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.

 

Current Clients Click Here To Access your Brokerage Accounts

Current Clients Click Here to Access your Personal Financial Plan Website

 

 Thank you for visiting our website.

 * 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

Capital Gains Taxes

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

Cost of Retirement

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

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

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Newsletters

Building a Business Versus Building Wealth

The market for small businesses has been less than ideal over the past few years. Thus a business owner's efforts to build a successful business may not always translate to an increase in personal wealth. One way to insulate a business owner's personal financial situation from the fluctuating small-business market is by investing outside the company.

Protecting What May Be Your Most Valuable Asset

Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

Giving Strategies That Can Give Back

Americans gave more than $290 billion to charity in 2010, despite the slow economy. About 73% of charitable donations came directly from individuals. This article explains how a charitable remainder trust and a charitable lead trust could be used to provide more control over gifts while potentially benefiting the giver and his or her heirs.

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.

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