21. What Not To Do In Retirement Planning - Forbes.com Personal Finance What Not To Do In retirement planning Scott Reeves, 05.12.05, 600 AM ET http://tmsyn.wc.ask.com/r?t=an&s=hb&uid=24312681243126812&sid=343126

22. State Farm® - Insurance & Financial Learning PLANNING FOR RETIREMENT Whether you are retired or just in the planning stages, Contact a State Farm agent to discuss your retirement planning options. http://www.statefarm.com/lifevents/retire.htm

Life Events Getting married Having a baby Moving ... your own Find an agent by zip/postal code Advanced Search PLANNING FOR RETIREMENT Whether you are retired or just in the planning stages, statefarm.com can help. Just Starting to Save Identify Needs to Set Goals Start Now How much should I save for retirement? Already Saving Changing Jobs/Careers How much will social security provide? Life Insurance Health and Disability Nearing Retirement Rollovers Transfers Estate Planning Life Insurance ... Long-Term Care Insurance Already Retired How long will my retirement last? Estate Planning Required Minimum Distribution Medicare Supplement Retirement Accounts Roth IRA Traditional IRA TSA/403(b) For Businesses Learn More Retirement Quiz IRA Learning Center Retirement Confidence Survey Calculators ... Tax Center Contact a State Farm agent to discuss your retirement planning options. Life insurance and annuities issued by: State Farm Life Insurance Company (Not licensed in MA, NY or WI) Bloomington, IL

23. Money - Fleming -- ThirdAge Resource site offers information and advice on investing, taxes, wills and retirement planning. http://www.thirdage.com/insider/money/fleming/

Insider Jeff Fleming Share the Wealth You've worked all your life to amass your retirement savings. And you'd like to share the wealth with the rest of your family, too! This week, Jeff helps you straighten out the best ways to cut taxes on financial gifts. Dear Jeff: When my stock split a few months ago I transferred those stocks to my children. My question is, what is the cost basis of these stocks when they sell it? Is it what I paid for it or what the price was at the time of transfer? Jeff Says: If only it were true. If only we were able to establish a new higher basis in our investments when we gifted them to our children. Much to my dismay, and probably yours too, it is only wishful thinking. When your children receive the stocks from you, they also receive your basis. The effect of this basis transfer is that they will realize the same amount of gain if they sell the stock as you would have realized if you kept the stock and sold it yourself. Gifting stock or other property to your children has its advantages. The gifted property is removed from the donor's estate and can be enjoyed by its recipients. Unfortunately, if the primary motivation is to reduce or eliminate the capital gains tax that you will incur upon the sale of the property, then you could consider alternativesincluding gifting to a charitable trustabout which I talk in more detail in a previous article There is one time when property can be left to our children and they will receive a stepped up basis, but it is not one particularly favorable to the donor. At death, property is received by our beneficiaries with a new basis, which is determined on the date of our death. Alternatively, therefore, it might make sense to retain the highly appreciated property until death and gift cash or other non-appreciated assets to your children.

24. Garden State Tax & Financial Services Offers retirement planning, estate planning, education planning, insurance and investment, tax, and accounting services in Rockaway. http://www.myfinancialexpert.com/

Garden State Income Tax Services, Inc. Offers Tax Planning, Tax Preparation, and a variety of Small Business Services. Garden State Financial Services, LLC - Offers Retirement Planning, Estate Planning, Education Planning, Insurance and Investment Advice. Contact Information For further information about Garden State Income Tax Services, Inc. or Garden State Financial Services, LLC please send your emails to the general information email address listed below. For a list of contact emails Telephone FAX Postal address 300 West Main Street, Rockaway, NJ 07866-3309 Electronic mail General Information: bob@myfinancialexpert.com Webmaster: bob@myfinancialexpert.com [ Home ] Garden State Income Tax Services, Inc. Garden State Financial Services, LLC Send mail to bob@myfinancialexpert.com with questions or comments about this web site. Last modified: 01/17/05

25. Still River Retirement Planning Software Software solutions to meet the retirement plans marketplace. http://www.stillriverretire.com/

Retirement Calculations You Can Count On enter products features about us ... contact us Still River Retirement Planning Software, Inc. info@stillriverretire.com

26. Brent Millikan And Company CPA firm offering accounting, tax, audit, retirement planning, and business controllership services. New Smyrna Beach, Florida. http://www.bmcpa.com

