Ask Dr. Finance - Financial Advisor

**DrFinance** · 12-13-2007, 06:24 PM

Have a financial question, ask Dr. Finance to answer it for you.

Roman Financial Services (RFS) was founded by James M. Roman, PhD, MBA to combat the lack of personal attention many financial advisors give their clients. Jim originally worked with a larger brokerage firm and became upset with the lack of customer service, high fees and higher account balances required by such firms. RFS works with you as an individual investor or business owner to ensure your best possible future. RFS separates themselves from other financial advising companies through by emphasizing client education and a comprehensive communication strategy. As an experienced college professor, Jim has devoted his life to learning and teaching others about the values and benefits of financial freedom. In order to do this, he has obtained his PhD, MBA, Masters, BS & BA in Finance. Jim is excellent at transferring his knowledge to clients by developing a financial roadmap and helping them achieve their financial goals. It is the goal of RFS to be the guiding light by developing a personal relationship with clients by speaking with them and meeting with them on a regular basis. This is just one of many reasons why RFS continues to exceed client expectations.

P1 · 12-14-2007, 09:48 AM

Welcome to the site! Look forward to seeing you on here. Maybe we can create a forum for people to ask financial questions where you can give free guidance. Let me know if you are interested.

**DrFinance** · 12-14-2007, 04:32 PM

I would love to answer people's questions. I could post a small article each week and elicit questions based on the weekly topic. I could start with an article on New Year's resolutions about finances and have something around the end of December. Would anyone be interested in such articles?

Jim

**swing** · 12-26-2007, 02:41 PM

Please summarize iron condors in 2 sentences or less....just kidding...welcome to the site and thanks for sponsoring!

**scott475** · 12-27-2007, 08:11 AM

The monthly article sounds great!

**DrFinance** · 12-27-2007, 10:56 AM

Here are some new Changes you should pay attention to in 2008

Retirement Planning: You can now contribute up to $15,500 in your 401k or $5,000 in your IRA for 2008. Are you going to be 50 years old in 2008 or are already over 50 years old, you contributions can be as much as $20,500 in your 401k or $6,000 in your IRA as a “catch up” contribution.

Gift Giving: Planning on giving your children or others a gift of money this year? Well, IRS guidelines have increased to $12,000 before potential taxes must be paid.

Start the new year off right with a New Year's Resolution to get your finances in order and start down the path to financial security!

Let me know if you have any questions about these changes or other general financial issues.

**DrFinance** · 01-18-2008, 04:53 PM

2007 Tax Tip

Remember, you can still contribute to your 2007 IRA BEFORE filing your 2007. You have until April 15, 2008 to contribute to your 2007 IRA.
You are allowed to contribute $4,000 per person in an IRA for 2007 and the amount you investment is tax deductible. So, prior to going to your CPA with your shoebox of receipts, call RFS to open an IRA for 2007, so you can gain additional valuable tax deductions. A contribution of $4,000 can save you as much as $1,400 in taxes (assuming a 35% tax bracket). You should pay yourself, rather than paying Uncle Sam.

12-13-2007, 06:24 PM	#1 (permalink)
DrFinance Sponsor Join Date: Sep 2007 Posts: 19 Rep Power: 0	Ask Dr. Finance - Financial Advisor Have a financial question, ask Dr. Finance to answer it for you. Roman Financial Services (RFS) was founded by James M. Roman, PhD, MBA to combat the lack of personal attention many financial advisors give their clients. Jim originally worked with a larger brokerage firm and became upset with the lack of customer service, high fees and higher account balances required by such firms. RFS works with you as an individual investor or business owner to ensure your best possible future. RFS separates themselves from other financial advising companies through by emphasizing client education and a comprehensive communication strategy. As an experienced college professor, Jim has devoted his life to learning and teaching others about the values and benefits of financial freedom. In order to do this, he has obtained his PhD, MBA, Masters, BS & BA in Finance. Jim is excellent at transferring his knowledge to clients by developing a financial roadmap and helping them achieve their financial goals. It is the goal of RFS to be the guiding light by developing a personal relationship with clients by speaking with them and meeting with them on a regular basis. This is just one of many reasons why RFS continues to exceed client expectations.

12-14-2007, 09:48 AM	#2 (permalink)
P1 Administrator Join Date: Jan 2007 Location: Texas Posts: 2,120 Rep Power: 10	Welcome to the site! Look forward to seeing you on here. Maybe we can create a forum for people to ask financial questions where you can give free guidance. Let me know if you are interested. __________________ My411Pages.com

12-14-2007, 04:32 PM	#3 (permalink)
DrFinance Sponsor Join Date: Sep 2007 Posts: 19 Rep Power: 0	Ask Dr. Finance I would love to answer people's questions. I could post a small article each week and elicit questions based on the weekly topic. I could start with an article on New Year's resolutions about finances and have something around the end of December. Would anyone be interested in such articles? Jim

12-26-2007, 02:41 PM	#4 (permalink)
swing Member Join Date: Apr 2007 Posts: 50 Rep Power: 0	Please summarize iron condors in 2 sentences or less....just kidding...welcome to the site and thanks for sponsoring! __________________ ATQ from FOL Love and a .45, one will kill ya, the other will save your life.

12-27-2007, 10:56 AM	#6 (permalink)
DrFinance Sponsor Join Date: Sep 2007 Posts: 19 Rep Power: 0	Important Financial Changes for 2008 Here are some new Changes you should pay attention to in 2008 Retirement Planning: You can now contribute up to $15,500 in your 401k or $5,000 in your IRA for 2008. Are you going to be 50 years old in 2008 or are already over 50 years old, you contributions can be as much as $20,500 in your 401k or $6,000 in your IRA as a “catch up” contribution. Gift Giving: Planning on giving your children or others a gift of money this year? Well, IRS guidelines have increased to $12,000 before potential taxes must be paid. Start the new year off right with a New Year's Resolution to get your finances in order and start down the path to financial security! Let me know if you have any questions about these changes or other general financial issues.

12-27-2007, 08:11 AM	#5 (permalink)
scott475 Junior Member Join Date: Aug 2007 Posts: 25 Rep Power: 0	The monthly article sounds great!

01-18-2008, 04:53 PM	#7 (permalink)
DrFinance Sponsor Join Date: Sep 2007 Posts: 19 Rep Power: 0	Any financial questions out there? 2007 Tax Tip Remember, you can still contribute to your 2007 IRA BEFORE filing your 2007. You have until April 15, 2008 to contribute to your 2007 IRA. You are allowed to contribute $4,000 per person in an IRA for 2007 and the amount you investment is tax deductible. So, prior to going to your CPA with your shoebox of receipts, call RFS to open an IRA for 2007, so you can gain additional valuable tax deductions. A contribution of $4,000 can save you as much as $1,400 in taxes (assuming a 35% tax bracket). You should pay yourself, rather than paying Uncle Sam.

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Ask Dr. Finance - Financial Advisor

Ask Dr. Finance - Financial Advisor

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