Calculators

We invite you to try our calculators to help with your planning needs...

Retirement Savings Calculator - Guides you through the process of estimating the additional savings you will need to meet your retirement income goals.

College Tuition Planner - Estimates future college expenses and the additional amount that would have to be added to your savings to fund those expenses.

Savings Goal Planner - Illustrates how much money you need to save to reach your savings goal in the time you set.

Life Insurance Needs - Estimates the amount of life insurance that would be needed to pay final expenses, to pay off debts, to ensure children are cared for and to set up a family emergency fund in the event of the death of a breadwinner or stay-at-home parent.

Estate Tax Calculator - May help you anticipate your future estate tax liability.

Present Value / Future Value - Allows you to experiment with the components that determine the future value of an investment, including computing the amount you would need to invest today in order to reach a future goal.

Tax-Deferred Accumulation - Illustrates how a tax-deferred investment can grow in comparison to an investment in which earnings are taxable as received.

Future Value of Regular Payments - Shows how much annual contributions to a savings account will be worth in the future.

Periodic Withdrawals from a Lump Sum - Illustrates how much money can be periodically taken out of an account based on the amount of money invested, the growth rate and the payment period.

Amortization - Determines the periodic payment you will have to make to repay a loan in a specified time.

Disclaimer

Financial Concepts, Inc. and its representative, Patrick J. McNamara* is presently licensed to sell traditional life insurance in Michigan, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Insurance services are limited to residents of the above listed state. Residents of other states should consult with a local agent for insurance services.

Variable life and annuity products, as well as other securities products, may be sold in Michigan, Arizona, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington and California (Patrick J. McNamara, California license number OB8885). Residents of other states should consult with a local registered representative for securities products.

Proper state registration is mandatory prior to conducting business in any state.

Securities offered through M Holdings Securities, Inc, a Registered Broker/Dealer, Member FINRA / SIPC. Financial Concepts, Inc. is independently owned and operated. Financial Concepts, Inc. is a member of M Financial Group. Please go to mfin.com and click on "Disclosure Statement" at the bottom of the home page for further details regarding this relationship.