Insurance Specialists

Welcome to the Stynchula, Herbert & Associates, Inc. web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports. We have added a number of website links to various financial and informational sites to help you quickly find items many of our clients have found helpful.
We’re here to help educate you about the basic concepts of Financial Management and Employee Benefit Programs; to help you learn more about who we are; and to give you fast, easy access to market performance data and useful links to sites that are of value in the employee benefit area. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance or employee benefits.
Newsletters
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Online Shopping Tips
As web-based retail sales continue to grow, these tips may help ensure a safer online shopping experience.
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College Savings: Roth or 529 Plan?
Can a Roth IRA double as a college savings tool? Find out how a Roth IRA compares with state-based 529 college savings plans.
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A Quick and Dirty Guide to Credit
Learn about four financing options that might help small businesses expand, pursue new opportunities, or cover operating expenses.
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Calculating Key Financial Ratios
The financial ratios that help measure an organization’s performance may also be used by potential lenders and investors. Learn more.
Calculators
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Life Insurance
How much life insurance would you need to produce a sufficient income stream for your family?
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Estate Taxes
Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.