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Let’s Create A Viable Financial Plan Together

Without financial planning, luck rules your life:

Do you know the best way to eliminate debt?

Will your children be able to attend college?

Do you know to maximize your savings and Social Security Benefits?

Do you know if you can retire comfortably – for the rest of your life?

 

Through financial planning, we discover the potholes in your financial roadway.

Together, we fill them.

 

Personalized Financial Planning

Rukosky & Associates gives you options of topical and all-encompassing financial planning.

Our specialty is listening to you:

Your needs, your wants, your fears.

And responding with workable, comfortable financial planning solutions personalized to you.

 

 

shutterstock_24071257Retirement Planning

Our retirement planning will help you answer two critical questions: “Will I, or do I, have enough?” and “am I investing in things that are appropriate for me?” We will identify your strengths and areas that need improvement to provide you with strong financial planning for retirement.

Planning for college education expenses can avoid, or seriously lessen, this situation for you or your children.College Education Planning

For those of our clients seeking ways to provide their children (or themselves) with a debt-free post-college life, Rukosky & Associates offers in-depth college education expense planning. As U.S. News once wrote, “the difference between the lifetime earnings of a high school graduate and a college graduate is about $2.8 million.” About 70% of college graduates have an average of $33,000 in student loans when they graduate. As a result, student loan debt in the U.S. has swelled to $1.2 trillion, an amount that surpasses credit card debt. Financial Planning for college education expenses can avoid, or seriously lessen, this situation for you or your children.

Rukosky & Associates offers debt elimination planning to help those individuals achieve a debt free lifestyle,

Debt Elimination Planning

The average household credit card debt is $15,609. The total American credit card debt is just under $885 billion. Let’s not be so abstract: every year you spend working off debt from the past means you have less money to spend and less money to enjoy life itself. The real issue surrounding debt isn’t just that money is being thrown away on interest payments. The real issue is that paying off debt equals years of your life literally being sucked away. In answer to this dilemma, Rukosky & Associates offers debt elimination planning to help those individuals achieve a debt free lifestyle, in a shorter time-span than you may think.

To improve your income tax liability and to be able to lessen tax that is owed means understanding your tax liabilities and planning for them.

Tax Planning

Tax planning and tax preparation are intertwined. To improve your income tax liability and to be able to lessen tax that is owed means understanding your tax liabilities and planning for them. In order to accomplish this, a tax professional has to know the tax code and be able to utilize the different elements of the Code to your specific needs. With over 25 years of individual and business tax planning experience, Rukosky & Associates will prepare and discuss the tax planning strategy that is tailored for your particular situation.

Quality estate planning allows you to plan for yourself and your loved ones

Estate Planning

As the saying goes, regretfully, there are only two sure things in life: death and taxes. This is why estate planning is critical. But whereas most of us think estate planning is an older person’s endeavor, it is not. Estate planning can and should begin in much earlier years, such as age 30, because all of us will have assets that we want to conserve and protect for our family and children. At Rukosky & Associates, our goal is to create estates and conserve them.


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