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Welcome to Heritage First.  Please explore our site where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports. 

Your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. This site has been created to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Yet, there is more.  For those interested, you will learn more about defining personal significance after the achievement of financial success.  Significance in preparing vision statements for your family; and sharing stories and values while building family unity.  We encourage philanthropy and help with strategies in charitable giving.

We’re here to help educate you about the concepts of financial planning; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance.  At Heritage First, we appreciate the value of relationship and we welcome the opportunity to be of service.  Thank you for visiting.
Calculators

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Loan Payoff

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

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

More Calculators →

Newsletters

Still Time for Stimulus Benefits

The American Recovery and Reinvestment Act of 2009 offers some short-term tax benefits designed to encourage consumer activity and boost particular sectors of the economy.

HOT TOPIC: The Personal Saving Rate: What It Doesn't Mean to You

The term "personal saving rate" can be misleading. It doesn't define "saving" in the same way that most people do. What should the personal saving rate mean to you?

The Positives of Negative Correlation

Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.

Another Update on the History of the AMT

The future of the AMT is nothing but uncertain. Therefore, it is important to consider the potential effect of the AMT on your tax liability in the coming years.

More Newsletters →