Calderwood Financial Strategies, Inc.
Latest News
Monday, March 16, 2026 - Broadridge Content Federal Student Loans: How Much Do Borrowers Owe? See a distribution of federal student loan borrowers by outstanding loan balance. Read more...
Monday, March 23, 2026 - Broadridge Content What are the rules for IRA contributions? This brief primer explains the rules of contributing to Roth and traditional IRAs. Read more...
Monday, March 23, 2026 - Broadridge Content
The following chart provides some general information about state and local taxes, as well as websites and phone numbers for the 50 states. Check the row(s) for the state(s) of interest to you. Read more...
Monday, March 23, 2026 - Broadridge Content I teach at a school that offers a 403(b) plan. Is this type of plan a good way to save for retirement? This brief primer describes 403(b) plans and why they might be a good to save for the future. Read more...
Thursday, March 5, 2026 - Broadridge Content
When selling your business — whether to a family member, a key employee, or a third party — unless the sale is entirely for cash, security devices should be negotiated into the sales contract to protect your future income stream. Most ownership transfers include payments made over time. There are two primary ways to structure these payments: You can exchange stock for an interest-bearing installment note, or you can accept payments through a supplemental pension plan funded from the future earnings of the business. You can also structure payments as a noncompetition agreement, a post-sale consulting contract, or royalty fees. Whenever you depend on future payments, you run the risk of not collecting those funds. However, there are steps you can take now to legally secure the income stream you'll depend on in the future. One approach is to negotiate restrictions on additional financing. Read more...