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.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

College Funding

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

Capital Gains Taxes

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

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Enforcement Programs Aimed at Small Businesses

While small biz strive to comply with the federal tax code, certain practices could attract attention from the IRS.

Tax Season Never Ends for the Self-Employed

Making accurate quarterly tax payments on schedule can help avoid interest penalties for underpayment.

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.

Turbulent Times in Emerging Markets

Emerging market investments may have the potential for higher average returns over the long term, but there are risks.

More Newsletters →