Payant Financial

Registered Investment Advisor

At Payant Financial we believe that a plan is a powerful tool. Reaching your long-term financial objectives hinges on having the right plan -- one that fits your unique circumstances and grows with you. Planning your financial future can be a daunting task. That's where Payant Financial Services, Inc. comes in. We're trained, licensed professionals, and we can draw on years of financial planning experience when creating a long-term strategy. Our staff of associates consists of a Certified Financial Planner, (CFP) Compliance Manager, Front Office Manager, Certified Public Accountant (CPA), Marketing Manager and our CEO.  Whether your concern is paying too much in taxes or not having enough money to last throughout your retirement, we can help you.

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COMPLIMENTARY SECOND OPINION MEETING 

Most people need to update their financial plan each year to help ensure that it is in step with their life. If it's been a while, call today.Tell her Tom Payant told you to call!!
Calculators

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

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Newsletters

HOT TOPIC: Current Economic Conditions and the Prospect for Inflation

Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently.

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

Designating Retirement Plan Beneficiaries

IRAs and defined-contribution plans have become an important component of personal wealth for households. Designating account beneficiaries and keeping the designations current can be a complex — but important — process to perform on a regular basis as certain life events and tax situations can necessitate a change.

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