1. What is an IRA?

      An IRA is an Individual Retirement Account

2. What some types of IRAs?

1. Roth -  contributions are made with after-tax assets, all transactions within the IRA have no tax impact, and withdrawals are usually tax-free.
2. Traditional -  contributions are often tax-deductible (often simplified as "money is deposited before tax" or "contributions are made with pre-tax assets"), all transactions and earnings within the IRA have no tax impact, and withdrawals at retirement are taxed as income (except for those portions of the withdrawal corresponding to contributions that were not deducted). Depending upon the nature of the contribution, a traditional IRA may be referred to as a "deductible IRA" or a "non-deductible IRA."
3. SEP IRA -  a provision that allows an employer (typically a small business or self-employed individual) to make retirement plan contributions into a Traditional IRA established in the employee's name, instead of to a pension fund account in the company's name.
4. Simple IRA -  a simplified employee pension plan that allows both employer and employee contributions, similar to a 401k  plan, but with lower contribution limits and simpler (and thus less costly) administration. Although it is termed an IRA, it is treated separately.
5. Self-Directed IRA -  a self-directed IRA that permits the account holder to make investments on behalf of the retirement plan.
    

3. What are some of the services you provide?

1. Financial Planning
2. Bookkeeping
3. Tax Preparation
4. Accounting
5. Banking Advice & Service

H&R Block, Inc. (H&R Block) has subsidiaries that provide tax, banking, and business and consulting services. The Company's Tax Services segment provides income tax return preparation, electronic filing and other services and products related to income tax return preparation to the general public primarily in the United States, and also in Canada and Australia. It offers the H&R Block Prepaid Emerald MasterCard and Emerald Advance lines of credit through H&R Block Bank (HRB Bank).

Its Business Services segment consists of RSM McGladrey, Inc. (RSM), a tax and consulting firm primarily serving mid-sized businesses. Corporate operations include interest income from United States passive investments, interest expense on borrowings, net interest margin and gains or losses relating to mortgage loans held for investment, real estate owned, residual interests in securitizations and other corporate expenses, related to finance, legal and other support departments.

H&R Block (NYSE: HRB) is a tax preparation company in the United States, claiming more than 22 million customers worldwide, with offices in Canada, Australia and the United Kingdom. The Kansas City-based company also offers banking, personal finance and business consulting services.
Founded in 1955 by brothers Henry W. Bloch and Richard Bloch, Block today operates 12,500 retail tax offices in the United States, plus another 1,400 abroad. In addition to Block's retail stores, they offer their own consumer tax software called H&R Block at Home (formerly TaxCut), as well as online tax preparation and electronic filing from their website.
In fiscal year 2007, Block reported revenue of $4 billion and net income of $374.3 million. The company was ranked 467 in the Forbes 500 list of top U.S. companies in 2006. In mid-2007, Block had market capitalization of $6.45 billion.

Bonifay, Florida (Zip code 32425)

Bonifay is a city in Holmes County, Florida, United States. Bonifay was given its name from a prominent family that settled the area. The population was 4,078 at the 2000 census. According to the U.S Census estimates of 2005, the city had a population of 2,711 and in 2008 the U.S. Census estimates the population to be 2,780. It is the county seat of Holmes County.

Bonifay has the potential for a growth spurt. The construction of a new hospital has been built. It was built at the intersection of State Road 79 and Interstate 10. Also recently announced in June 2006 are plans to open a wilderness education theme park sponsored by wildlife host Jim Fowler, to be called Jim Fowler's Life in the Wild. This theme park was slated to be constructed at the intersection of State Road 79 and Interstate 10, but as of 2008 the plans for the park are uncertain.

WTVY/Dothan has reported large property value increases due to real estate speculation. However, as of August 3, 2006, the wildlife park project near Bonifay has been halted due to the termination of the agreement by the Holmes County Development Commission to sell 790 acres (3.2 km2) to Jim Fowler and his Fowler Center for Wildlife Education for the purpose of building the park. Many feel that the main reasons for this were the Commission's desire to retard any growth the park would have brought into the county and ensure that only native-born citizens of Holmes county would hold on to authority in its political dealings. The refundable deposit of $50,000.00 will be returned by the county.

