Jim Stephan, www.jimstephan.com

 Greetings! I'm Jim Stephan.  My focus is to help you choose & apply the most appropriate financial solutions for your life events. My specialties include:

Please email Jim : jim@jimstephan.com to set up an appointment. I have extensive experience helping Clients manage wealth in Rochester since 1984 and invite you to try my personalized service. As a Registered Representative with Securities America, Inc., a full service independent Broker/Dealer with over 1900 Financial Professionals nationwide; I am also a Financial Advisor offering advisory services through Securities America Advisors, Inc. My advisory practice has always utilized Independent Custodians for holding Client assets and Third Party Record-keeping services for all Trust, Advisory, or Brokerage accounts.

Jim's Licensure & Credentials

Jim's Services

Want to get started? Fax me your latest Portfolio Statement and I'll send you a free, personalized Portfolio Allocation Report (see above). This report uses research by Morningstar to help measure your portfolio returns & risk built into your portfolio. It may be time for us to help control how much risk you allow in your portfolio. Are you taking too much risk for the reward you are receiving?

For my Mayo Clients/Friends, I have provided alternative 403b portfolio allocations, with no fee. See my Mayo 403b Portfolio Allocations page. 

Again, to get started: please email or call me, Jim Stephan, jim@jimstephan.com  or 507-287-6160. You may also contact my Executive Associate Jody Rasmussen for an appointment, jody@jimstephan.com
Calculators

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Credit Card Debt

How Long Will It Take to Pay my Balance?

Car Affordability

How much can you afford to pay for a car?

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Newsletters

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

HOT TOPIC: The Federal Estate Tax Is Back and May Be Here to Stay

The estate tax has been reinstated after being allowed to lapse in 2010. The new estate tax provisions are the most generous in decades — but they are temporary. A far more stringent estate tax is slated to take effect after 2012. Fortunately, a properly structured trust may help some families reduce their potential exposure to the estate tax.

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.

Giving the Gift of Knowledge

A college education is still a good investment. Consider this statistic: The overall unemployment rate reached as high as 9.9% in 2010, but for workers with a bachelor's degree or higher, it did not exceed 5.1%. But a college education can be expensive. There is a tax-advantaged way to accumulate money for a child's or grandchild's education: a Section 529 plan.

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