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

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Cash Flow Analysis

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

Mortgage Acceleration

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

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

More Calculators →

Newsletters

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

ETFs for the Conservative Investor

The number of exchange-traded funds has grown rapidly in the last decade. Total ETF assets exceeded $1 trillion in March 2011, an increase of more than $200 million over the previous year. This article explains the potential benefits of ETFs and why some of them might appeal to the risk-averse.

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

Designating Retirement Plan Beneficiaries

IRAs and defined-contribution plans have become an important component of personal wealth for households. Designating account beneficiaries and keeping the designations current can be a complex — but important — process to perform on a regular basis as certain life events and tax situations can necessitate a change.

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