Holmes & Associates

C. Phil Holmes

Welcome to our Web site, where you'll find a wealth of information.  It is our intention that your visit to our web site helps you to understand the opportunities and rewards that are available when you take a proactive approach to your personal financial situation.


 

Holmes & Associates, Inc. created the Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate strategies for individuals and employee benefits for businesses.


 

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.  As we update information, we wouldn't want you to miss any important information to help you in your area of need.


 

 


 

 Please be advised that presently Charles P. Holmes holds Series 6 Registration Licenses in Alabama, Georgia and Tennessee.  For residents of other states in which registration is not held, proper licenses and registrations must be obtained by Charles. P. Holmes before proceeding further.  No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation.  Securities offered through "Centaurus Financial, Inc. Member FINRA and SIPC" will fluctuate in value and are subject to investment risks including possible loss of principal.
Calculators

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Savings Accumulation

Estimate the future value of your current savings.

More Calculators →

Newsletters

HOT TOPIC: Why Global Investors Are Worried About European Debt

European officials are working on a bailout deal to help debt-laden Greece avoid default, but some are worried a broader eurozone financial crisis may be waiting in the wings. How likely is a Greek sovereign debt default, and how could it affect European and U.S. financial markets?

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

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.

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

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