Certified Public Accountants 205 Magnolia Street New Smyrna Beach, Florida 32168 USA Home The History of Our Firm Professional Service Capabilities ... Contact Us

27. Finance,Insurance,Real Estate,Stocks :: Guide To Financial Markets In India, Mum Information on stocks, investment, insurance, retirement planning, and real estate. http://www.finanz4u.com/

25 September, 2005 sitemap search help LOGIN: PASSWORD: For Saral d Stocks Topline Shoes, Nuline barred from market The Sebi has barred Topline Shoes and its two directors as well as Nuline Glassware (now known as Pur Opale Creations) and eight of its directors from accessing or being associated with the securities market for five years. Local stocks are a hit in emerging markets IFC sells 6,51,100 shares in Orchid Chemicals Taxes Short-term cap gains tax: Watch out for the swing There is a lot of expectation about the benefits to shares and equity-oriented mutual funds due to the reduction in the short-term capital gains tax to 10%. Group companies miss the EPCG benefit bus SC bench to weigh curative plea on Mauritian tax treaty Auto Oil firms hold on to prices in anticipation of duty cuts Petrol and diesel consumers have been spared a third consecutive price hike as oil companies are holding on to current retail prices in the hope of a fiscal correction in the coming days. Shell to begin auto fuel retailing in India by 2004-end Real Estate Akme to invest Rs 100 cr in real estate Real estate development firm Akme Projects on Wednesday said it planned to invest Rs 100 crore in real estate projects with its maiden venture in Bangalore. US towns threaten India BPOs Japan stocks likely to make modest headway Insurance Allianz Bajaj Life launches group schemes for corporates Allianz Bajaj Life Insurance on Thursday launched a range of group insurance and pension products in an effort to increase business.

28. Impact Technologies Group, Inc. Provides estate and retirement planning software for planning professionals. http://www.AdvancedImpact.com

Top Headlines Microsoft Office System Partner Solution Builder Contest Grand Prize Winner 2003 Impact Selected to Exhibit in Microsoft Booth at ACORD Conference 2003 Impact Named Microsoft Gold Certified Partner for Software Products National Life Insurance Company Adds Advanced Impact's Wealth Strategies to Analyze Financial Plans Using Monte Carlo Method ... Impact Technologies Group Announces Alliance Partnership with Compaq Sales Solutions Streamline the Financial Sales Process Profile Plan Implement Monitor Read More Partners

29. Raymond James - Retirement Planning Calculator Raymond James provides a retirement calculator that gives a very simplisticassessment of your financial situation. http://www.raymondjames.com/retire_calc.htm

@import "/default_style.css"; Contact Us Search Financial Calculators Budget worksheet ... Find an office near you Retirement Planning Calculator You will need a JavaScript enabled browser in order to use this calculator. O ne goal nearly all investors share is planning for a comfortable and secure retirement. That is a commendable goal. People are living longer, which means staying ahead of inflation is more critical than it has ever been. In addition, Social Security's future is uncertain and individuals now typically have several jobs throughout their careers, meaning less likelihood of a long-term financial plan with one employer. This calculator is a very simplistic assessment of your situation and should only be viewed as the first step to increasing your awareness to the level of savings you will need in order to plan for and enjoy the retirement lifestyle you desire. For a personalized and detailed analysis, please contact your Raymond James financial advisor, who has sophisticated retirement planning software that can create retirement plans under different assumptions tailored to your specific financial situation. If you do not yet have a Raymond James financial advisor to assist in your investment and financial planning decision-making, please use our

30. Riskylife Forum Open discussion forums for insurance and retirement planning. http://www.riskylife.com/discus

Welcome to riskylife forum Your browser does not support Frames. Therefore, navigation of riskylife forum will not be aided by having a menu present at all times. The following is the menu made available to those with a frame-compatible browser: Top (Index) Instructions Formatting Troubleshooting ... User Profile Administration (Requires Frames) Click Here to Start

31. Retirement Planning retirement planning information. retirement planning involves setting asideenough money during one s working years to provide income during retirement. http://www.finpipe.com/retire.htm

