JSB Financial, LLC Financial Consultants

Building and Protecting Wealth, One Client At A Time

Welcome to JSB Financial, LLC, a full-service financial consulting firm dedicated to building and protecting the wealth of our clients, one client at a time.  We have created a one-stop shop where you'll find a wealth of information in the form of newsletters, articles, calculators, and seminars.



As your personal financial consultant, we can:



  • Help you clarify and define your goals
  • Recommend solutions that fit your personal needs
  • Deliver timely information
  • Explain how changing financial conditions affect you
  • Monitor your financial progress
  • Craft creative income solutions
  • Make investment planning easier
  • Develop tax efficient strategies to help you keep more of your hard-earned money



 

Your financial dreams, big or small, can be a reality.  Regardless of your current financial phase our financial consultants can help create a "Financial Roadmap" just for you.

Your personal "Financial Roadmap" starts with a confidential profile and is impletmented through a three point comprehensive approach which is continually monitored and adjusted as needed.  We will work with you, step by step, with knowledgeable, courteous service with a personal commitment to your success.  - independence really makes a difference.  
Market Watch

January 27, 2012 @ 06:59 PM

Dow Jones Industrials 12,660.46- 74.17
Dow Jones Transportation 5,344.78+ 41.93
Dow Jones Utilities 447.97- 6.07
Nasdaq Composite 2,816.55+ 11.27
Nasdaq 100 2,461.77+ 7.14
S&P 500 1,316.33- 2.10
10 Year Treasury Note 1.90- 0.03
Wilshire 5000 13,819.49+ 3.22
OSX Oil Service Sector Index 239.65+ 2.99

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Newsletters

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

Roth IRA Conversion Mistakes Can Be Costly

One popular way to fund a Roth IRA is by transferring assets from a traditional IRA or an employer-sponsored retirement plan. This type of transaction, called a Roth IRA conversion, is simple in theory but can be complicated in practice. If you make certain mistakes, you could lose some key advantages.

HOT TOPIC: Breaking Down the Debt-Ceiling Compromise

The Budget Control Act of 2011 raised the federal debt ceiling, mandated modest but significant caps on discretionary spending over the next ten years, and left the details of larger deficit reduction to a 12 member, bipartisan “super committee.” The main provisions of the law include the assumption that higher tax rates will return in 2013.

Fixed for Life

More than 40% of Americans ages 36 and older are at risk of running out of money in retirement, according to a retirement readiness study. In fact, almost one-third of people with upper-middle incomes and 13% with high incomes may not be able to pay for basic retirement expenses and uninsured health-care costs after two decades in retirement.

More Newsletters →

Learning Center
  • Articles

    Articles

    Educate yourself on a variety of financial topics.

  • Calculators

    Calculators

    A host of financial tools to assist you.

  • Newsletters

    Newsletters

    Timely Newsletters to help you stay current.

  • E-Seminars

    E-Seminars

    Animated presentations to help you learn and decide.

  • iMoney

    iMoney

    Ideas to help simplify everyday finances.

  • Glossary

    Glossary

    Financial terms from A to Z.

  • Tax Library

    Tax Library

    Manage your taxes and prepare for the upcoming tax season.

Calculators

Net Worth

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

Savings Accumulation

Estimate the future value of your current savings.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

LTCI Cost of Waiting

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

More Calculators →