Welcome to my  Web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and more.

I hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. I have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, I hope you see the value of working with skilled professional to pursue your financial goals.

I am here to help educate you about the basic concepts of financial management; to help you learn more about who I am; and to give you fast, easy access to market performance data. I hope you take advantage of this resource and visit my site often. Be sure to add my site to your list of "favorites" in your Internet browser. I frequently update the information, and I wouldn’t want you to miss any developments in the area of personal finance.

Yours truly

Balaji Rao, MBA

Financial Advisor

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Newsletters

  • Know Your Credit Score

    Do you know your FICO score? Here are some tips on how to improve your credit score and maintain your high score.

  • Consider Munis for Tax-Free Income

    Understanding general obligation and revenue bonds, how bonds are rated, and potential benefits of tax-free yields.

  • Use Sense with Student Loans

    Some guidelines before taking on student loan debt including steps students have taken to make college more affordable.

  • Interested in Interest Rates?

    With interest rates expected to keep rising here is a short quiz to test one’s interest rate knowledge.

Calculators

  • Lease Payment

    How much would your monthly lease payment be?

  • Life Expectancy

    Knowing your likely life expectancy is an important factor in making long-term financial plans.

  • Federal Income Tax

    This calculator can help you estimate your annual federal income tax liability.

  • Net Worth

    A balance sheet summarizes your assets and liabilities and reveals your net worth.