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Phone: (512) 498-PLAN (7526)


We love our clients!

In honor of Valentine's Day and American Heart Month, PlanningWorks wants to share some love with you - our clients! Although no one likes to think about it - it is important to plan and prepare for any health emergency you or a loved one might experience.

To help you be prepared, here are two great options to create an emergency medical card. Keep this card in your wallet, purse, backpack, etc. and print multiple copies for your close family members to carry as well.

  1. Click the following link to print a blank card and fill in the information by hand:
  2. Click the following link to fill out your emergency card online and print:

Happy Valentine's Day! With love, your PlanningWorks Team

How Financial Planning Has Changed for Same-Sex Couples

How Financial Planning Has Changed for Same-Sex Couples

Retirement & estate planning strategies are being greatly altered.


Provided by PlanningWorks


When the Supreme Court affirmed the legality of same-sex marriage in June, its ruling profoundly altered the financial planning landscape for gay and lesbian couples – resulting in some “night and day” differences.


Yet in looking at the financial “before and after,” same-sex spouses and their advisors must also consider the “when and where” – because the Supreme Court ruling only applies to the 13 states that allow same-sex marriage (and the District of Columbia). Gay and lesbian spouses are still waiting to see if financial benefits will be granted in all 50 states.1,2,3


Here is how the landscape has changed for married gay and lesbian couples in states recognizing same-sex marriage.

The Financial Impact of the Affordable Care Act



A Study of REAL Real Returns

If you’ve ever wondered, “HOW DO INFLATION AND TAXES AFFECT MY RETURNS?” – Then you will find this article to be eye-opening and thought provoking. There is relative data on every asset class, even municipal bonds
Please click below to access “A Study of Real Real Returns” by Thornburg Investment Management, or call our office at 512 498-7526 x.58 for a color hard copy of the article.
PlanningWorks’ focus is to get our clients into REAL real returns that meet their individual objectives and overall plan.
Click here:


The Hidden Cost of Home Ownership



Are you paying more than you should for your new home?


Provided by PlanningWorks


Here’s a hypothetical situation … Let’s say John Doe wants to buy a new mp3 player for $300 … but he doesn’t have $300 right now. He decides to buy it on credit. Lender A will let him pay it over three months at $115 per month (a final total of $345 with interest). Lender B will let him pay for it over six months, at only $75 per month (a final total of $450 with interest). With Lender B John Doe can make lower monthly payments, but it takes him longer to own his mp3 player and he ends up paying one and a half times what it is actually worth! With Lender A he has to pay more per month, but ends up spending much less on the mp3 player … which he then owns in half the time.


What would you do? If you were in John Doe’s shoes, which lender would you borrow from? Which plan would you choose? It’s the same basic principle when it comes to buying your home. When you’re deciding between a 15-year mortgage and a 30-year mortgage, be sure to consider and weigh all the pros and cons before making your decision.

Planning for the Not-So-Surprising 3.8% Medicare Tax in 2013

Here is the draft of the new IRS Form 8906 for the 3.8% Medicare Tax on Investment Income over the $250,000 Threshold.

Click here to view draft IRS Form 8906

Allow us to help you help your top clients better manage their 2013 tax liability.
Do not hesitate to reach out to a member of the PlanningWorks team at 512 498-7526 or
This information is for general guidance. We are not authorized to provide tax advice. This information may not be complete or accurate for tax-reporting purposes due to the complexity of tax regulations and individual client circumstances.

Are REITs Right For You?

Are REITs Right for You?

You can own real estate without having to be a landlord.


Provided by PlanningWorks


What is a REIT? A real estate investment trust (REIT) is a real estate investment company that manages a portfolio of income properties, distributing the lion’s share of its profits as dividends. By getting into a REIT, you can gain an ownership interest in prime commercial real estate … without the headaches of commercial real estate management.


How do REITs work? On one level, a REIT is an agreement with the IRS. In choosing a REIT structure, a real estate investment company agrees to pay out 90% or more of its taxable profits in dividends in exchange for avoiding corporate income tax.1


In the typical public REIT, investors buy shares in the trust. (You may have heard the term “real estate stock” before; that’s what we’re talking about.) Like any other stock, REIT stock offers you the potential for dividend income and share value appreciation. REIT dividend income tends to be stable, as REITs usually invest in large commercial properties involving long-term tenant leases. The REIT may choose to make some of the dividend a nontaxable return of capital, which results in tax deferral and a lower taxable income for the investor during the period he or she holds the stock. That can boost the after-tax dividend yield. REITs don’t pass their losses onto investors, and they usually don’t have minimums.2


Understanding the Markets

Understanding the Markets

What the acronyms signify & what affects investors.


Provided by PlanningWorks


Dow. NASDAQ. S&P 500. Fear index. NYSE. Commodity prices. Earnings. Economic indicators. These are the gauges and signposts of investing, but if you stopped most people on the street, you’ll find they have only a hazy understanding of what these terms signify or reference. If you’ve ever been left dizzy by the jargon of the financial world, here is a brief article that may help clarify some of the arcana. Let’s start on Wall Street.


The major U.S. indices. The Dow Jones Industrial Average tracks how 30 publicly owned companies trade on a market day – the “blue chips”, 30 titans of U.S. and global business chosen by the Wall Street Journal, most not actually industrial. The NASDAQ Composite records the performance of 3,000+ companies on the NASDAQ Stock Market (see below), including many technology firms. The S&P 500 logs the performance of 500 leading publicly traded companies across ten different sectors (business/industry categories), as determined by financial research giant Standard & Poor’s (there was actually a Mr. Poor, hence the name).1,2

How Impatience Hurts Retirement Saving

How Impatience Hurts Retirement Saving

Keep calm & carry on – it may be good for your portfolio.


Provided by PlanningWorks


Why do so many retirement savers underperform the market? From 1993-2012, the S&P 500 achieved a (compound) annual return of 8.2%. Across the same period, the average investor in U.S. stock funds got only a 4.3% return. What accounts for the difference?1,2


One big factor is impatience. It is expressed in emotional investment decisions. Too many people trade themselves into mediocrity – they react to the headlines of the moment, buy high and sell low. Dalbar, the noted investing research firm, estimates this accounts for 2.0% of the above-mentioned 3.9% difference. (It attributes another 1.3% of the gap to mutual fund operating costs and the remaining 0.6% to portfolio turnover within funds.)2


She can bring home the bacon...

She can bring home the bacon and fry it up in a pan… From 1960 through 2011, the percentage of households with children under the age of 18 and mom as the primary or sole breadwinner increased from 11 to 40 percent. According to the Pew Research Center report, ‘Breadwinner Moms’ fall into two distinct groups: married moms who earn more than their husbands (37 percent) and single mothers (63 percent). The earnings gap between the two groups tends to be very large:

“The median total family income of married mothers who earn more than their husbands was nearly $80,000 in 2011, well above the national median of $57,100 for all families with children, and nearly four times the $23,000 median for families led by a single mother.”


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CONTACT US: 2700 Via Fortuna Suite 100 • Austin, TX 78746 • (512) 498-7526
Fax (512) 684-8519 •

Investment Advisory services offered through, Waterloo Capital, L.P. a SEC Registered Investment Advisor. Securities offered through Calton & Associates, Inc. Member FINRA/SIPC OSJ 2701 N. Rocky Point Dr., Suite 1000, Tampa, FL 33607 (813) 605-0918 Waterloo Capital, L.P., PlanningWorks, Inc. and Calton & Associates, Inc. are separate entities.

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