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8814 Heron's Flight
Laurel, MD 20723

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Laurette M. Dearden, CPA, CFP®, RICP®

(301) 604-0121

 
18 Years Worth of Days Bridging the Confidence Gap Tuning Your Social Security Benefit Saving for College 101

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!




Helpful Content

What Is a 1035 Exchange?

What Is a 1035 Exchange?

1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.

Insurance Needs Assessment: Married With Children

Insurance Needs Assessment: Married With Children

When you’re married and have children, insurance needs will be different.

Buying vs. Leasing a Car

Buying vs. Leasing a Car

Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.

 

Where Will Your Retirement Money Come From?

Retirement income may come from a variety of sources. Here's an overview of the six main sources.

Why You Need an Estate Strategy

Do you have an estate strategy? You should.

Universal Life Insurance

Universal life insurance is permanent insurance with a flexible premium. Here's how it works.

Crowdfunding—Capital for the 21st Century

Crowdfunding continues to gain momentum as more people search the Internet for financing and fundraising alternatives.

Choices for Your 401(k) at a Former Employer

Individuals have three basic choices with the 401(k) account they accrued at a previous employer.

How Financial Advisors Are Compensated

Read this overview to learn how financial advisors are compensated.

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Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Taxable vs. Tax-Deferred Savings

Use this calculator to compare the future value of investments with different tax consequences.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

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Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

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Global and International Funds

Investors seeking world investments can choose between global and international funds. What's the difference?

Safeguard Your Digital Estate

If you died, what would happen to your email archives, social profiles and online accounts?

A Bucket Plan to Go with Your Bucket List

A bucket plan can help you be better prepared for a comfortable retirement.

To Buy or Not to Buy

The decision whether to buy or rent a home may have long-term implications.

What to Do When You Lose Your Wallet

Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

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