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.

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

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.

Disability Income Insurance

How much Disability Income Insurance do you need?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70½.

More Calculators →

Insurance to Leave a Legacy

A survivorship life insurance policy could provide benefits at a lower cost than individual life insurance.

Too Good to Be True?

Knowing what to look for could help investors guard against common types of fraud such as pyramid schemes and affinity fraud.

Imagining Your Retirement

Key points to consider as you envision your retirement and work to make your dreams come true.

Taxes Due for Better or Worse

A number of new taxes could affect couples (especially higher-income couples) and lead to surprises at tax time.

More Newsletters →