Also, the offices of Blue Dolphin II, Inc. (real estate and marketing partner of Mr. Fowler) have been closed and are no longer located on State Road 79 (Waukesha St.) in downtown Bonifay. Among the many financial, logistical, and regulatory obstacles facing the construction of the park are the locations of a state prison, a county jail, and other public facilities within the proposed park, as depicted by the large white block and small white block areas to the northeast of a planned lake amidst the attractions in the park's master plan.

Like other cities (e.g. Brunswick, Georgia and Crestview, Florida) before it, Bonifay's brief flirtation with a Fowler-sponsored wildlife park came to an end. Recently, however, the Fowler Project has been renewed, with Mr. Fowler no longer affiliated with Blue Dolphin II, Inc. After his contract with Blue Dolphin II, Inc. terminated in July 2007, Mr. Fowler expressed a renewed desire to construct his park in Bonifay, south of I-10. The project may yet be terminated, since an Environmental impact assessment has yet to be performed on the area. The assessment takes six months to perform, and the Fowler Project is being charged an additional $25,000 for each month of delay, in addition to the funds provided so that the Commission would consider the offer for the park.

Chipley, Florida (Zip code 32428)

Chipley is a city in Washington County, Florida, United States. Its population was 3,592 at the time of the 2000 U.S. Census. According to the United States Census Bureau estimates of 2005, the city had a population of about 3,682. Chipley is the county seat of Washington County, Florida.

Originally called "Orange", the city was renamed Chipley in 1882, for the railroad businessman and Florida State Senator William Dudley Chipley.

As of the census of 2000, there were 3,592 people, 1,442 households, and 908 families residing in the city. The population density was 336.6/km² (872.5/mi²). There were 1,694 housing units at an average density of 158.8/km² (411.5/mi²). The racial makeup of the city was 67.85% White, 28.51% African American, 1.28% Native American, 0.56% Asian, 0.03% Pacific Islander, 0.22% from other races, and 1.56% from two or more races. Hispanic or Latino of any race were 1.45% of the population.

There were 1,442 households out of which 28.4% had children under the age of 18 living with them, 40.2% were married couples living together, 19.3% had a female householder with no husband present, and 37.0% were non-families. 33.2% of all households were made up of individuals and 18.0% had someone living alone who was 65 years of age or older. The average household size was 2.33 and the average family size was 2.97.

Marianna, Florida (Zip codes 32446, 32447, 32448)

Marianna is a city in Jackson County, Florida, United States. The population was 6,230 at the 2000 census. As of 2004, the population recorded by the U.S. Census Bureau is 6,200. It is the county seat of Jackson County and is home to Chipola College. The official nickname of Marianna is "The City of Southern Charm."

Marianna was founded in 1828 and named the county seat the following year, supplanting the earlier settlement of Webbville, which soon dissolved and no longer exists.

It is the final resting place of the Confederate governor of Florida, Governor John Milton, and the scene of a minor Civil War battle between a small home guard of about 150 boys, old men, and wounded soldiers, and a contingent of approximately 900 Federal troops. Governor Milton, who owned the Milton Plantation and hundreds of slaves, was the Governor of Florida during the Civil War years. Governor Milton was vehemently against the Confederate States of America reuniting with the United States of America. He vowed that he would rather die than see the Confederates reunite with America.

In late spring 1865, as Federal Troops were preparing to take control of Tallahassee, Governor Milton received word the Civil War had ended and that Florida would now be part of the United States again. Upon this news, the Governor died of a gunshot wound. Historians tell it that Milton committed suicide because he could not stand the thought of slavery ending and becoming a part of America again.

Marianna was also the site of the 1934 lynching of Claude Neal, an African American man accused of rape and murder. The national publicity generated by the lynching and resulting riot played a significant role in American history by helping to inspire national anti-lynching laws.

On Sunday, June 6th 2010 residents within Marianna city limits, were able to purchase alcoholic beverages on Sunday for the first time. To date there have been no changes to regulations dealing outside of Marianna "city" limits, and the No Beer on Sunday statue is in still effect for those areas.