TMB Financial, LLC

Teresa M. Brown

Teresa M. Brown has pursued a career in financial services for the past 34 years, working in various capacities.  In 1993, after 18 years in the banking industry, Teresa M. Brown transitioned to a career as an independent financial advisor. 

While Teresa M. Brown has the professional expertise to help with all types of financial needs, she has focused her practice on helping those 50+ on their pre-retirement and post retirement needs. Teresa M. Brown believes that the majority of advisors only concentrate on the accumulation of assets and overlook the unique problems and solutions of those over age 50 for the preservation of assets.

Teresa M. Brown has access to a wide range of products and services from a variety of sources - not just one company -  which enables her to serve her clients better.

"Looking out for the needs and concerns of my clients is my #1 priority," says Teresa M. Brown.

Call today for your complimentary, personalized Comprehensive Financial Review.
Calculators

Life Expectancy

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

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Roth IRA Conversion

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

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Newsletters

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

Tax Changes for 2012

Mandatory annual inflation adjustments generally affect federal income tax brackets, retirement plan contribution limits, and estate tax exemption levels. Here are some of the major changes that could affect readers in 2012, with a table showing 2012 income thresholds for the six federal income tax brackets.

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