Bruce Cotter

Now that you are here, now what? Well, this website was created to help you by offering information about myself and how I might be of help to you. In addition, you will find newsletter articles about different financial topics, a full gamut of calculators, e-seminars and research reports. Enjoy to your hearts content!

I concentrate on suggesting to individuals and employers, retirement plan options and investment opportunities. If you are trying to figure out what type of pension plan is appropriate for your situation I can try and help you cut through the clutter and provide suggestions/options that are available to you. 

Company pension plans come in a confusing array of names (Simple IRA, Payroll Deduction IRA, Single K, 401K, SEP-IRA, Profit Sharing, Defined Benefit, Money Purchase). It does not get any easier with Individual pension plans ( IRA, Roth IRA, 403b, non-deductible IRA). I think you get the idea. We can review your choices, find appropriate options for your situation and you choose what fits best.

Your motivation for wanting a plan is a major factor in figuring out an appropriate solution. Are you looking to:

  • Maximize tax deductions?
  • Provide a comfortable retirement?
  • Accumulate money for options in the future?
  • If a company; retain employees?

A Pension Plan gives you options. No plan, no options!

"Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty" Proverbs 21:5
Calculators

IRA Eligibility

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

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

More Calculators →

Newsletters

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

More Newsletters →