YOUR INVESTMENTS, YOUR VALUES, YOUR BELIEFS

"Just as the moon changes its phases from the beginning to the end of each month, investors' needs change as they transition through the various phases of life.  Crescent Financial, an office of MetLife, provides personally-tailored investment advice and financial services to investors seeking competitive returns without compromising their values or beliefs. With 20+ years of experience in the investments industry, our focus is on helping our clients manage their money through each phase of their lives and in reaching their personal financial goals."

Robert ( Ali ) Virden 
Investment Advisor Representative
Financial Services Representative

Crescent Financial, an office of MetLife, welcomes you to our investor website.  Here, you’ll find a wealth of information in the form of monthly newsletter articles, financial calculators, and research reports.

We hope your visits to this site will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the value of working with an experienced and skilled professional to pursue your financial goals. 

We hope you enjoy this resource and return to the site often.  Please add  http://www.crescentfinancial.Net  to your "favorites" list in your Internet browser.  We frequently update the site, and we wouldn’t want you to miss any developments in the area of personal finance.   Last, please send an e-mail with any suggestions regarding material you would like to see added as well.

 

I am licensed and registered to offer products and services in [MD]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Calculators

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

More Calculators →

Newsletters

Lessons from a Perilous Year

In retrospect, 2011 was a formidable year for catastrophes. Small businesses can be hit hard when extreme weather or a natural disaster causes damage or forces a temporary closure. This article considers the importance of adequate insurance protection and ways to help reduce uninsured losses.

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

More Newsletters →