Insurance, Investments, Retirement & Estate Planning

 

Capstone Financial Group welcomes you to our website where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports that may help in navigating your way to financial security.  None of us plan to fail, but sometimes we fail to plan.  Financial security starts with a "Plan" and a successful plan starts with knowledge and the end result, goals and objectives in mind. 

 

We hope 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.  We have created this site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation strategies.  Most importantly, we hope you see the potential value of working with financial professionals to pursue your financial goals.

Capstone Financial Group has four areas of focus:

• Individual and Family Financial Services

• Employer Sponsored Benefits & Retirement Plans

• Business Owner & Executive Strategies

• Estate Planning

 

 

We work with individuals, families, and businesses to provide solutions and assistance to improve the likelihood of greater financial stability.

We provide the insurance, investments, and retirement planning solutions to help individuals meet their financial goals and objectives. 

Our specialties include:

  • 401(k) & Other Group Retirement Plans
  • Life Insurance
  • Group Health Insurance
  • Disability Income Insurance
  • Group Benefits
  • Investments
  • Executive Benefit Plans
  • Retirement Planning

 

 

 

 

 

We're very proud of the personal service and expertise we offer and this can start with a COMPLIMENTARY FINANCIAL REVIEW. This is a no-obligation opportunity to discuss  your financial needs and objectives with one of our experienced advisors.  They will conduct a detailed assessment of your current financial situation to help you identify your priorities and goals, and to focus your finances more efficiently on what matters to you.  Simply follow this link to complete the details and we will contact you to arrange a convenient appointment.

Each month we present a SEMINAR: "Financial Security: TEAM Approach and Accountability". These seminars are well attended therefore there's limited available seating.  To register and RSVP, following this link to complete the details and we will contact you to confirm your arrangements and reservation.

We’re here to help you become more knowledgeable about the basic concepts of financial management.  We hope you take advantage of this resource and visit us often.  Be sure to add our site to your list of "favorites" in your Internet browser.  We frequently update our website content and we wouldn’t want you to miss any developments in the area of personal finance.

   

  
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

College Funding

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

Cost of Retirement

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

More Calculators →

Newsletters

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).

Diving into Dividends

Dividends have traditionally been considered a source of income, but they also can be a powerful way to help build savings. A recent study found that dividends contributed 44% of S&P 500 total returns from 1930 through September 2010. This article explains how dividends work and the role that dividends could play in an investor's savings strategy.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

More Newsletters →