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Richard P. Moran, CFP®Paul Heising, MBA, CFP®Lisa McElravey, CFP®Robert H. Sowder, CFS®, AIF®
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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
infor@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

Newsletters

  • Where to Look for Lost and Forgotten Money

    States hold unclaimed property for about one in 10 Americans. Here are some online resources that may help you find out if you’re one of them.

  • Building Blocks for Financing College with Less Debt

    Financing a college education with minimal debt requires planning, saving, financial aid knowledge, research, and sound decision-making.

  • Do You Have a Tax-Smart Withdrawal Strategy?

    Explore the tax treatment of different types of retirement accounts and the tax consequences of withdrawals, especially from multiple accounts.

  • When Buying Is Easy, Paying Later Can Be a Problem

    Spreading out payments for online purchases may be tempting, but shoppers should think twice before committing to installment purchases.

More Newsletters »

Calculators

  • Impact of Inflation

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

  • Life Expectancy

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

  • Net Worth

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

  • LTCI Cost of Waiting

    Estimate the potential cost of waiting to purchase a long-term care insurance policy.

More Calculators »

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