Retirement Planning Retirement planning involves setting aside enough money during one's working years to provide income during retirement. A simple concept, but a complicated activity once investment choices, governments and taxes are taken into account. In this section of The Financial Pipeline, we hope to deal with these issues simply and effectively. Retirement Savings Choosing An Investment Manager Pension Plans Why Do I Need A RRSP? Canadian RRSP Bonds What is a Money Manager? Who Are All These Financial People? What Do Taxes Have To Do With My Retirement Plans? What Retirement Investment Choices Should I Make? Return to The Homepage

32. Certified Public Accountant In Arizona - Jean DeKraker, CPA CPA firm in Phoenix providing accounting services, financial training, financial planning, seminars, investing, and retirement planning information. http://www.jdk-cpa.com

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33. Isrplan.org retiring retirement finance lifeinsurance insurance+quotes health+insurance. retirement benefits retirement planning small business insurance http://www.isrplan.org/

isrplan.org retiring retirement finance lifeinsurance ... insurance quotes Search Suggestions Term Life Insurance Quotes Health Insurance Medical Insurance Life Insurance Quote ... Early Retirement Try searching these categories Finance Investing Credit Cards Credit Report ... inquire about this domain

34. VolzCPA - James A. Volz, CPA - Cincinnati, Ohio Investing, Taxes, Accounting & R Helping businesses and individuals for over 13 years with their investing, accounting, tax and retirement planning needs. http://www.volzcpa.com

Home About Us Services Community ... IRA Wizard - How much can you contribute? Of the people who are currently receiving long term care, what percentage are in a nursing home? "Great souls have wills; feeble ones have only wishes." -Chinese Proverb One fourth of the persons between ages 51 and 59 are not working and one half of those are retired. Sign Up For Our Newsletter Html Text IRS Announces 2002 Standard Mileage Rates The amounts for the various deductible costs for use of a car will be effective January 1, 2002, and are as follows: Read More I received a Form 1099-G, for my state tax refund. Do I have to include this amount as income on my return? If you itemized deductions on your federal tax return for 1998 or a prior year, and received a refund of state or local taxes in 1999, you may have to include all or part of the refund as income on your 1999 tax return. If you did not itemize your deductions on your federal tax return for t..... Read More How Much Life Insurance Do You Need? Most families have some life insurance, but many do not carry enough. The proper coverage depends, of course, on the facts and circumstances of your situation, such as your age, number of dependents, spouse's earning capacity, and general standard......

35. CPAs And Business Consultants In Bannockburn IL - Goldberg Mechales Charneske & GMCS, Ltd. provides accounting, auditing, bookkeeping services, income tax planning, multistate tax return, management, financial and computer consulting, retirement planning, investment strategies, and cash flow analysis. http://www.gmcscpas.net/pages/750957

36. J.F. Kimmons And Associates, CPAs CPAs offering tax, financial and estate planning, accounting, peer review, business consulting, audits, college and retirement planning, bookeeping, computer consulting, savings, investments. Located in Eastman. http://www.jfkimmons.com

Certified Public Accountants 311 Griffin Avenue Eastman, Georgia 31023 FAX (478) 374-5650 e-mail: jfk@jfkimmons.com We want you to get the best financial and tax help possible. If you have a question which is not addressed here, please contact us via e-mail: jfk@jfkimmons.com or by phone: (478) 374-5442. To explore our home page, click on your topic of interest. We invite you back to our pages often. Bookmark this as a favorite page or make it your first page when you log on. Services to Individuals - Tax planning and preparation, electronic filing, representation before the IRS. Services for Businesses - Business consulting, accounting, payroll, tax services, non-profits, government, utility, other industry services and more. Services for Professionals - Peer reviews, tax controversy assistance, litigation support. Meet some of our Professional Staff Handy Financial Calculators Other Links of Interest Professional Research of Tax Problems and Questions - Please give a brief description of your question and include your name and phone number so we may contact you with pricing information. Obtain Fed Tax ID numbers instantly online - click here.

