Baystate Financial Services
Jonathan W. Hiltz, CFP®

 

Hello and welcome to the website for my financial planning practice. I trust that you find it to be informative and useful.

I've spent the past 12 years focused on building long-term relationships with individuals, families and business owners to assist them in achieving their financial goals. In spite of the complexities of the financial world, my approach is straightforward: I want to know where you're at, how you got there, and where you'd like to go. Through insightful questions and attentive listening, I collaborate with clients to determine and clarify their financial preferences, goals and priorities in order to design financial strategies to most efficiently reach those objectives.

Be sure to review our various services and the featured newsletters, which are updated on a regular basis. If you're visiting the site for the first time, please feel free to contact us if you would like more information about a particular service or to schedule a complimentary initial consultation.

 

 

I am licensed and registered to offer products and services in [ME]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Life Expectancy Calculator

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Learning Center

A library of tools to educate you on a wide variety of financial topics.

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Financial Calculators

Tools to help you estimate answers to common financial questions.

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Calculators

IRA Eligibility

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

Roth IRA Conversion

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Mortgage Refinancing

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Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

HOT TOPIC: The Federal Estate Tax Is Back and May Be Here to Stay

The estate tax has been reinstated after being allowed to lapse in 2010. The new estate tax provisions are the most generous in decades — but they are temporary. A far more stringent estate tax is slated to take effect after 2012. Fortunately, a properly structured trust may help some families reduce their potential exposure to the estate tax.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

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 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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