Welcome to Laurette M. Dearden, CPA, CFP®, RICP®
Everyone has money issues. Let us help you with yours: Taxes, Saving, Spending, Investing.
We are dedicated to providing personalized individual and small business taxes and offer comprehensive financial planning services through Laurette Dearden's affiliation with HD Vest Investment Services SM. Our objective is to make your money work for you to pursue your financial dreams and goals whatever they may be. Starting with your tax return, we will implement a plan to pursue your financial goals and dreams to eliminate debt, take care of your family, retire in the style that you envision, send your children to college and leave a legacy to your heirs.
We specialize in physicians, dentists and other healthcare professionals but also service other small businesses. If you are considering purchasing a practice or starting your own, we can help! We also provide start up services to small businesses and ongoing tax planning, accounting and payroll support.
Taxes are not just an event in April. We will work with you throughout the year to ensure your financial health and help you make sound financial decisions that will minimize your tax liability on April 15th. Even if you move to another state, we are happy to continue working with you. Our clients are located in the Columbia, Laurel, Baltimore and DC area but we also have clients in over 25 states!
IRA Withdrawals that Escape the 10% Tax Penalty
The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.
The Fed and How It Got That Way
Here is a quick history of the Federal Reserve and an overview of what it does.
Tax Rules When Selling Your Home
The tax rules governing profits you realize from the sale of your home have changed in recent years.
If you find it hard to attain personal life goals, there’s an app for that!
Maintaining good records for your business not only helps to meet your tax and legal obligations, but it can save you money.
Bonds may outperform stocks one year only to have stocks rebound the next.
It sounds simple, but paying yourself first can really pay off.
Successful sector investing is dependent upon an accurate analysis about when to rotate in and out.
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
Estimate the total cost in today's dollars of various mortgage alternatives.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Assess how many days you'll work to pay your federal tax liability.
This calculator can help determine whether it makes sense to refinance your mortgage.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
A presentation about managing money: using it, saving it, and even getting credit.
How federal estate taxes work, plus estate management documents and tactics.
Using smart management to get more of what you want and free up assets to invest.
The importance of life insurance, how it works, and how much coverage you need.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some key concepts to understand when investing for retirement
Are you ready for retirement? Here are five words you should consider.
2018 could be shaping up to be an interesting year.
There are hundreds of ETFs available. Should you invest in them?
Why are 401(k) plans, annuities, and IRAs so popular?
What if instead of buying that vacation home, you invested the money?
You’ve made investments your whole life. Work with us to help make the most of them.