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.

Required Minimum Distributions

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

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

More Calculators →

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.

Small-Business Borrowing Update

Common financing options that small businesses often rely on to run their operations or finance expansion.

Your Dog May Pose a Liability Threat

Dog owners may want to review their insurance policies to determine whether they have adequate liability protection.

When Your Child Should File a Tax Return

IRS rules regarding who must file are based on the amount and source of income rather than age

More Newsletters →