Planning Tools At Berney DuBoff & Abitante, PL we understand that knowledge is power.  We want to help provide provide you with the clarity and confidence you need to make sound financial decisions right here on our site.  Take a look at the articles, FAQs and Java calculators we've provided here and when you are ready to take that next step, contact us to set up an appointment.  Our friendly financial professionals will guide you to a financial move that makes sense for your individual needs.

Business Owner   Articles     Benefits and retirement plans       Benefit plans for small businesses       Disability income insurance for the self-employed       Group health insurance: a valued employee benefit       Group term life insurance       Health insurance for the self-employed       Key employee life and disability insurance       Life insurance for the self-employed       Offering group disability insurance       Retirement plans for small businesses       Split dollar insurance plans       Understanding individual 401(k) plans       What employers need to know about workers' compensation insurance   FAQs     Employee benefits and other issues       How can I boost the morale of my employees without incurring huge expenses?       How can I find good employees for my business?       What are health reimbursement arrangements?       What are incentive stock options (ISOs)?       What benefits should I offer to my employees?   Retirement Planning   Articles     Health care issues       Buying supplemental health insurance--Medigap       Coordinating long-term care insurance with government benefits       Health insurance in retirement       Medicare       Should you buy long-term care insurance?       Understanding long-term care insurance     Saving for retirement       Annuities and retirement planning       Borrowing or withdrawing money from your 401(k) plan       Choosing a beneficiary for your IRA or 401(k)       Closing a retirement income gap       Deciding what to do with your 401(k) plan when you change jobs       Estimating your retirement income needs       Evaluating an early retirement offer       Retirement planning--the basics       Saving for retirement and a child's education at the same time       Taking advantage of employer-sponsored retirement plans       Understanding defined benefit plans       Understanding IRAs       What to do after you've been automatically enrolled in your company's retirement plan   Decision Tools     Retirement planning basics       Building an investment portfolio       Consumer price index inflation calculator       Growth of annual deposits calculator       How taxation can affect your retirement funds       Investing for retirement       Investor Profile and Asset Allocation Calculator       Net worth calculator       Personal cash flow worksheet       Saving for your retirement   FAQs     IRAs       Can I avoid the 10 percent penalty tax for early withdrawals from a traditional IRA?       Can I contribute to a Roth IRA?       Can I roll a retirement plan distribution into an IRA?       Can I set up a traditional IRA?       Can I shift my traditional funds to a Roth IRA?       Can I still have a traditional IRA if I contribute to my 401(k) plan at work?       Can I take money from my IRA without any penalty?       I need money--can I take funds from my IRA?       It's January, and I forgot to contribute to my IRA. Is it too late?       Should I invest in a Roth IRA or a traditional IRA?       Should I withdraw money from my IRA to pay for my child's college tuition?       What are my options if I inherit an IRA or employer-sponsored plan?       What are required minimum distributions and how are they calculated?       What are the rules for IRA contributions?       What's a premature IRA distribution, and what happens if I make one?