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/

                Please click here for an updated Bulletin 1.6.2012

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.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

IRA Eligibility

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

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

More Calculators →

HOT TOPIC: Looking Ahead in 2012

2011 was a year of slow economic recovery, market volatility, and political conflict over the budget, the national debt, and taxes. All of these challenges continue to face us as we begin the new year. This article presents an overview of some of the issues that bear watching in 2012.

Never Retire? Don't Count on It

In a recent survey, just 40% of wealthy individuals indicated they are totally confident they will have enough money for retirement. The other 60% said they will shun traditional retirement and work as long as possible. However, it could be dangerous to believe that a retirement income shortfall can be overcome by working past the traditional retirement age.

Earning Income from Mutual Funds

More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement. Although mutual funds are often thought of as a tool to build savings, they can also be used to generate income. This article examines the potential income benefits of bond funds, equity or stock income funds, and hybrid funds.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

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