Andover Financial Advisors

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financial topics.

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you.

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ANDOVER FINANCIAL

249 Lowell St.
Andover, MA 01810
Phone: 978-475-1812,
800-878-1812
FAX: 1-866-232-8728

Email:
charles.erban@ingfp.com

Welcome to our Web site, where you'll find a wealth of information in the form of newsletter articles, calculators, and research reports.

We hope your visit will help you understand the opportunities and potential rewards that become available when you take a proactive approach to your personal financial situation.

Mr. Erban created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate analysis, and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals.

We're here to help inform you about the basic concepts of financial services, to help you hear more about who we are, and to give you fast, easy access to market performance and data. Were here to help you understand the financial world. If we can help, call us at 800-878-1812.

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. We frequently update our information and we wouldn't want you to miss any developments in the area of personal finance.

Charles K. Erban II is a Registered Representative offering securities through ING Financial Partners, Members: FINRA, SPIC

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

Tax-Deferred Savings
Compare the potential future value of tax-deferred investments to that of taxable investments.

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.

More Calculators>>>

Another Year, Another AMT Patch
The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

The Financial State of the States
Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

Growth, Value, or Both
The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

HOT TOPIC: Debating the Debt Ceiling
There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.

More Newsletters>>>

Securities and investment advisory services offered through ING Financial Partners, Inc., member FINRA, SIPC.

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are licensed to sell Insurance Products in FL,MA,NH.

We are registered to sell Securities in FL,MA,NH.

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