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WELCOME | MacKinstry Financial & Investments Educators Retirement Consulting Tracy A. MacKinstry, CFS 860.669.9900 MENU Home Services Investments Retirement Planning Tax Planning Life & Long Term Care Insurance Planning Clients Retirees Corporate Executives & Small Business Owners Teachers & Administrators Life Transitions Multigenerational Families Team Tracy A. MacKinstry LPL Financial Resources Professional Service Provider Network Teacher Resources Retirement Estate Investment Insurance Tax Money Glossary Tax Resources Events Client Access Contact Welcome to MacKinstry Financial & Investments, LLC Educators' Retirement Consulting Today’s economic environment presents many challenges. Along with these challenges come opportunities and potential rewards for those who can identify long-term trends. Whether you’re facing retirement or looking to better understand certain investment ideas, we can help you address your most pressing money concerns. Our first priority is your overall financial success. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of MacKinstry Financial’s foundation of success. Our website is filled with educational videos, articles, presentations, and calculators designed to help you learn more about the world of personal finance. As you search our site, please feel free to send me a note regarding any questions you may have about any specific investment concepts or services that we offer. We'll get back to you quickly with an answer. Helpful Content Insurance Needs Assessment: For Empty Nesters and Retirees Do your insurance needs stay the same when the nest empties? Buying vs. Leasing a Car Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options. Social Security: Maximizing Benefits There are other ways to maximize Social Security benefits, in addition to waiting to claim them. Articles Calculators Presentations Videos Six Most Overlooked Tax Deductions Six overlooked tax deductions to help manage your tax bill. Keep Your Umbrella Handy Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected. Where Will Your Retirement Money Come From? Retirement income may come from a variety of sources. Here's an overview of the six main sources. How to Make the Tax Code Work for You When you take the time to learn more about how it works, you may be able to put the tax code to work for you. Your Emergency Fund: How Much Is Enough? Having an emergency fund may help alleviate the stress and worry associated with a financial crisis. Social Security: The Elephant in the Room Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed. View all articles Home Mortgage Deduction Use this calculator to assess the potential benefits of a home mortgage deduction. What Is the Dividend Yield? This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock. Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance. What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month. Comparing Investments This calculator compares the net gain of a taxable investment versus a tax-favored one. Capital Gains Tax Estimator Use this calculator to estimate your capital gains tax. View all calculators An Inside Look at Retirement Living A number of questions and concerns need to be addressed to help you better prepare for retirement living. Investment Strategies for Retirement Investment tools and strategies that can enable you to pursue your retirement goals. Principles of Preserving Wealth How federal estate taxes work, plus estate management documents and tactics. 5 Smart Investing Strategies There are some smart strategies that may help you pursue your investment objectives 5 Smart Investing Principles Principles that can help create a portfolio designed to pursue investment goals. Protecting Those Who Matter Most The importance of life insurance, how it works, and how much coverage you need. View all presentations Retirement Redefined Around the country, attitudes about retirement are shifting. A Bucket Plan to Go with Your Bucket List A bucket plan can help you be better prepared for a comfortable retirement. When Markets React When markets shift, experienced investors stick to their strategy. Once Upon a Goal Do you know how to set up your financial goals for success? This knight does. RE: Retirement How does your ideal retirement differ from reality, and what can we do to better align the two? Can Election Results Predict the Market? How do the markets usually react to elections? Was the 2016 election any different? View all videos UPCOMING WORKSHOPS Check back in the Spring for new dates! Contact Office: 860.669.9900 Fax: 860.669.9800 tracy.mackinstry@lpl.com Local Weather 06413 Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2020 FMG Suite. Securities offered through LPL Financial, member FINRA & SIPC . Investment advice offered through NorthStar Wealth Partners, a registered investment advisor. NorthStar Wealth Partners, MacKinstry Financial & Investments, LLC and Educators Retirement Consulting are separate entities from LPL Financial. The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: CA, CO, CT, FL, MA, ME, MN, NC, NM, NY, OH, RI, SC, VT, WA, WI. Contact MacKinstry Financial & Investments, LLC Office: 860.669.9900 Fax: 860.669.9800 9 Old Post Road Clinton, CT 06413 tracy.mackinstry@lpl.com Quick Links Retirement Investment Estate Insurance Tax Money All Articles All Videos All Calculators All Presentations...