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 obligated to act as a fiduciary in the client relationship.  Not coincidentlly, 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

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

Averaging Ups and Downs

Stock market volatility was the norm in 2011, and that can be hard on an investor’s nerves. Utilizing a dollar-cost averaging strategy may help even out your portfolio’s ups and downs, as explained in this article.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

HOT TOPIC: Why Watch the Employment Situation

Labor reports showed some signs of improvement in the second half of 2011. This article takes a closer look at the official reports that track employment, factors that held back job creation after the recession officially ended, and whether recent gains are enough to spark more robust growth.

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