Personal Finance Calculators

Financial Advice

Personal finance was a bit of an avocation and is now something I coach and teach others as a part-time fee based financial adviser. I do not manage investments (I will advice and recommend action) for those I counsel and my income is solely through hourly consulting fees and not based either on commissions from third parties for recommendations/transactions or a percent of your assets. Mine is more of a ‘teach a person to fish’ approach rather than a ‘feed a person a fish’ approach. You will learn to independently make choices and carry them through, now and in the future, rather than outsourcing your personal finance and staying dependent on experts. Further, there are plenty of charlatans who will take a good amount of your money through commissions and fees. You can choose to pay me at any rate, at or over a minimum of $10.00 per hour, depending on what you can afford and your satisfaction with services rendered.

If you would like a consultation please send me a note at or leave a message at 551-233-6768 with some details on what you would like to meet me about. I have a day job as an oncology bio-statistician and can accommodate about 4 to 8 financial advice sessions in a week and you can expect to meet me at a suitable public place (Public libraries, Cafes, Malls) or through Skype on weeknights or weekends. My qualifications include an MBA, completion of three levels of a chartered financial analyst program and a good number of years as a middle-class working stiff managing money, saving for retirement, paying mortgage and saving for my children’s college much like the rest of the 99%!

I have from time to time done some excel calculators which have been helpful to me and others. In this page are eight calculators in three tabs, which I hope you will find useful. Hyperlinks provided here to all the pages and tabs may help the user navigate to these pages on smaller devices more easily than through the drop-down menu.

The first tab on investments has a page listing various options open to a US investor and looks at how one after tax dollar grows over time for each of these options. Another looks at optimal bond+stock portfolios. A third page evaluates the relative value of gifting versus bequeathing excess assets. A fourth page looks at volatility and Investment time frames.

The second tabbed section helps with money and taxes. It has a page on credit card debt, one comparing 401-K loans to bank Loans and one providing marginal tax rates in the US. I have completed the CFA (Chartered Financial Analyst) study program and have cleared all three levels. The third tab contains an analysis of the minimum passing score (MPS) for CFA level 3 candidates.

Below is an artwork based on a incorrect formula I once used on an undergraduate physics exam. Now three graduate programs later I think I may be a little smarter and you probably should rely on my calculators and my financial advice. Quantitative skills and the teaching about data and numbers are my forte and you will find the calculators in this web site and any financial advice appropriate and helpful.