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.

Cost of Retirement

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

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Car Affordability

How much can you afford to pay for a car?

College Funding

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

More Calculators →

Health Insurance Marketplace

Take a look at changes due to health reform, such as the availability and cost of insurance plan options, and more.

Looking Back, Looking Forward

Various indicators (leading, coincident, and lagging) may be helpful to better understand economic trends.

Signs That You May Not Be Ready to Retire

Some warning signs that you might not be ready to go full speed ahead with the transition from worker to retiree.

HOT TOPIC: Looking Beyond the Bull Market

When the latest “bull market” for U.S. stocks reached the five-year mark on March 9, 2014, the S&P 500 had risen 177% — and only five bulls have lasted longer. This Special Report explains how bull and bear markets are generally defined, compares recent stock performance to historical market trends, and warns about the difficulty of predicting the future direction of financial markets.

More Newsletters →