Are you terrible at financial math? It is costing you money.

Some people like numbers, calculating and figuring. Their brains are wired to look at choices that involve numbers well. These folks have a big advantage in their financial lives- chances are they end up with more money, lower expenses and less stress.

Not every financial choice you face is fairly priced.

Is it better to choose a 36-month fixed rate on your electricity or a variable rate for a year?

Put the 22-ounce box of Raisin Bran for $3.99, or a 37-ounce box for $6.99 into your grocery cart?

No right answer on the electricity choice because we lack a crystal ball to look into the future, but the smaller box of cereal is the better value. Most people would assume the bigger box is the better deal.

Another common example of "financial math"- should you take a rebate on an automobile or accept a lower financing interest rate?

Not only do the manufacturers and the dealers have a vested interest in you choosing one over the other, the "right" decision is often dependent on your individual circumstances.

About half the public thinks they can make the right choice between a rebate and less interest costs. We can help you if you are unsure, and we can validate your decision, if you are sure.

I can name twenty other financial decisions where experience and comfort with "numbers" make the difference between the correct and the wrong decision. Since 1982 I have provided the analysis to help customers make the best decision for themselves.

Let me provide just one more example of how "numbers" are involved in an important financial decision: choosing between a monthly pension check and a lump-sum pension distribution.

Ages, life expectancy, current and projected interest rates, present value calculations, Social Security benefit maximization are all numbers involved in reaching the best decision.

Today I completed an analysis for a customer who can choose now between a monthly pension and lump-sum. Based upon an age 90 life expectancy, she would need to earn an average of 4.7% on her lump-sum (for 23-years) to break even with the monthly pension.

4.7% is not a low hurdle to jump. But it can realistically be achieved, and possibly beat, without having to invest in risky stocks and bonds. The customer now has the info needed to make a sensible decision that is right for her.

What type of financial math can we do for you?

Mortgages compared

IRA Required Minimum Distributions calculated

Life Insurance internal rates of return determined

Managed account total costs added up

Your portfolio withdrawal rate today and in the future

After-tax rates of return determined

Social Security planning for the most lifetime money

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