Where Return of Capital is as Important as Return on Capital

Our Mission: 

To empower our clients to establish and achieve their life vision by serving as their financial advocate.

 

Service Platform:

Financial Planning *

401k Investment Advisory * 

Portfolio Management *

Retirement Income Planning *

Small Business Retirement Plans *

 

  For further information, please click on the appropriate link.

 

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 * Securities and investment advisory services offered through Royal Alliance Associates Inc. member FINRA/SIPC and a registered investment advisor. Ridgecrest Capital LLC is not affiliated with Royal Alliance Associates or registered as a broker dealer or investment advisor.
Calculators

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Credit Card Debt

How Long Will It Take to Pay my Balance?

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

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Newsletters

Roth IRA Conversion Mistakes Can Be Costly

One popular way to fund a Roth IRA is by transferring assets from a traditional IRA or an employer-sponsored retirement plan. This type of transaction, called a Roth IRA conversion, is simple in theory but can be complicated in practice. If you make certain mistakes, you could lose some key advantages.

Another Year, Another AMT Patch

The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

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.

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