skip navigation Home About Us Resources Request A Quote Contact Us ► ❙❙ Welcome to our site, where you'll find a wealth of information in the form of newsletter articles, calculators, and research reports. Our mission is to: "GUIDE our clients in making wise decisions based on BIBLICAL PRINCIPLES for wealth management. To SIMPLIFY our clients financial affairs while giving them the FREEDOM to focus on those areas that give their lives meaning and purpose." OUR VALUES: GUIDE: We want to help you to not fall into some of the traps that can exist with retirement. We do this by using.... BIBLICAL PRINCIPLES: The bible has a lot to say about finance and we use those principles to... SIMPLIFY: In taking all of those papers and information that you receive, we want to help you simplify this process... FREEDOM: We hope to assist you with information that will help you enjoy your retirement. We know that there can be a lot of uncertainty around the markets and it is our job to pay attention to that uncertainty so that you can enjoy your retirement. Newsletters HOT TOPIC: Revisiting the 4% Rule For years, the “4% rule” helped retirees make their savings last, but now a more aggressive withdrawal strategy might be the new norm. Signs of a Scam…and How to Resist It Discover four common practices that might help you identify and avoid scams. HOT TOPIC: Rising Inflation: Where Will It Go from Here? Read about the causes of the recent inflationary trend. Does it represent a short-term phase or the start of a longer-term acceleration in prices? What a Relief! Congress Acts Against Surprise Medical Bills Have you heard of the No Surprises Act? Taking effect in 2022, it helps protect consumers from large, unexpected medical bills. Learn more. More Newsletters » Calculators Savings Goals How much do you need to save each year to meet your long-term financial goals? Mortgage Acceleration This calculator can help you determine how soon you can pay off your mortgage. Lifetime Earnings This calculator is designed to help you attach a dollar figure to your life’s work. Taxable Equivalent Yield Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield. More Calculators » Contact Us Oaks Plaza 2350 E. Third Street, Suite 6 Williamsport, PA 17701 Phone: 570-322-8407 Fax: 570-322-4620 E-mail address: atwigg@planned-futures.com E-mail address: bfoust@planned-futures.com Please read below for important disclosures about the way we conduct business. We also welcome you to stay and take a look around our site to learn more about who we are and what we do. Securities offered through Cambridge Investment Research, a Broker/Dealer, Member of FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, a Registered Investment Advisor. Planned Futures LLC and Cambridge are not affiliated. This communication is strictly intended for individuals residing in the states of: AL, AZ, CA, CO, DE, FL, GA, KS, LA, MD, MI, MN, MS, NE, NY, NJ, NC, OH, OK, PA, CS, TX, VA, and WV. No offers may be made or accepted from any resident outside of the specific states referenced. Content provided via links to third party sites should not be considered an endorsement to third party content. We make no representations as to the completeness or accuracy of information provided at these websites. Content/postings pertaining to fixed insurance services do not relate to securities or advisory services and are not affiliated with Cambridge. Site Map Check the background of this financial professional on FINRA's BrokerCheck