Numbers & Email

Call: 609-567-1884 | Fax: 609-567-2028
[email protected]

Free Client Resources


Maximize Your Income

It’s true, the amount you earn over your lifetime can add up!  Look at this: A person earns $50,000 per year.  You may ask, “That is not a fortune, is it?”  Of course not.  But lets look at 30 years.  If $50,000 was earned every year for 30 years that’s $1,500,000. Wouldn’t it be nice to keep some of that fortune for yourself?

3 Myths

  • Myth 1“You get a deduction when you put money into your qualified plan.” – You get a salary reduction.  When money is added to a qualified plan, above the match, you make a deal with the government. Access to your money may become difficult because of your retirement plan language  and government penalties. You only defer the taxation date and the tax calculation.
  • Myth 2“I’ll be in a lower tax bracket when I retire.” – Let’s follow that logic.  There are only 2 ways to get into a permanently lower tax bracket when you retire.  Congress changes tax laws and lowers brackets [OR] you know you will be making way less money in retirement and it puts you in a lower bracket. Most of the mortgage interest deduction goes away after 10 years or so.  The children grow up and move out, so do the deductions.  If income stays the same or even goes down a little and deductions disappear a person’s effective tax bracket pre and post retirement may change little.
  • Myth 3“I’ll save 5% of my income and I was told that was plenty, because the stock market makes up the rest.” – I like to call this the myth of the 80’s and 90’s.  No generation before thought it was ok to save 1 year of income in 20 years. (5% of income for 20 years).  It may not be nearly enough. Many people might be giving money away unknowingly and unnecessarily year after year.  This includes taxes, interest, and lost opportunity costs!


American Funds



Ohio National


ProEquities AMP



Advisory services offered through Investment Advisors, a division of ProEquities, Inc., a Registered Investment Advisor. Securities offered through ProEquities, Inc., a Registered Broker-Dealer, Member FINRA and SIPC).
Clark Associates Financial Planning, Inc. is independent from ProEquities, Inc.

DISCLOSURE: This site is only intended for clients and interested investors residing in states and countries in which Clark Associates Financial Planning, Inc. is qualified to conduct investment advisory services. Clark Associates Financial Planning, Inc. is located in Gibbsboro, NJ. Clark Associates Financial Planning, Inc. may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, Clark Associates Financial Planning, Inc.’s website is limited to the dissemination of general information pertaining to its investment advisory services. Please contact Clark Associates Financial Planning, Inc. at 609-567-1884 to find out if we may conduct advisory business in the state or country where you reside. Accordingly, Clark Associates Financial Planning, Inc. does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a Clark Associates Financial Planning, Inc. representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides. Note: We regret that we cannot respond to your comment via e-mail. For security reasons you should not provide your Social Security number or account number through this page. We are also unable to process address changes or account transactions sent via this page.

Please Note: The information being provided is a courtesy. When you link to any of these web sites provided herewith, you are leaving this site. Clark Associates and ProEquities make no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving Clark Associates website and assume total responsibility and risk for your use of the sites to which you are linking.