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

How Interest Rates Can Influence Financial Decisions

The Federal Reserve has relied on its control of short-term interest rates to influence economic activity. Adjusting interest rates might seem to be an overly simple solution for steering the world's most powerful economy, but few mechanisms can influence behavior more effectively than interest rates.

Dispelling Umbrella Insurance Myths

Many people may think their chances of being hit with a multimillion-dollar lawsuit are fairly slim. Besides, wouldn't the liability coverage on their homeowners and auto insurance policies be enough to protect them against a claim or a lawsuit? Unfortunately, there are misconceptions about umbrella liability insurance that could cause someone to be underinsured.

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

Another Economic Stimulus

Temporary incentives could affect businesses of all sizes. Although Congress was unable to tackle the controversial issue of future income tax rates before the 2010 midterms, it quietly passed a little-noticed tax package, the Small Business Jobs Act of 2009 (H.R. 5297), that may benefit small businesses and even individual taxpayers.

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