I'm Lorenzo Hardy
Independent Financial Adviser for 12
years.Licensed by the National Association of Securities Dealers, the Securities and Exchange Commission as a Registered Investment Adviser on the federal level.

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Archive for the ‘Tax’ Category

Consulting Services

Wednesday, June 17th, 2009

L H Financial Services Inc. gives seminars on the five phases of financial planning. These classes are designed for companies with employees who want to understand taxes, insurance, investments, retirement?and estate planning. The course has five sessions lasting two hours and can be done on or off site depending on employer’s preference. It’s important to note that most workers do not understand their finances and do not contribute to 401k’s or IRA and have a hard time preparing for retirement or any other major events like buying a home or saving for a college education. This course will get them on the right track and promote employee retention, 401k contributions and give them the tools to maximize their paychecks.


Saturday, May 23rd, 2009

There are two things certain in life: Death and Taxes. The IRS is the governing body over our income tax system, and most people are scared to death of the IRS. The whole thing is the government wants you to pay your fair share. With revenue from taxes the government pays it’s bills for everything from government employees to the war in Iraq. The rules and regulations change constantly and most people miss out on deductions and credits because nobody publicizes these changes on a daily basis.

One of the biggest myths that I have found about taxes is that when you die all your bills are paid. This is far from the truth. Did you know that even after you die, you still have to file your last tax return! Not you of course but your next of kin. If you owe any taxes that person is responsible for paying your bill to the IRS or if you do get a refund your next of kin will spend it for you.

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