Prosper With Money

Expert Advice, Reliable Service
You’ll be amazed by the level of advice and customer service our Endorsed Providers (EPs) provide to our clients. But don’t take our word for it, give them a call and find out for your self.

Safe, Secure and Trusted
Your information is protected and is never sold to anyone outside the EP program. Every person who uses an EP can grade their EP’s performance. Each EP goes through a quarterly performance review.

Educate Yourself
Ryan’s and RKL Financial’s endorsement is never bought—it’s earned. To find the answers to all your questions about the program give Ryan a call at 877-58-PEACE or send him an email at RLoos@RKLFinancial.com.
Why Use an EP?
We’ve made sure our EPs really do have the heart of a teacher and provide top-notch customer service. Our Ep’s are background checked, reference checked (professionally, personally and with current and former clients), we also talk to their pastors and family to make sure that they are actively involved in their church. Also, they must believe and practice the same biblical based finance that we teach and that aligns with Dave Ramsey’s Financial Peace University Program.

We have EP’s for the following categories:

• Investing – Invest the Dave Ramsey way with the best tax savings!
• Real Estate – Buy or Sell your home faster and save money on the commission!
• Life Insurance – Get a fair price on good term life insurance.
• Home, Auto and Commercial Insurance – Be prepared for the unexpected
• Accounting & Tax Preparation – Help your business prosper and get as much back from the government as you can!
• Attorney – Everyone needs a great attorney.
• Payroll Processing – Save money and work with a great payroll company.
• Mortgage Broker – get the best rates and the best mortgage for your situation.
• Merchant Services – We Don’t Like Credit Cards but we know that most business take’em, at least get the best deal!

Become an EP
We’re always looking for the best people who think like Ryan to help severe our clients. If you are interested in becoming a part of our EP program please send us an email with your questions and contact information.

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Ok, I know that I have been on a quote frenzy lately but here is another great one!

“The greatest calamity which could be fall us would be submission to a government of unlimited powers”

Thomas Jefferson, 3rd US President

Seems like we have come into submission to a government of unlimited powers, especially when it comes to spending money that they do not have.

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I came across this quote the other day in one of the books that I am reading. I thought that it was perfect with everything that is going on around us, from tax tea parties, new health care legislation, and losses of personal liberties due to court rulings.

“Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master” – George Washington

I thought that this was fitting coming from a Founding Father.

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I would like to say thank you to all of our clients, friends and family that supported me over this tax season. After taking the last 2 tax seasons off to have more time with my family, I was not sure what the response would be this year as far as client turn out. Thank you so much as this year exceeded all of my expectations! I still have a few days left until April 15th but we are 98% of the way there! Thanks again, and I look forward to serving your tax preparation needs again next year!

All my best and encouragement,

Ryan T. Loos

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First, let me say that I understand that the government wants our money back from TARP. What they should have done is never have given TARP out in the first place. Listen, even if the government does set in place extra taxes on the 50 largest financial institutions that took TARP, who do you thing is going to end up paying the additional taxes that Obama is proposing. I can answer that question for you you. We will, we will end up with increased fees and less services at these financial institutions. We have to remember that these financial institutions are public companies and not non-profits. They will make a profit and the consumer will continue to pay more in fees to cover the additional taxes. Keep your check books balance to reduce overdrafts and make sure you know what banks are in your ATM network. If you are with one of the 50 largest financial institutions, I recommend you switch to a small local bank or a credit union. Look for a bank or credit union that is active in your community that and that you would not have a problem recommending to someone else.

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I am often asked in late December and early January, what can I do to be better prepared to have my taxes complete. Here are my top 5 answers:

1. Get a folder and label it Taxes 2009. Everything that comes in the mail related to your 2009 tax return goes in the folder. Even if you are not sure if the item relates to your tax return, put it in the folder and let you tax preparer sort through it. When I am preparing taxes one of the most frustrating things (for me and my client) is when we are missing an item and can not complete the tax return until we have the item.
2. Get your charitable giving in order (church contribution statements, Goodwill/Salvation Army receipts, and any out of pocket giving). This will help cut down on time when you and your tax preparer are going over your tax return.
3. Review your tax return from last year and make sure you have all the documents that you had last year.
4. Get your appointment to have your taxes prepared scheduled early this year. As we have all felt the economic slow down over the last year, I believe that a rush could happen (more than usual rush) to get your taxes prepared (to get your refund faster) from January 15^th – February 15th.
5. If you are not sure about a Federal or State tax rebate or tax reduction program, call your local tax preparer, the IRS or your state’s taxing authority. Having all of your documentation and receipts in order will help to make this a smooth process.

Overall, if you are organized and follow the tips above, getting your tax return prepared should not be a process to cause you any concern. The concern at tax perpetration time should be how much money we are giving our Federal and State governments!

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