High Falls Advisors, LLC

Welcome to High Falls Advisors, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

KODAK SIP UPDATE: CHANGES TO FIXED INCOME FUND Beginning 02/01/12 - For an update on the changes to the Fixed Income Fund in SIP,  log in to your T. Rowe Price account and you will receive a pop up ALERT directing you to read more on the coming changes to the Fixed Income Fund (Fund D).

Eastman Kodak files Bankruptcy January 19, 2012  Questions and Answers from Eastman Kodak regarding their bankruptcy filing: http://www.kodaktransforms.com/

                Eastman Kodak Retirees Association: http://ekra.org/ 

 Our website is designed to help you gain a better understanding of the financial concepts behind investing, retirement, estate planning, insurance and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

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. 

High Falls Advisors was formed by a group of financial professionals to provide advice and counsel to individuals and families. Each client family is matched by personality and need to a Client Advisor whose job is to learn all about the client family's needs, objectives and concerns and to represent the family in meetings with the experts in each discipline. The Client Advisor acts as an advocate for designated family members and ensures that effective communications occur between all family advisors and members.

Our typical client is mature, financially conservative, and expects frequent contact and proactive advice.  We work with existing family advisors, when practical, and seek to interpret and enlighten as well as promote timely action in all matters financial.  We use an accounting system that allows us to consolidate family asset/liability reporting, even for areas not under our control.  This approach is the basis for all our decision alternatives.

Calculators

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Savings Accumulation

Estimate the future value of your current savings.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

More Calculators →

Newsletters

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

The Financial State of the States

Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

Another Year, Another AMT Patch

The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

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