Calrima Financial & Insurance Agency

Financial Pain Reliever (tm)

 

 

At CalRima our team identifies, isolates and helps eliminate financial issues that can impact your future, thus providing you with financial peace of mind during your retirement.

 

Give our team a call to findout what might be hidden from your financial view.  One thing our clients say is the complementary appointment was time well spent.  Our toll-free number is 866-589-9366.

Some of the items reviewed during our comprehensive review:

  • Life Insurance - term, whole life, universal, permanent.
  • Long-term Care - Is your plan appropriate?  Should you buy Insurance to protect your future?
  • Health Insurance - Do you have a Health Savings Account (HSA) are you fully funding it?  Is your health coverage appropriate for your needs?
  • Long-term Disability - does what you have cover you today? If not the insurance company won't honor a claim.
  • IRA Accounts - we start with 106 points on our check list.  Items that are commonly found to have issues are the beneficiary statement and what will happen with the account when you pass - what planning has been done (usually none).

If you want to settle your curiousity/concerns - and rest knowing you are covered - call us at 1-866-589-9366 toll-free.


 

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Calculators

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Lifetime Earnings

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

Capital Gains Taxes

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

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

More Calculators →

Newsletters

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?

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

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.

More Newsletters →