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Kim P. Carlson,
RFC |
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REGISTERED
FINANCIAL
CONSULTANT |
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Kaplan
College
Certificate in
Financial Planning |
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IARFC |
International
Association
of Registered Financial
Consultants |
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American
Institute of
Professional Bookkeepers |
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School
of
Mortgage Lending |
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Registered Financial Consultant
(RFC) is a professional |
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awarded by the International Association of Registered
Financial Consultants (IARFC) to those financial advisors
who can meet the high standards of education, experience and
integrity that are required of all its members.
In a society that grows
more complex every day, consumers are presented with the
need to balance personal financial security with the
constant pressures of family, career, community
responsibilities and personal enrichment. The
financial marketplace is ever-changing with new laws,
regulations, products and conflicting media messages.
Making the right moves at the right time is critical to
accomplishing personal objectives.
Kim Carlson has been
in the finance and accounting profession since 1980,
starting her own consulting business in 1984 and receiving
her RFC designation in 2003. In the same year, she
received her Loan Officer certification from the School of
Mortgage Lending. Kim has also been a student of
technology since the early 1980's, studying programming,
then becoming proficient at computer graphics. This
led to creating and updating web sites for a number of
clients.
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RFC Code of
Ethics
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I will at all times put my client's interest above my
own.
* I will maintain proficiency in my work through continuing
education.
* When fee-based
services are involved, I will charge a fair and reasonable
fee based on the amount of time and skill required.
* I will abide by both the spirit and the letter of
the laws and regulations applicable to financial planning
services.
* I will give my client the same service that I would
give to myself in the same circumstances.
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Outside of work, she loves to do trail work for Volunteers
for Outdoor Washington, helps youth-at-risk through
literacy and positive media with Be
the Star You Are!™ charity, loves primitive camping
with her husband and their 4 sons, and enjoys carpentry and
landscaping around the house and gardens.
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| Rates
& Numbers 2005 |
Social
Security 6.2%
Wage limit $90,000
Medicare 1.45%
Wage limit - None
FUTA
Taxable
Wage base $7,000
FUTA Rate 6.2%
FUTA Maximum
Credit 5.4%
FUTA Minimum
Deposit Rate 0.8%
PRIME
RATE
(effective June
27,
2003 through April
2004) 4.00% |
Qualified
Retirement
Plan Limits:
* Pretax
contributions to 401(k)
and SEP plans, and 403(b)
annuities: $14,000;
Over
age
50 catch-up: $4,000
* Sec. 415(b)(1)(A) defined
benefit plan annual benefit
ceiling: $165,000
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Combined employer / employee
pay-in limits for all defined
contribution plans: $41,000
* Annual
compensation limit
under Sec. 401(a)(17) and
Sec. 404(1): $205,000
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Sec. 408(k)(3)(C) IRA, SEP or
SIMPLE plan limits: $205,000
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SIMPLE pretax contribution
limit:$10,000;
Over age 50
catch-up: $1,500 |
Business
Mileage Rate
40.5¢ per mile
Medical Mileage Rate
15.0¢ per mile
Charitable Mileage Rate
14.0¢ per mile
Relocation Mileage Rate
15.0¢ per mile
Key Phone Numbers
IRS Main Line
1-800-829-1040
Forms & Publications
1-800-829-3676
Retiree Benefit Status
1-800-772-1213
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Click
Here for information on Legal Forms of Business.
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