Royal Alliance

Gerald W. Thebeau and Patricia J. Hawkins

Welcome!  We have created this web site to help you gain a better understanding of the financial concepts behind investing, retirement, estate planning, and wealth preservation. Included are a number of tools to assist you with financial investments, markets, and planning resources that will aid you in this ever changing world.  Also, there are articles, commentaries, and calculators to assist you.

Our goal is to help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We’re here to help educate you about the basic concepts of financial management and to give you fast, easy access to market performance data.   We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance. We hope you take advantage of this resource and visit us often.

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.

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

Credit Card Debt

How Long Will It Take to Pay my Balance?

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

More Calculators →

Save as Much as You Want — Tax Deferred

There are other savings options available for those who want to contribute more to a tax-advantaged retirement plan than annual limits allow.

Women and Retirement Investing

Focusing on education and the prudent management of retirement plan investments could help many women improve their financial prospects.

Preparing for Medical Expenses with an HSA

A HDHP with a HSA is a strategy that may help reduce current ins. costs while saving for future medical expenses.

Disability Income Insurance

Proper insurance coverage can help ensure your income, assets, and lifestyle are not at risk from a potential disability.

More Newsletters →