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Welcome to The Master’s Tax & Financial Services

Our website is an information resource designed to help you learn more about personal finance. We believe that good financial decisions don’t have to be confusing. Our hope is that this website will assist you in learning more about tax issues, investing, retirement, insurance, preparing financially for college, estate planning, and wealth preservation.

As in other areas of life, each of us will be more successful in our financial matters if we hold to a clear objective and make decisions in alignment with our objective. Janelle and Richard are prepared to assist you to:

  • Clarify and define your goals
  • Identify solutions that fit your needs
  • File complete and accurate tax returns taking your best elections
  • Plan for future tax events in order to minimize taxes
  • Understand how changing financial conditions affect you
  • Track your financial progress
  • Make investment planning easier (Richard)

Through years of disciplined saving Richard was able to retire from his engineering work early in 2013 at the age of 58. Retirement not only allows more time from grandchildren, but more time for this business. Whatever your future financial goals are - retirement, helping fund college for children or grandchildren, or others - Richard is prepared to help.

No one likes to see a letter from the IRS or state tax or revenue authority, but Janelle excels at helping people work through these situations. Both Janelle and Richard are licensed to represent taxpayers before the IRS.

Please browse our site. It will not only introduce you to our company philosophy and services, but it will also offer a wealth of educational materials, articles, newsletters, calculators, and other tools — all designed to keep you up-to-date on financial issues, strategies, and trends. This educational material is updated frequently.

Helpful Content

Traditional vs. Roth IRA

Traditional vs. Roth IRA

One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.

Life and Death of a Twenty Dollar Bill

Life and Death of a Twenty Dollar Bill

How long does a $20 bill last?

Countering Counterfeit Currency

Countering Counterfeit Currency

Combating counterfeiting remains core to preserving the integrity of the nation’s money.

 

What's So Great About a Rollover?

Making a career move requires tough decisions, not the least of which is what to do with the funds in your retirement plan.

Apps That Help Achieve Goals

If you find it hard to attain personal life goals, there’s an app for that!

Raising Healthy Children

Healthy habits are one of the greatest gifts to give your child.

Planning for Special Needs Children

Planning for a special-needs child can be complicated, confusing, and even overwhelming.

Fallen Tree Damage—Who Pays?

Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.

Donating Art: Taxation Abstraction

The tax rules that govern donating art are complex and confusing. Take a closer look.

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Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Comparing Mortgage Terms

Estimate the total cost in today's dollars of various mortgage alternatives.

Saving for College

This calculator can help you estimate how much you should be saving for college.

Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

How Much Home Can I Afford?

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

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5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

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18 Years Worth of Days

The average retirement lasts for 18 years. Are you prepared to fill that many days?

An Arm and a Leg

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

Retirement Redefined

Around the country, attitudes about retirement are shifting.

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

Tuning Your Social Security Benefit

When should you take your Social Security benefit?

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