Dobi Financial Group, LLC

Thank you for visiting Dobi Financial Group, LLC. ('DFG')

DFG is a financial services firm, assisting clients with the many parts of their financial lives.  Each of the planners at DFG is a CERTIFIED FINANCIAL PLANNERTM professional, adhering to the requirements and Code of Ethics of the Certified Financial Planner Board of Standards, Inc.

At DFG, we assist our clients in the following areas:

- *Investment Planning & Management

- Retirement Planning

- Risk Management (Life Insurance)

- Tax Planning

- Estate Planning

Our concern for our clients is for their entire financial lives, taking a holistic approach to each individual.  In spaces where we do not have the expertise our clients require, we utilize a circle of trusted professionals to guide them in the best ways.

At DFG, we are focused not on how much our clients have, but striving to manage well what each client has.  This approach, we believe, allows us to tailor our thoughts and plans in ways that benefit the unique spaces that each of our clients occupies.

Whether you are at or near retirement or just beginning your independent financial journey, DFG is committed to being a helpful partner in your long-term financial life.

We look forward to speaking with you soon.

 *Securities and investment advisory services offered through SagePoint Financial, Inc.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

NOTE: Before proceeding further, please be advised that this web site is operated by a registered representative associated with SagePoint Financial, Inc., a registered Broker/Dealer, Member FINRA/SIPC. The web site owner(s)is licensed to discuss with or offer investment & financial services & products only to residents of the states within which the owner(s) is licensed. Securities related services may not be provided to individuals residing in any other state. The information offered is for informative purposes only. None of this information is to be construed as an offer to buy or sell securities referred to within or otherwise. Neither the owner(s) of this web site nor SagePoint Financial, Inc. makes any guarantee as to the accuracy or completeness of this information
Calculators

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Net Worth

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

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

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Newsletters

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

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