FinancialWellness.wrfa.com, Financial, Wellness, Health Fairs, Wellness Fairs, Education, Financial Literacy, Financial Advisors

Eric Berner, CDFA
Financial Advisor

Helping people provide for their loved ones today and live their dreams tomorrow

Welcome!

Here you’ll find a wealth of information in the form of newsletters, articles, calculators, and more. 

Your visit to this site will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. This web site was created to help you gain a better understanding of the financial concepts behind tax strategies, insurance, investing, retirement, estate planning, and wealth preservation. Most important, you will see the value of working with skilled professionals to pursue your financial goals.  You may also request a no obligation quote for life, health, disability, long term care and group health insurance. 

Financial Wellness in the Workplace is a program offered to companies who see their employees as vital assets in their businesses and who recognize that employees who are financially 'fit' tend to be more productive while on the job.  The Federal Reserve Bank of Kansas City has done thorough research on the effects of financial educaiton in the workplace.  If you would like individual information about how Financial Wellness could help you and your company, click here.

We’re 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 performance data. 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 information, and we wouldn’t want you to miss any developments in the area of personal finance.

 

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Calculators

Tax-Deferred Savings

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

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

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Newsletters

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Protection from a Range of Liability Claims

It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

The Financial State of the States

Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

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