Why we do what we do:
It comes down to the rewards!

Our greatest reward is feeling the absolute TRUST our clients have learned to place in us to do the utmost possible for their best interests.

This trust drives us to continually work to improve our service and management processes to help each client successfully weather the ever-changing economic environment we live in!



"Helping our clients navigate through
life's financial journey!"

 

 



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January 18, 2012 Interim Economic Update

Interim Economic Update
by Max W. Smith, CFP®, CIMA® and
Kent G. Forsey

For the Business Professional Combining Tax and Retirement Planning

Combining Tax and Retirement Planning
by Max W. Smith, CFP®, CIMA®

 

 

Welcome to Hillspring Financial, Inc. where you’ll find a wealth of information in the form of economic updates, research reports, newsletter articles and financial calculators.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this Web site to help you gain a better understanding of the financial concepts behind wealth management and preservation, retirement, investing, estate planning and risk management - insurance. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

Hillspring Financial is dedicated to helping people successfully manage their financial resources, so they can pursue the activities they enjoy most in life. We’re here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance.
 
Hillspring Financial, Inc.
home of the exclusive
Paycheck Preservation System
For additional information regarding our exclusive PPS click here,
 
Paycheck Preservation System
 

 
Calculators

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

More Calculators →

Newsletters

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

Preparing to Turn the Corner

What happens to a multiple-owner business when one of them chooses to retire or must leave suddenly for some other reason? Death, disability, divorce, & bankruptcy are just a few of the events that can affect one owner and threaten the future of the business. This article discusses the reasons why it may make sense for a small business to have a buy-sell agreement in place.

Designating Retirement Plan Beneficiaries

IRAs and defined-contribution plans have become an important component of personal wealth for households. Designating account beneficiaries and keeping the designations current can be a complex — but important — process to perform on a regular basis as certain life events and tax situations can necessitate a change.

Tax Changes for 2012

Mandatory annual inflation adjustments generally affect federal income tax brackets, retirement plan contribution limits, and estate tax exemption levels. Here are some of the major changes that could affect readers in 2012, with a table showing 2012 income thresholds for the six federal income tax brackets.

More Newsletters →