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In Memoriam

Kim P. Carlson, RFC
   

 REGISTERED
 FINANCIAL
 CONSULTANT
   

 Kaplan College
 Certificate in 
 Financial Planning
   

IARFC

 International Association
 of Registered Financial
 Consultants
   

 American Institute of
 Professional Bookkeepers
   

 School of
 Mortgage Lending
   
   


 

 

 

Registered Financial Consultant (RFC) is a professional

designation 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.


 RFC Code of Ethics

 * 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.


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.
 
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
 *
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
 
* Sec. 408(k)(3)(C) IRA, SEP or
 SIMPLE plan limits:
$205,000
 
* 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

Click Here for information on Legal Forms of Business.

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