Sandra L. Kobel, CFP®, CLU®, ChFC® has over 15 years of experience, overseeing a diverse Wealth Management Practice. She provides expert guidance in the areas of Investment Management, Estate Preservation, Saving for Education, and Insurance Planning. In addition, her practice has developed a specialization in retirement planning. She provides advice to individuals, executives and owners of closely held businesses.
 
Sandra is a Certified Financial Planner™ (CFP®).  She is a graduate of the University of Massachusetts with a Bachelor of Science degree in Business, and holds the Chartered Financial Consultant™ (ChFC®) and Chartered Life Underwriter® (CLU®) professional designations from American College. She has obtained the FINRA Series 6,7,63 and 65, and is registered in multiple states as a general securities representative as well as an insurance representative.
 
In addition, Sandra has lectured on the subjects of Investment Planning, Long Term Care and Wealth Transfer. She has worked at a major bank providing support and technical assistance for their Financial Services Division, and appeared periodically as a guest on the live-broadcast television show Financial Fitness, on a PBS affiliate station in Syracuse, New York.
 
Sandra resides in Rochester, New York, and enjoys travel and outdoor activities when not working. She volunteers at Bethel Express, an inner city youth program, and is a former member of the United States Field Hockey Squad. 

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Live Life Retire ReadySM – Tip of the Day

Are you prepared for the new tax law?

In December of 2017 sweeping new tax laws were passed in the United States.  The law enacts many major changes for personal and business income taxes.  The new law is bifurcated, complicated in its application and very inconsistent with the tax liability produced between tax payers with similar income.  The new marginal brackets, phase outs, tax rates, personal exemptions and various limitations make it difficult to generalize. 

 

Now is the right time to ask “How will the new tax law affect my income tax return?” 

My advice to avoid any surprises next April is to go to your tax preparer now and have them complete a “trial run” also called a “tax proforma” for 2018.  This will give you a realistic projection of what will likely happen with your 2018 tax liability. 

 

“No surprises”, a good motto when it comes to income taxes!