There's still time to cut taxes for 2018
If you haven't maximized your retirement savings and tax deductions for 2018 there's still time. If you or your spouse have a traditional IRA or Roth IRA you have up until April 15th to contribute up to $5,500 ($6,500 if you're 50 or older) each into an IRA or Roth IRA and have it count for this year.

The benefits of a traditional IRA are reduced taxes meaning more money working for you towards your retirement. A ROTH, on the other hand, doesn't give you a tax break now, but gives you tax free income when you retire. If you don't have one set up yet, let us help.

The best gift of all

If you're like most it can be challenging to figure out what to give your spouse for Christmas. Beyond all the gadgets and latest gizmos why not consider giving them something out of the ordinary, yet probably most important: life insurance. Most of us will spend weeks planning a vacation, yet how much time do we spend on planning our life and how our family would carry on if something should happen to us.

Life insurance gives you and your family peace of mind in the event of your untimely death, but it also gives you supplemental tax-free income upon retirement. Consider it life insurance you don't have to die to use. What better way to show how much you love them? Let us show you how helpful and affordable it can be.

  Save a little now
to have much more later

   Setting a little money aside now to plan for a comfortable retirement later  often feels  like an inconvenience. We're often told so by the media and advertisers, who simply want us to spend, spend and then spend some more. Face it, none of us have  been properly educated on saving in the past or present, let alone the future. We've all been educated on how to spend money. In fact, we started being educated way back when we were kids.
     I remember going to the store with my mom and going down the cereal aisle. I would tug at her skirt to buy a particular brand of cereal because of the cool toy inside. Likewise, back in the late sixties and early seventies gas stations not only catered to mom and dad by filling up their tank, washing the car windshield and checking the oil without anyone getting out of the car, but they also catered to kids by offering some neat gizmo  along with a "fill-up." By the time college rolled around most of us had the coolest stereo system, a car and clothes. That's what we learned about money- how to spend it, not save it.
     Fast forward 30,35 or 40 years later.  Nothing much has changed. Sure technology has exploded, but so has everyone's personal debt. Take time to set a little money aside now. Learn to save rather than spend. Earn interest rather than pay interest. Like having a baby, there is never a convenient time to do it. But in doing so you'll be well on the way to a comfortable retirement rather than an uncomfortable alternative. 


JL Waite Scholarship deadline March 31

 For the tenth year, as our way of saying thanks for giving us the opportunity to serve you we are once again offering the JL Waite Financial Scholarship. The scholarship will be awarded to a high school senior whose parent is one of our clients. The scholarship will be based  on academics, service, along with letters of recommendation and an essay on "why saving for the future is important to me." The application and requirements can be found on our website at http://www.jlwaite.com The application and requirements must be postmarked by March 31 and the scholarship will be awarded in May.

Earn a 5% interest bonus on each deposit for 7 years!

If you're not already getting a 5% interest bonus on your money, now may be the time to start. Introducing the Paramount 5 which credits you a 5% interest bonus on each deposit you make into your 403b, IRA ,ROTH, or SEP IRA. You will also be credited additional interest based on the S&P 500 and a fixed interest account.

"Community Partners" wanted

Do you (or someone you know) have a small business and would like to give back to the community? If so, we want you as a part of our Community Partner Network program. This network of individuals and business owners will donate time and services to schools and organizations throughout the community. In exchange, the business will receive free advertising and promotional recognition. It may be donating items for a school carnival or canned-food to a homeless shelter. If interested, or if you know someone who would be, please contact us.