![]() Divide your income among needs, wants, savings and debt repayment, using the 50/30/20 budget. https://www.nerdwallet.com/article/finance/how-to-budget ![]() Financing a college education in America has become a seriously stressful endeavor. Student loans, while convenient now, can result in crushing debt later. Learn how to be creative during your search; you’ll be surprised by what you find. So make a plan, set clear goals, and research the scholarships of your choice. Then, apply, apply, apply! Experience counts, Call Downs and Associates at 205-221-5454 ![]() Even a profitable business can have cash flow problems. Call Downs & Associates and let us help you. We can evaluate your company's financial condition and estimate required finances and track cash flow. Preparation and a plan will alleviate your stress when you Call Downs & Associates today at 205-221-5454 ![]() Effective estate planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets. We also provide estate and gift tax planning to help transfer your wealth, effectively reduce your estate, thereby minimizing your tax liability both Estate and Individual. Call us at 205-221-5454. ![]() You have probably thought about it, but have you prepared for business succession? With a solid background in tax and other financial matters, we are fully qualified to address the complex issues of business continuation and can assist you in developing a strategic plan for the transition of your business to your successors. Let us help you prepare so that you will be ready when the time comes. Call us at 205-221-5454. ![]() It's never too early to start saving for retirement, but what do you do if you're over 50 and still haven't saved anything? Don't panic, there are ways to start saving today! https://www.forbes.com/sites/nextavenue/2017/10/19/8-ways-to-start-saving-for-retirement-after-50/#271b8d593092 |
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