Rivera & Co.

1120 Pasadena Blvd

Pasadena, TX 77506

Phone: 713-534-9691

Email: info@riveratax.com





   ■ What are the tax savings of a qualified retirement/cafeteria plan?

   ■ What are my new business startup costs?

   ■ Should I pay or charge monthly, quarterly or annually?

   ■ What is the value of my business?

   ■ How many units do I need to sell to breakeven?

   ■ Should I lease or buy equipment?

   ■ What are my business financial ratios?

   ■ What is my employee total compensation package worth?

   ■ What are my tax savings with Section 179 deduction?




   ■ Should I lease or purchase an auto?

   ■ Auto purchase - Loan versus 0% dealer financing?

   ■ What would my auto payments be?

   ■ Should I upgrade to a more fuel efficient vehicle?

   ■ Auto loan - Accelerated payoff

   ■ How much vehicle can I afford?

   ■ Should I refinance my auto loan at a lower rate?

   ■ How much can I lower my monthly payment with a new auto loan?




   ■ How does inflation impact my standar of living?

   ■ How much am I spending?

   ■ How much do I need for emergencies?

   ■ Should I pay down debt or invest my monthly surplus?

   ■ How long will my money last with systematic withdrawals?

   ■ Should my spouse enter the work force?

   ■ What is my current net worth?

   ■ What is my projected cash flow?

   ■ What is my current cash flow?

   ■ What is my projected cash flow?

   ■ What is the value of reducing, postponing or foregoing expenses?

   ■ Historical inflation - Compare purchasing power

   ■ Balance My Checkbook




   ■ How long will it take to pay off my credit card(s)?

   ■ How long until my loan is paid off?

   ■ What would my loan payments be?

   ■ Do I have too much debt?

   ■ What is the balance on my loan?

   ■ Should I consolidate my personal debt into a new loan?

   ■ Restructuring debts for accelerated payoff

   ■ Which is better: Cash up front or payments over time?

   ■ What is the impact of making extra payments on my debt?

   ■ Should I pay off debt or invest?

   ■ Should I transfer my credit card balances?




   ■ How much should I be saving for college?

   ■ Will I be able to pay back my student loans?

   ■ What are the advantages of a Coverdell ESA?

   ■ What are the advantages of a 529 college savings plan?

   ■ What is the value of a college education?

   ■ What are the payments on a parental (PLUS) loan?

   ■ Should I live at home, on campus, or off campus?

   ■ When should I begin saving for my child's college?




   ■ How much home can I afford?

   ■ Should I refinance my mortgage?

   ■ Mortgage calculator

   ■ Comparing mortgage terms (i.e. 15, 20, 30 year)

   ■ Should I pay discount points for a lower interest rate?

   ■ Should I rent or buy a home?

   ■ Should I convert to a bi-weekly payment schedule?

   ■ Compare a 'no-cost' vs. traditional mortgage

   ■ What are the tax savings generated by my mortgage?

   ■ Which is better, fixed or adjustable-rate mortgage?

   ■ Adjustable rate mortgage calculator

   ■ How do closing costs impact the interest rate?

   ■ Compare an interest-only vs. traditional mortgage

   ■ How much can I borrow from my home equity (HELOC)?

   ■ Loan Comparison Calculator




   ■ What is my potential estate tax liability?

   ■ 2014 Federal income tax calculator

   ■ Should I adjust my payroll withholdings?

   ■ Will my investment interest be deductible?

   ■ How much self-employment tax will I pay?

   ■ Capital gains (losses) tax estimator

   ■ Compare taxable, tax-deferred, and tax-free investment growth

   ■ How much of my social security benefit may be taxed?

   ■ What are the tax implications of paying interest?

   ■ Should I itemize or take the standard deduction?

   ■ What is my tax-equivalent yield?

   ■ 2014 tax refund estimator

   ■ Tax freedom day




   ■ Becoming a millionaire

   ■ Income generated by a savings plan

   ■ How long will it take to double my savings?

   ■ How long until my savings reach my goal?

   ■ Save now vs. save later

   ■ How much should I save to reach my goal?

   ■ What could my current savings grow to?

   ■ Calculate rate of return

   ■ How do taxes and inflation impact my investment return?

   ■ What is the effective annual yield on my investment?







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   ■ How much will my company bonus net after taxes?

   ■ How will payroll adjustments affect my take-home pay?

   ■ Convert my salary to an equivalent hourly wage

   ■ Convert my hourly wage to an equivalent annual salary

   ■ What is the future value of my employee stock options?

   ■ Should I exercise my 'in-the-money' stock options?

   ■ What may my 401(k) be worth?

   ■ What is the impact of increasing my 401(k) contribution?

   ■ What may my 457(b) be worth?

   ■ What is the impact of increasing my 457(b) contribution?

   ■ What may my 403(b) Plan be worth?

   ■ What is the impact of increasing my 403(b) contribution?




  Evaluate my company pension payout options

   ■ How much can I contribute to an IRA?

   ■ How much retirement income may an IRA provide?

   ■ Should I convert to a Roth IRA?

   ■ What will my qualified plan(s) be worth at retirement?

   ■ What is my current year required minimum distribution?

   ■ What is my projected required minimum distributions?

   ■ What are my lump sum distribution options?

   ■ How do I maximize my employer 401(k) match?

   ■ What is the impact of borrowing from my retirement plan?

   ■ What is the impact of early withdrawal from my 401(k)?

   ■ Net unrealized appreciation (NUA) vs. IRA rollover?

   ■ What are my Stretch IRA distributions?

   ■ 72(t) early distribution analysis

   ■ I'm self-employed, how much can I contribute to a retirement  plan?




   How should I allocate my assets?

   ■ Compare taxable vs. tax-free investment return

   ■ What is the value of a bond?

   ■ What is the return on my real estate investment?

   ■ What is the value of compound interest?

   ■ What is the value of a call or put option?

   ■ Taxable vs. tax-advantaged savings?

   ■ What is my risk tolerance?

   ■ What is the long-term impact of increased investment return?

   ■ Certificate of deposit (CD) analyzer

   ■ What is the dividend yield on a stock?

   ■ How do expenses impact mutual fund returns?

   ■ Certificate of deposit (CD) laddering strategy

   ■ Share Certificate analyzer

   ■ Share Certificate laddering strategy




   How much life insurance do I need?

   ■ What is my life expectancy?

   ■ What are my needs for burial and final expenses?

   ■ How much disability income insurance do I need?

   ■ What are the chances of becoming disabled?

   ■ What are my long-term care insurance needs?

   ■ How much will I earn in my lifetime?

   ■ What are the tax advantages of an annuity?

   ■ How long will my current life insurance proceeds last?

   ■ What is the future value of an annuity?

   ■ Which is better, comprehensive plan or high-deductible plan with HSA?

   ■ Compare a taxable investment to a tax-deferred investment




   ■ How will retirement impact my living expenses?

   ■ How much will I need to save for retirement?

   ■ Are my current retirement savings sufficient?

   ■ Social security retirement income estimator

   ■ How does inflation impact my retirement income needs?

   ■ I'm retired, how long will my savings last?

   ■ When should I begin saving for retirement?

   ■ Should I convert discretionary expenses to savings?

   ■ How much retirement income may my 401(k) provide?

   ■ Compare a Roth 401(k) to a Traditional 401(K)




   ■ What is my credit score?

   ■ Add, Subtract, Multiply, Divide





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