Tom Luing, Investment Adviser Representative | Capital Management Associates, Inc.

Professional, experienced, financial adviser helping my clients live their dreams!

Welcome.   You'll find a wealth of relevant financial planning information here to keep you up to date on your personal financial situation, and what's going on in the financial world.

What's the first thing that comes to mind when someone mentions your personal financial situation?

Answering that question may lead you to a few questions of your own:

  • Do you want to understand the basic concepts of financial management?
  • Are you looking for a professional, experienced financial management adviser you can trust?
  • Do you want to learn more about me, my background and experience, and Capital Management Associates, Inc.?
  • Would you like to focus on your career, your personal goals and pursue your dreams with confidence that your personal financial situation is entrusted to the best possible financial professional?
  • Are you looking for fast, easy access to market performance data?
  • Do you want to know how market performance affects you?

Work with me, and you can be sure you have the right answers to your questions.  Plus, you'll have easy access to your financial records and performance, along with updates in the financial industry and how they could affect your financial situation.  

My website is designed to help you understand the opportunities and potential rewards available when you take a proactive approach to your personal financial situation. Check out the various options and you'll gain a better understanding of the financial concepts behind insurance, risk management, college planning, retirement planning, estate planning, tax management, and wealth management.  Most important, I hope you see the value of working with me to pursue your personal financial goals. 

Take advantage of the resources I'm offering, and visit my financial website often. You're just one click away from the most current market quotes, and a library of financial information.

Add my website to your list of "favorites" in your Internet browser. I frequently update the information to help you to stay current on all the financial news and developments.
Calculators

Life Insurance

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Lease Interest

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Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Financial IQ Test

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Newsletters

Understanding the Appeal of Share Buybacks

The amount of money devoted to corporate stock buybacks surged throughout 2010 and 2011 as large companies sought ways to spend their cash stockpiles and reward shareholders. This article looks at how corporate buybacks work, why they have become more common in the current economic climate, and what they typically mean for investors.

Giving Strategies That Can Give Back

Americans gave more than $290 billion to charity in 2010, despite the slow economy. About 73% of charitable donations came directly from individuals. This article explains how a charitable remainder trust and a charitable lead trust could be used to provide more control over gifts while potentially benefiting the giver and his or her heirs.

Averaging Ups and Downs

Stock market volatility was the norm in 2011, and that can be hard on an investor’s nerves. Utilizing a dollar-cost averaging strategy may help even out your portfolio’s ups and downs, as explained in this article.

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy.

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