Financial Options Incorporated

An Asset Accumulation & Preservation Company

Our representatives are insurance and securities licensed in our resident states of New Jersey and Pennsylvania. In addition some of our associates are insurance licensed in the following states - Colorado, Connecticut, Delaware, Florida, Maine, Maryland, New Mexico, New York, North Carolina & Vermont. In addition some of our associates are securities licensed in the following states - Arizona, California, Colorado, Delaware, Florida, Indiana, Maine, Maryland, Michigan, New Mexico, New York, & Vermont. Not an offering or solicitation in any state where representatives are not registered. For specific information on states where reps can conduct securities and/or insurance business, please contact Financial Options Inc. at 609-926-3100.

Calculators

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

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Newsletters

Designating Retirement Plan Beneficiaries

IRAs and defined-contribution plans have become an important component of personal wealth for households. Designating account beneficiaries and keeping the designations current can be a complex — but important — process to perform on a regular basis as certain life events and tax situations can necessitate a change.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some 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.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

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