Are you ready?  Ready to begin your life.  A life with a financial plan.  It's not as hard as you might think.  Are you ready?

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

Savings Accumulation
Estimate the future value of your current savings.

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

Loan Payoff
How much will it cost to pay off a loan over its lifetime?

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Be Ready for a Change in Interest Rates
Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Balancing Stability and Growth
An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

Protection from a Range of Liability Claims
It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

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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