Brief History of Estate Taxes Federal estate taxes have long since been a lucrative source of funding for the federal government. Yours, Mine and Ours: Estate Strategies for Second Marriages Second marriages are a trigger event to revisit any existing estate strategies. 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! When to Self-Insure Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails? What Is My Risk Tolerance? This questionnaire will help determine your tolerance for investment risk. Rebalancing Your Portfolio Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical. Are Alternative Investments Right for You? With alternative investments, it’s critical to sort through the complexity. 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! Planning for the Expected You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health. Protecting Your Home Against Flood Loss Protect yourself against the damage that your homeowners policy doesn’t cover. Insurance Needs Assessment: For Empty Nesters and Retirees Do your insurance needs stay the same when the nest empties? Variable Universal Life Insurance Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested. 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! Coaches Coaches have helped you your whole life, in ways big and small. We’d like to be one of them. Crowdfunding—Capital for the 21st Century Crowdfunding continues to gain momentum as more people search the Internet for financing and fundraising alternatives. The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. The Lowdown on Those Free Credit Scores What’s the deal with your yearly free credit report?