Understanding Today’s Financial Environment
Welcome, I’m Charles Lineberger, a CERTIFIED FINANCIAL PLANNER (R) professional in Cramerton, North Carolina.
Small to midsized businesses ask for our help when they are concerned about the cost and performance of their 401(k) plan, or their employee benefits costs are out of control, or the owners realize they haven’t planned out what would happen with the business when they retire, die or are unable to work anymore.
Individuals rely on us to help them plan for a comfortable retirement, or manage their investments, or improving the probability of meeting their financial goals.
We have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you through all stages of your life, please call 704-867-3628.
Should You Borrow from Your 401(k)?
Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?
Split Annuity Strategy
Here's one strategy that combines two different annuities to generate income and rebuild principal.
Women and Retirement
Women must be ready to spend, on average, more years in retirement than men.
There are common mistakes you can avoid when saving for retirement.
There’s a link between debt and stress.
The true cost of raising a child may be far more than you expect.
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Making a career move requires tough decisions, not the least of which is what to do with the funds in your retirement plan.
What can be learned from the savings rate?
This calculator compares the financial impact of leasing versus buying an automobile.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
Estimate your monthly and annual income from various IRA types.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Using smart management to get more of what you want and free up assets to invest.
How federal estate taxes work, plus estate management documents and tactics.
There are a number of ways to withdraw money from a qualified retirement plan.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some key concepts to understand when investing for retirement
Investment tools and strategies that can enable you to pursue your retirement goals.
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
Making the most of surprises is a great reason to work with us.
Even low inflation rates can pose a threat to investment returns.
Here’s a crash course on saving for college.
Bitcoin’s future is uncertain, but one thing is for sure: it’s the wild west out there, and there is no sheriff in town.