37. Huntington Retirement Planning Providing checking/savings accounts, CDs, mortgages, loans, retirement plans,online bill pay and other financial services to individuals and businesses. http://www.huntington.com/pas/HNB2100.htm

Search Home Personal Business Customer Service Log In To Select Service Online Banking Online Investments Retirement Connection Online Trust Online Mortgages Business Online Wire Transfers Visual Lockbox Positive Pay Huntington Online ACH A bank invested in people. Checking Savings/CDs Online Services Loans ... FAQ Senior Money Manager Checking Account If you're 50 or older, we have a checking account designed just for you. Huntington Senior Money Manager gives you free checks, the option to earn interest and the ability to customize your account. Home Planning and Tools Retirement Planning Retirement As An Opportunity What does retirement mean for you? Newfound freedom? Travel? An unexpected sense of loss? Plan for all of the possibilities and see retirement as an opportunity to live the life you've imagined. More info Life Event Planning Get the information you need about issues like your Social Security benefits, moving your retirement plan to a new employer, estate planning and taxes, taking IRA distributions and long-term care insurance. More info Roth Retirement Calculators Now or later? When should you pay taxes on retirement savings? Our online calculator helps you measure the benefits of a Roth IRA.

38. Retirement Savings And Financial Planning Software For Individuals And Financial retirement planning software and financial calculators for individuals, financialadvisors, and financial services companies. http://www.torrid-tech.com/

This Retirement Savings software takes into account income from Social Security, Pensions, Defined Benefits, other cash infusions, and unlimited Investments both tax-deferred and taxable. This retirement planning program is for those saving for retirement as well as those already retired. Retirement Savings Planner 2005 - 10th Anniversary Edition - Learn more about: Personal/Couples Editions or Professional Edition Download FREE Demo or View Video Tour QUICK. SIMPLE. VISUAL. For individuals/couples: "Do-it-yourself Retirement Planning." For advisors: "No more headaches from complicated software." So easy anyone can understand it. In less than 15 minutes you can punch in basic data and have Retirement Planner generating meaningful and accurate retirement savings projections. Even more important, the easy-to-read charts display in "red" any projected shortfall. It's also comprehensive. Unlimited investments. Unlimited cash infusions and income streams. Unlimited Expenses. Great for: Individuals, Employees, Plan Participants, Financial Advisors, Brokers, Certified Financial Planners, CPAs, Employee Benefits consultants, TPAs, Plan Sponsors, 401(k) Enrollment Meetings, 401k Education, 403b education, IRA savings, Financial Advisers

39. Bancnorth Investment Group, Inc. - Mutual Fund And Stock Investing For Retiremen Personal finance assistance for investing in mutual funds, stock quotes, stock charts, financial news and calculators for retirement planning. Representatives located throughout New England. http://www.bancnorthinvestmentplanning.com/

Search document.SEARCH.js.value=1 All Topics Banking Insurance Investment Planning Wealth Management Search Tips Investor Relations About Us Careers ... Customer Service College Planning It's never too early to start saving for college. Learn More Investment Planning Bancnorth Investment Group, Inc. believes that a targeted plan is the essential first step in achieving long-term financial goals. Whether you need to roll over a 401(k) or discuss investment strategies, our representatives will offer objective advice and create customized solutions. Our Services What's New Retirement Planning Investment Strategies Goal Planning College Planning ... and more... 401(ok)? It may be time for a free 401(k) checkup. Learn more Our Representatives Market Resource Center Whether you're planning for retirement, funding a college education or protecting your assets, we can help Planning Tools/Calculators Market Analysis Market News ... and more... Account Log In Online Brokerage Log In Learn More Employer Sponsored Plans Log In All other accounts Site Map TD Banknorth Privacy ... Bancnorth Investment Group Privacy Investment and insurance products: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by the bank or any affiliate; and, may be subject to investment risk, including possible loss of value. Insurance products are offered through TD Banknorth Insurance Agency, Inc.

40. International Financial Services And Retirement Planning - Pan Founded in 1911, company offers 401(k) plans, financial planning services, lifeinsurance, brokerage services, and international financial services. http://www.panamericanlife.com/

HOME ABOUT US CAREERS GIFT SHOP ... CONFERENCE CENTER Log In: log in Producer Direct HIPAA Partners IRA/TopHat Net Exchange Pro Colectivo On-line english Katrina Information Center Contribute to the Pan-American Life Employee Katrina Fund Information For Employees Information For Producers Information For Policy Owners/Customers WHAT'S NEW MARKET UPDATE Pan-American Life Issues Katrina Recovery Status Report Pan-American Life Names Camilo J. Salazar Executive Vice President Pan-American Life Names Carlos F. Mickan Executive Vice President and Chief Financial Officer DOW JONES INDUSTR NASDAQ COMPOSITE Quotes delayed by 20 minutes. SITE MAP

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