fbpx

Capstone Capital

Auto Insurance

Auto Insurance

When it comes to auto insurance, liability limits are the biggest priority. I normally recommend the highest available liability limits, which are typically $250,000/500,000/100,000, and the highest available deductible, which is usually $1,000. If your liability...

Annuities

Annuities

An annuity is a unique type of retirement account provided by an insurance company which gives certain guarantees and tax benefits. You can deposit money into an annuity over time or as a lump sum, and the insurance company agrees to make guaranteed periodic payments...

401(k) Plans

401(k) Plans

This is a common type of employer-provided retirement plan, especially among large corporations, but it can be set up for any size of company. It is named after subsection 401(k) of the Internal Revenue Code. In 2015 and 2016, the most an employee can contribute is...

SEPs

SEPs

SEP stands for “Simplified Employee Pension.” These are popular among high-income self-employed professionals such as doctors or dentists with no employees or only a few employees. As the owner of your company, you can contribute up to 25% of your income, up to a...

Recommended Wealth Building Books

Recommended Wealth Building Books

Timeless Principles of Financial Security by Adam Dawson, CFP® We put this book at the top of our recommended list because, well, one of our advisors wrote it! This is not your typical financial book. It’s full of real-life stories, including many of Adam Dawson’s own...

SIMPLE IRAs

SIMPLE IRAs

SIMPLE stands for “Savings Incentive Match Plan for Employees.” These are popular among small businesses with less than 100 employees because they provide many of the benefits of conventional retirement plans like 401(k)s, but are much simpler and less expensive to...

Retirement Savings Accounts

Retirement Savings Accounts

In order to encourage people to take responsibility for their own retirement savings, the U.S. government has created several types of retirement accounts which provide significant tax benefits if you abide by the strict rules they have imposed on these accounts....

Umbrella Liability Insurance

Umbrella Liability Insurance

What is an umbrella? It covers any personal liability that exceeds the limits of auto and homeowners insurance policies. It also covers other types of personal liability, such as libel or slander, but does not cover business-related activities. Coverage options range...

Expect the Best & Prepare for the Worst

Expect the Best & Prepare for the Worst

Life is full of surprises! Some are pleasant, and others we really would rather live without. Even with the best of plans, we don’t have complete control over our own health, Mother Nature, or the potentially harmful actions of other people. Are you and your loved...