Sivak Financial Group


A Comprehensive Financial Services Firm

Welcome to the Sivak Financial Group's Web site where you'll find a wealth of information in the form of newsletters articles, calculators, research reports, access to our team of financial professionals and the ability to easily contact members of Sivak Financial Group with the click of a mouse.  Click on the underlined text to access a link. 

We have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning and wealth preservation.  Most important, we hope you see the value of working with skilled professionals to pursue your financial goals.

We are here to help educate you about the concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data.  We hope you take advantage of this resource and visit us often.  Be sure to add the Sivak Financial Group's website to your "favorites" in your internet browser.  We frequently update the information on the site and we would not want you to miss any developments in the area of personal or business finance.  For assistance with your financial management, or for more information on the Sivak Financial Group, contact us today.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your financial situation.
Calculators

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Lease Interest

What's the interest rate on the lease you're considering?

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Disability Income Insurance

How much Disability Income Insurance do you need?

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Newsletters

Keeping Pace with Social Security

In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future.

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

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