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John Patrick Bray CPA

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Welcome Ready For Retirement? Estate Management 101
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Your Financial Future

For many people, understanding every aspect of personal finance can be daunting.  From investments to retirement to insurance, the decisions can be overwhelming.

That’s where my firm Reliance Investment Management  LLC comes in.

Whether you're facing retirement - or looking to better understand investment ideas - we at Reliance Investment Management have the expertise to help you address your most pressing money questions.

As an Independent Registered Investment Advisor firm, Reliance Investment Management has a fiduciary duty to serve only our clients interests.  Our advisors first and only priority is you and your family overall financial success.

Whether it is for Wealth Management, Financial Planning & Advice or Estate Planning, we want to learn more about your personal situation, identify your goals and dreams and then develop the plans and strategies to get you to where you want to be.

Long-term relationships that encourage open and honest communication provide the foundation for our clients success.

When you are a client of Reliance Investment Management you can always be assured that we will work only for you.

For more information about our services, including a no cost initial consultation please give us a call at (425) 681 - 0110.

Our website is filled with educational videos, articles, presentations, and financial calculators designed to help you learn more about the world of personal finance. As you search our website, send us a note regarding any questions you may have about any particular investment concepts or products. We’ll get back to you quickly with a thoughtful answer.  We are always available to take care of you and your financial needs.

Helpful Content

The Business Cycle

The Business Cycle

Understanding the economy's cycles can help put current business conditions in better perspective.

What Is a 1035 Exchange?

What Is a 1035 Exchange?

1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.

Dog Bites Neighbor. Now What?

Dog Bites Neighbor. Now What?

Even dogs have bad days. So, what happens when your dog bites a neighbor or passing pedestrian?

 

New Trends Redefine Travel

The latest trends in travel reflect a rich menu of exciting new possibilities.

The Lowdown on Those Free Credit Scores

What’s the deal with your yearly free credit report?

Understanding Marginal Income Tax Brackets

An inside look at how marginal income tax brackets work.

Does Your Portfolio Fit Your Retirement Lifestyle?

Lifestyle considerations in creating your retirement portfolio.

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.

Do Your Kids Know The Value of a Silver Spoon?

You taught them how to read and how to ride a bike, but have you taught your children how to manage money?

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Impact of Taxes and Inflation

Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

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Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

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A New Way to Look at Your Bucket List

That big list of dreams and goals isn't the only way to look at your bucket list.

Retirement Redefined

Around the country, attitudes about retirement are shifting.

What Smart Investors Know

Smart investors take the time to separate emotion from fact.

Can Election Results Predict the Market?

How do the markets usually react to elections? Was the 2016 election any different?

Should I Invest in Gold?

Learning more about gold and its history may help you decide whether it has a place in your portfolio.

Should You Ever Retire?

A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.

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