Newman Financial Services

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



We 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. We 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, we hope you see the value of working with skilled professionals to pursue your financial goals.

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

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

More Calculators →

HOT TOPIC: Looking Beyond the Bull Market

When the latest “bull market” for U.S. stocks reached the five-year mark on March 9, 2014, the S&P 500 had risen 177% — and only five bulls have lasted longer. This Special Report explains how bull and bear markets are generally defined, compares recent stock performance to historical market trends, and warns about the difficulty of predicting the future direction of financial markets.

HOT TOPIC: Airline Consolidation

This article examines the potential effects of airline consolidation for investors, consumers, and the broader U.S. economy.

How a Pension Could Affect Social Security Benefits

The Windfall Elimination Provision and the Government Pension Offset could reduce Social Security spousal or survivor benefits in certain situations

Save as Much as You Want — Tax Deferred

There are other savings options available for those who want to contribute more to a tax-advantaged retirement plan than annual limits allow.

More Newsletters →