Seniors Financial Services ~ Spicer Wealth Management

Financial Solutions for Your Golden Years

Welcome to the Senior Financial Services and Spicer Wealth Mangement web site where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports. 



Seniors Financial Services and Spicer Wealth Management hopes 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. Bryon Spicer has created this Web site to help you gain a better understanding of the financial concepts behind estate planning,  tax planning, retirement planning , investing and wealth preservation. Most important, Bryon hopes you see the value of working with skilled professionals to pursue your financial goals.

Seniors Financial Services and Spicer Wealth Mangement are here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market data. Bryon Spicer and his associates hope you take advantage of this resource and visit the Seniors Financial Services and Spicer Wealth Management web site often. Be sure to add our site to your list of "favorites" in your Internet browser. Bryon frequently updates our information, and he wouldn’t want you to miss any developments in the area of personal finance.  If you would like a complimentary professional review of your investment, estate, or tax portfolio, please contact Bryon Spicer or one of his associates to schedule a convenient visit.
Calculators

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Financial IQ Test

Take this quick quiz to find out your Financial IQ

Personal Inflation Rate

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

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

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Newsletters

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

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