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February 10, 2012 @ 10:46 PM

Dow Jones Industrials 12,801.23- 89.23
Nasdaq Composite 2,903.88- 23.35
S&P 500 1,342.64- 9.31

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R.I.C.H. Planning Group, Financial Planning for Women & Divorce in Woodbridge, Morristown, NJ, New Jersey DBA Logo

 

 

 

 

 

 

"Your Dreams. Our Commitment."

At R.I.C.H. Planning Group, LLC, we understand that trust is the most valued aspect of the client/advisor relationship. Our associates' unparalleled service, financial planning proficiency, and unwavering integrity have created long lasting, personal relationships with our clients. We pledge to give each and every client value for their money, resulting in customer satisfaction. We do not just say we care...we show it.

Our website is full of useful financial information. Please click on the "Articles" and the "Newsletters" links (located at the top of this page) to review various topics, written in an informative and entertaining style. You can also click on the "Associates" link to learn about the members that make up our team.

Subscribe to our Enewsletter, "Let's Talk Money"

For a free, no obligation "Get Acquainted" meeting to explore your financial planning needs, please call either Robert or Craig.

Thanks for visiting our Website!

Woodbridge:  
Robert A. Imparato, Jr. CFP® 732-326-5241

Craig A. Hyldahl CFP®CDFA™

 732-326-5240
FAX: 732-326-5331
Morristown:  
Jody D'Agostini CFP®CDFA™  973-401-2513
Craig A. Hyldahl CFP®CDFA™ 973-401-2513  
FAX: 973-401-1623  

Financial Planning is offered through AXA Advisors, LLC.

CFP®, CERTIFIED FINANCIAL PLANNER ™ and CFP (with flame logo) ® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

Certified Divorce Financial Analyst designation from the Institute for Divorce Financial Analysts.

Newsletters

HOT TOPIC: Will Federal Reserve Tactics Help the Ailing U.S. Economy?

This article looks at policy tools that the Federal Reserve has used in the past and may use going forward in its attempts to spur economic growth. It also explains the possible implications of a long-term, low-interest-rate environment for investors, savers, and retirees.

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

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).

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.

More Newsletters →

Calculators

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Home Affordability

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

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

More Calculators →