Retirement & Estate Planning - Investment Management - Insurance

The advisors of Cal Cap Planning, Inc. are Registered Representatives of and offer securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of California, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, Virginia, Washington, and Wisconsin. No offers may be made or accepted from any resident outside the specific states referenced.
Advisory services offered through Royal Alliance Associates,
Inc., a Registered Investment Advisor.
IMPORTANT CONSUMER INFORMATION:
A broker-dealer "BD", investment advisor "IA", a BD agent,
or IA Representative may only transact business in a state
if first registered in that state, or is excluded or exempt
from registration in that state as a broker-dealer, investment
adviser, BD agent or IA Representative, as appropriate. Follow-up,
individualized responses to persons in a state by such a firm
or individual that involve either affecting or attempting
to affect transactions in securities, or the rendering of
personalized investment advice for compensation, will not
be made without first complying with appropriate registration
requirements, or an applicable exemption or exclusion.
For information concerning the licensing status or disciplinary
history of a broker-dealer, investment adviser, BD agent,
or IA rep, a consumer should contact his or her state securities
law administrator.
Newsletters
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Balancing Medicare and Work-Based Insurance
Read about rules and other considerations faced by workers who are eligible for both Medicare and employer-based health insurance.
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Life Insurance Living Benefits
In addition to the death benefit, life insurance policies can provide other benefits while the policyholder is still alive. Find out more.
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Preparing for Libor to Leave the Building
The London Interbank Offered Rate influences borrowing costs worldwide. Discover why the financial industry wants a more reliable benchmark.
Calculators
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Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.
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Long-Term Care Self Insurance
Will you be able to afford nursing home care?
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Mortgage Refinancing
Determine whether you should consider refinancing your mortgage.
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Estate Taxes
Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.