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About CERTIFIED FINANCIAL PLANNER Certificants ![]() |
Financial Security by Design 852 Acampo Drive Lafayette, CA 94549 Hours by appointment 925.299.0472 or Fax 925.299.0473 e-mail: lingane@post.harvard.edu |
About Enrolled Agents |
Updated 2/09/2009
OUR PRIMARY ROLE is to provide objective advice to help you manage your financial affairs. Our emphasis is on investment and estate planning. We also prepare tax returns for individuals, estates and trusts.
OUR INVESTMENT PHILOSOPHY is grounded on the principles of Simplicity, Diversification, Cost Control and Tax Awareness.
WE ARE PAID DIRECTLY by our customers. We do not sell insurance or securities. Click here for our special introductory interview and report.
EDUCATIONAL MATERIALS have been prepared to illustrate areas of practice. Click here for a topical bibliography.
The difference between the nominal yields of TIPS and conventional Treasury bonds has been increasing recently as investors bid up the prices of conventional Treasury securities and ignored TIPS. See Benefits and Management of Inflation-Protected Treasury Bonds Journal of Financial Planning, September 2008 (available at www.fpanet.org.)

Annual gift tax exclusion increases to $13,000;
Annual exclusion for gifts to a noncitizen spouse increases to $133,000;
Combined contribution to traditional and Roth IRAs remains $5,000 ($6,000 aged fifty or older);
Elective deferrals to 401(k), TSA, SARSEP and 457 plans increase to $16,500 ($22,000 aged fifty or older);
Section 415 limit increases to $49,000;
SIMPLE elective deferrals increase to $11,500 ($14,000 aged fifty or older);
401(a)(17) compensation limit increases to $245,000; and
OASDI (Social Security) wage base increases to $106,800.
THE FINE PRINT
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