Growth versus saving for retirement
 Very few people could “save” enough for retirement with today’s long life expectancies and earlier retirements. If you just “save” – yet do not have growth that exceeds both income taxes and inflation, you are more likely to run out of money. Let’s look at a “perfect world” example. Assume you paid no taxes, saw no inflation, never encountered any setbacks such as unemployment or disabilities. More...
I'm a Recent Graduate - Help!
Time is money—literally. For a recent graduate, time might also seem like an abundant resource, with many thinking they have plenty of time to save for their future – later. The traps of bad credit and debt snare many unsuspecting young adults and cling to their financial history for years. Here are some financial tips to help those starting out in their independent adult lives: More...
Are you ready?
As the saying goes, the only two certainties in life are death and taxes. Unfortunately both are inevitable and unavoidable. If you plan properly, however, you may lessen the hardship on those you leave behind. Since none of us know when our time will arrive—whether you are 35, 55, or 95 it is important you leave instructions. Here is a starting checklist of things to put in place now to help ensure your affairs are in proper order. More...
Honoring Gwinnett's Heroes
 Every day in Gwinnett there are individuals starting new businesses and others who are working overtime to grow their small businesses. For every hardworking small business owner and entrepreneur, there are those selfless individuals who provide critical safety nets for those in our community who need it most by managing nonprofits. And let us not forget our public safety professionals who protect and serve us on a daily basis. These three groups of individuals – small business owners and entrepreneurs, directors of nonprofits, and public safety professionals – are the unsung heroes of Gwinnett that have more impact on our lives and quality of life than most of us realize. More...
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Injury claim basics
 Many times we write about various laws, but that is only part of the legal landscape. The ins and outs of how legal claims and courts works are important. Insurance that is intended to pay these claims is also important. If you win your case, but cannot collect your judgment, what have you accomplished? Our firm handles many types of litigation in the state and federal courts. A lawsuit for a bodily injury in a motor vehicle collision may be filed to collect past and future medical bills, past and future lost wages, and intangible damages such as pain and suffering and physical impairment. More...
The latest news on wills
and estate planning
The latest news about wills and estate planning concerns the latest changes in the law of estate taxes. The good news is that under the new estate tax laws, with a $5.0 million exemption, together with a 35% tax rate, the estate tax will apply to less than 1 percent of Americans. This relief will last for two years. So, the other news is that the changes apply to estates of those dying in 2011 and 2012, as well as to gifts and generation-skipping transfers made in those years. Then, in 2013, the pre-EGTRRA law will return, with a $1.0 million exclusion and a maximum 55% tax rate. More...
Umbrella Coverage
 Thought it would be a good idea to talk about an insurance policy that is important to have for a large share of the insurance population, but many are unaware of. The policy is commonly referred to as EXCESS LIABILITY INSURANCE, or also referred to as UMBRELLA INSURANCE. This coverage provides an additional amount of Liability coverage, above and beyond the basic liability limits of your existing auto, home, boat (watercraft), motorcycle and RV policies. More...
Gwinnett comes out on top
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Jim Maran
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During this holiday season as we reflect on our past accomplishments and set our sights on achieving even greater success in the New Year, one thing is for sure, Gwinnett’s future looks promising and hopeful. As we slowly emerge from a devastating recession, Gwinnett is positioned to come out on top in job creation with stronger communities and vibrant, growing businesses. This is not by chance, but rather because of the tireless efforts and support of a visionary leadership team, a first-rate staff and incredible volunteers and members. More...
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