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 Portfolio Lifespan

How Long Will Your Funds Last?

Estate Taxes

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

Disability Income Insurance

How much Disability Income Insurance do you need?

Cost of Retirement

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

More Calculators →

Homeownership Can Pay Off at Tax Time

Tax incentives available to homeowners, like deducting mortgage interest, can make homeownership attractive to some.

Adding Real Estate to Your Portfolio

An overview of the potential benefits and risks of REITs, and how real estate investments might help provide portfolio balance.

Succession Planning and Life Insurance

How to help survivors from being forced to liquidate the business, sell assets, or borrow money to pay taxes and fees.

Considering UITs

An overview of UITs with a focus on some important factors to understand when adding UITs to a portfolio.

More Newsletters →