Tom Wood, www.theadvicecenter.com

Sound Financial Advice for a Better Tomorrow

Tom Wood is a Registered Representative of and offers securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of California, Arizona, Oregon, Nevada, Montana, Nebraska, and Texas. No offers may be made or accepted from any resident outside the specific states referenced.

Tom Wood is also separately registered as an investment advisor or is a separate investment advisor under WHJR Associates, a registered investment adviser, offering advisory services in the states of California and Texas. As such, these services are strictly intended for individuals residing in California and Texas.

IMPORTANT CONSUMER INFORMATION:

A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in that state, or is excluded or exempt from registration in that state as a broker-dealer, investment adviser, BD agent or IA Representative, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

Cost of Retirement

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

College Funding

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

Tax-Deferred Savings

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

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The Problem with Investment Gains

Believe it or not, a significant investment gain, especially one from an unexpected source, can pose a risk to your progress toward long-term goals if it's not handled properly.

The Measure of a Life

One way to help mitigate the financial blow of the loss of a head of household is through life insurance.

An Average Way to Invest

Dollar-cost averaging might help investors make the most of a highly volatile period.

Getting Something for Giving

Charitable trusts may help your charity of choice while also providing you with potential tax benefits.

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