Thoughtful Planning, Whatever your Life Stage

Our Firm

Macaulay & Associates is an independent financial planning and investment advisory firm located in Fort Mill, SC. We serve individuals, small business owners and charitable organizations. We believe that financial planning and investment management are interrelated. Therefore we desire to build relationships with clients that are meant to be long term. In a personal financial planning engagement, we endeavor to consistently act in the interest of our client and to place the client's interest ahead of our own.

David Macaulay is a CERTIFIED FINANCIAL PLANNERTM Professional and is obligatged to act as a fiduciary in the client relationship.  Not coincidently, a Registered Investment Advisory Firm is also held to this same standard.  This gives Macaulay & Associates a unique opportunity and obligation to enlist our services in a manner that is totally client centered.  It is our desire to be your chief financial advisor and to coordinate the efforts of your accountant and attorney in your best interest.

 
Calculators

Life Insurance

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

Net Worth

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

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

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Newsletters

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

The Dynamics That Can Drive Inflation

High unemployment and slow wage growth seem to have kept consumer spending and core inflation from growing very rapidly in the first half of 2011. This article reminds investors to keep the potential risk of inflation in mind, because even modest price increases compounded over time can erode the purchasing power of the assets in their portfolios.

Roth IRA Conversion Mistakes Can Be Costly

One popular way to fund a Roth IRA is by transferring assets from a traditional IRA or an employer-sponsored retirement plan. This type of transaction, called a Roth IRA conversion, is simple in theory but can be complicated in practice. If you make certain mistakes, you could lose some key advantages.

Protecting What May Be Your Most Valuable Asset

Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

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