If all investors were the same, then being a financial planner would be easy: Check on a few of your favorite investments, buy a little of this, sell a little of that, then cut out early for the golf course.

Some planners try to operate that way. But there are firms whose principals aspire to more than lowering their handicaps. At CGC Financial Services, we believe the key to handling investments is knowing the goals and ambitions of our investors.

We provide comprehensive financial services, specializing in retirement planning and college funding. Our website explains who we are and how we approach our business.

You’ll also find a wealth of helpful information, including tools to help you evaluate your current position and progress toward your financial goals, educational articles to help you learn more about financial concepts and products, and calculators that will help you assess current and future needs.

Please remember to visit our web site often, as our content is constantly changing.

 
Calculators

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Financial IQ Test

Take this quick quiz to find out your Financial IQ

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Newsletters

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

The Dynamics That Can Drive Inflation

High unemployment and slow wage growth seem to have kept consumer spending and core inflation from growing very rapidly in the first half of 2011. This article reminds investors to keep the potential risk of inflation in mind, because even modest price increases compounded over time can erode the purchasing power of the assets in their portfolios.

Bring Your Life Insurance Home From Work

Only 44% of American households have individual life insurance, a 50-year low. Many workers have life insurance as an employee benefit, however relying on a group policy could mean that coverage ends should a worker's job situation change. This article examines the benefits of term individual insurance and permanent life insurance.

ETFs for the Conservative Investor

The number of exchange-traded funds has grown rapidly in the last decade. Total ETF assets exceeded $1 trillion in March 2011, an increase of more than $200 million over the previous year. This article explains the potential benefits of ETFs and why some of them might appeal to the risk-averse.

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