New Financial Concepts | Serving the Greater Cincinnati and Northern Kentucky Area's Financial Needs

Helping You Plan Your Financial Future

Welcome to our website where you will find a wealth of information in the form of newsletters articles, calculators and research reports.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation.  New Financial Concepts created this website to help you gain a better understanding of the important financial information behind investing, retirement, estate planning and wealth preservation.  Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

At New Financial Concepts, we are committed to educating investors about their options regarding financial security and potential tax reduction strategies.  In addition, we provide straight-forward advice about real life issues which can undermine your financial well being.  If you have any questions or would like to schedule a FREE NO-OBLIGATION consultation or Needs Analysis do not hesitate to give us a call!

 

Stay Connected: Sign-Up for Our FREE Email Newsletter!
Our FREE email newsletter, which is sent out every Friday, will keep you up to date with current market conditions as well as provide valuable investment and retirement information, tips, advice and so much more!


You can also view our web site on your Mobile Device at:  www.nfc123.mobi
Calculators

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

More Calculators →

Newsletters

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

The Budget Control Act of 2011 raised the federal debt ceiling, mandated modest but significant caps on discretionary spending over the next ten years, and left the details of larger deficit reduction to a 12 member, bipartisan “super committee.” The main provisions of the law include the assumption that higher tax rates will return in 2013.

HOT TOPIC: Why Watch the Employment Situation

Labor reports showed some signs of improvement in the second half of 2011. This article takes a closer look at the official reports that track employment, factors that held back job creation after the recession officially ended, and whether recent gains are enough to spark more robust growth.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

More Newsletters →