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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

E-mail:

Newsletters

  • Key Retirement and Tax Numbers for 2021

    IRS cost-of-living adjustments affect retirement plan contribution limits and certain tax considerations. Explore these 2021 adjustments.

  • Working While Receiving Social Security Benefits

    Do you understand the Social Security retirement earnings test and how it may affect your current and future Social Security benefits?

  • Watch Out for These Financial Pitfalls in the New Year

    Financial opportunities and potential pitfalls can appear at any time. Here are common money mistakes to avoid at various stages of life.

  • Four Questions on the Roth Five-Year Rule

    This article provides an overview of two versions of the Roth five-year rule and how they apply to various situations.

More Newsletters »

Calculators

  • Required Minimum Distributions

    Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 72.

  • LTCI Cost of Waiting

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

  • Mortgage Refinancing

    Determine whether you should consider refinancing your mortgage.

  • Impact of Inflation

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

More Calculators »

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