Welcome to our Web site, where you’ll find a wealth of information in the form of articles, calculators and research reports.
This website has been developed to help you understand the opportunities and rewards that are available when you take a proactive approach to your personal finances. The use of this Web site will give you a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. In collaboration with a skilled professional you can move toward reaching the full potential of your financial goals.
The Troy Michael Financial Group is here to educate you about the basic concepts of financial management and to help you learn more about who we are. We look forward to you taking advantage of this resource and visit often. We frequently update our information. So give us the opportunity to do the work for you and be your source for new developments in personal finance.
Newsletters
-
Strategies for Smarter Giving
In addition to advancing philanthropic goals, strategic charitable donations may offer tax advantages.
-
Will You Pay a Medicare Surcharge?
The standard monthly Part B premium is $185 in 2025, but premiums for both Part B and Part D can vary based on income levels.
-
Medicare or Medicaid?
It’s easy to confuse Medicare and Medicaid, but there are important differences between the programs.
-
Tips to Help Preserve Your Inheritance
It’s important for heirs to consider how a windfall might be used to strengthen their finances now and over the long term.
Calculators
-
Loan Payoff
How much will it cost to pay off a loan over its lifetime?
-
Retirement Plan Early Distribution
Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.
-
Net Worth
A balance sheet summarizes your assets and liabilities and reveals your net worth.
-
Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.