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Financial Advice
for Cleveland Seniors

Is it smart to use retirement savings
to pay off a mortgage?

Is A Reverse Mortgage Right For You?
Pros and Cons of a Reverse Mortgage

Build a case to cut your property taxes
Don't pay property taxes based on inflated market values

Fear of Facing Financial Facts keeps us from Finding Relief
Financial fear is very real for many this Halloween

7 Steps To A 720 Credit Score
by Philip X. Tirone (book review)

Don't be misled by these 3 Tax Myths
Trust Assets, Tax Forms & House Sale


ClevelandSeniors.com welcomes
our Financial Experts


Ciuni & Panichi


Meet our Financial Experts
Ciuni & Panichi, Inc.

Specialties of our Financial Experts
Ciuni & Panichi, Inc.

Contact our Financial Experts
Ciuni & Panichi, Inc.

Tax Tips of the Week
Expert Advice from Ciuni & Panichi

Finance Tips of the Month
Expert Advice from Ciuni & Panichi



If you have questions for our Financial Expert, Click on the link to E-Mail us at: qa@ClevelandSeniors.Com



Didn't file your taxes on time?
Reasonable cause can prevent a penalty

Can you deduct a Roth IRA loss?
Did you liquidate Roth IRAs after the stock market decline?

Financial advice if you are out of work
Unemployment benefits are taxable

Plan for these 2009 inflation-adjusted numbers
Retirement Plan, Gift-giving, mileage and social security

Retirement plan rules change for 2009
You won't have to take a required minimum distribution in 2009

Black Friday is the Superbowl of Shopping
You Can Win the Game if You Follow the Rules

Don't be spooked by the economy
Ways Consumers Can Take Control of Their Finances

Business Gifts
What are the rules?

Financial New Year Resolutions
That you should plan on breaking

Mistake on Tax Return
File an amended return or correct next year?

Section 529 Plans
What if plans change and the child doesn't go to college?

Buy or Lease a Car?
See which makes more sense for you

2nd Marriage Later in Life
Estate Planning Considerations?

Federal Estate Tax
What's the limit? $600,000? 1 million?

The magic age of 70 and 1/2
What you should do with your IRA

Even the IRS makes mistakes
How can we do better?

Just what is an Annuity?
Great investment or a scam?

Money for Grandkids College
What is Section 529?

CPA, Financial Planner, Certified Planner
What do all these titles really mean?

Check 21 - New Federal law about banking
What you need to know about this new law

When is your check not a check?
Electronic Check Conversion

Archived Items

Q&A with our Expert
The S&P 500 explained

More of your questions answered
IRA distributions

When will the market recover?
Should I switch to a CD?

Living Trusts

How to respond when the market re-opens
Advice for after the terrorist attack

What the heck is an annuity?
How do they offer such high rates?

After Enron's collapse I am worried about my 401K
What happened and how can I be safer?



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