New Financial Concepts

Helping You Plan Your Financial Future
Welcome to our website where you will find a wealth of information in the form of newsletters articles, calculators and research reports.
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. New Financial Concepts created this website to help you gain a better understanding of the important financial information behind investing, retirement, estate planning and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

At New Financial Concepts, we are committed to educating investors about their options regarding financial security and potential tax reduction strategies. In addition, we provide straight-forward advice about real life issues which can undermine your financial well being. If you have any questions or would like to schedule a FREE NO-OBLIGATION consultation or Needs Analysis do not hesitate to give us a call!

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Calculators

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Life Insurance

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

Lease Interest

What's the interest rate on the lease you're considering?

College Funding

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

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Newsletters

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

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