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

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Financial IQ Test

Take this quick quiz to find out your Financial IQ

Savings Accumulation

Estimate the future value of your current savings.

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Newsletters

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

Never Retire? Don't Count on It

In a recent survey, just 40% of wealthy individuals indicated they are totally confident they will have enough money for retirement. The other 60% said they will shun traditional retirement and work as long as possible. However, it could be dangerous to believe that a retirement income shortfall can be overcome by working past the traditional retirement age.

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

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