Richard P. Moran, CFP®

Paul Heising, MBA, CFP®

Lisa McElravey, CFP®

Robert H. Sowder, CFS®, AIF®

21250 Hawthorne Boulevard
Suite 560
Torrance, CA 90503
phone (310) 406-3080
toll-free (866) 406-3080
fax (310) 406-3082
www.smarterdecisions.com

Rich Moran, CFP: rpmoran@smarterdecisions.com
Paul Heising, MBA, CFP: heising@smarterdecisions.com
Lisa McElravey, CFP: lmcelravey@smarterdecisions.com
Robert H. Sowder, CFS: rsowder@smarterdecisions.com
CA

Newsletters

Shows how high-income earners can create tax-free retirement income via workplace plans.

Describes financial burdens associated with end-of-life care and funerals.

Summarizes new 401(k) features introduced under the SECURE 2.0 Act.

Explores how investment strategy changes once retirement begins.

Estimate the annual required distribution from your traditional IRA or former employers retirement plan after you turn age 73.

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

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

Knowing your likely life expectancy is an important factor in making long-term financial plans.