Morrical Financial Services


Getting the most out of a defined contribution plan takes focus. That's as true for the companies or public agencies that offer defined contribution plans as it is for the staff who benefit from them. It's not good enough simply to offer a defined contribution plan; you need to keep an eye on investment performance and fees, and you need to make sure you and your staff have access to ongoing education that can help plan participants maximize the benefits they get from their defined contribution plan. Morrical Financial Services is dedicated to working with defined contribution plan sponsors. We provide ongoing due diligence services that allow our clients to make sure that their plans are providing participants with the chance to get the most out of their investments while charging competitive fees. We can also provide hands-on retirement planning education and tools for your staff.  Call us today to learn more about the Retirement Plan Advisory Group approach. We'll help you get a much clearer look at your obligations and your options.

For an overview of our plan sponsor service model, please click here.

This website is for informational purposes only and does not constitute a complete description of our services.  This website is not a solicitation or offer to sell securities or investment advisory services.  Information throughout this site, whether stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources we believe to be accurate;  however, we do not guarantee the timeliness or accuracy of same.  Nothing on this website should be interpreted to state or imply that past results are an indication of future performance.  Neither we, nor our information providers, shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmisssion thereof to the user.  There are no warranties expresssed or implied as to the accuracy, completeness, or results obtained from any information posted on this or any linked website.
Calculators

Savings Accumulation

Estimate the future value of your current savings.

Cost of Retirement

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

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

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Newsletters

On the Committees

The closely watched "yield curve" has been fairly adept at signaling the onset of U.S. economic recessions. A yield curve inversion would seem to be a fairly straightforward method for ascertaining the direction of the economy, but more often than not it's not so simple.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

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