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How Do You, the Financial Advisor, Get Paid?

watch Video Transcript:

People often ask us, how do you get paid? While many financial advisors charge a fee for services rendered, we’re different.

First, we analyze your specific situation and then create a plan tailored to your needs.

If our recommendations sound good to you, we help facilitate whatever solution you choose.

Because we’re not brokers, we get paid once, by the company you choose.

Then we continue to be there for you as financial professionals for the long term, without charge.

Our allegiance is to you, our client. Not the financial company. It’s a win-win for you – no charge for our services and the best solutions for your financial future.

To learn more about how we can create a custom financial plan to suit your needs, give us a call or visit our website today!

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How Will Divorce Affect Your Finances?

Video Script:

Divorce has a psychological, emotional and financial impact on an entire family. The financial impact can be considerable as income changes and costs for support rise. Be prepared. Statistics show that only 42% of custodial single parents who are awarded child support in 2011, for instance, received all of the child support money that was due.

Nine states are community property states, which means assets acquired during the marriage by either spouse will generally be divided equally. The remaining states are based on equitable distribution, which does not necessarily mean an equal distribution. The court will consider many tangible and intangibles in coming to a decision on how to divide your assets. People facing divorce sometimes don’t get all they deserve because they’re anxious to get it over with.

But don’t rush through this. Don’t willingly give up what you have a right to, especially if you have custody of children since your financial situation impacts them as well. If you and your spouse can’t come to an amicable agreement about the terms of your divorce, you will each most likely consult an attorney. Be sure to also consult a financial advisor to seek investment planning advice prior to a divorce settlement.

You’ll want to assess the real value of your assets and take tax consequences into consideration. For help with this difficult situation, give us a call today.

When is the best time to retire?

Video Transcript:

You might be asking yourself, “When should I retire? Should I retire early or defer it?” Deciding when to retire may not be just one decision, but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses but also what sources of retirement income you’ll have and how long you’ll need your retirement savings to last.

You’ll need to take into account your life expectancy and health, as well as when you’ll want to start receiving Social Security or pension benefits. You’ll also want to consider when you’ll start to tap your retirement savings. Each of these factors may affect the others as part of an overall retirement income plan.

Contact us today to receive a free retirement plan that will help you determine the best time for you to retire.

Are You Following these 7 Investment Rules?

Video Transcript:

There are seven investing rules that have stood the test of time.

They’re not unique or new, if you follow them, you succeed, if you don’t, you don’t.

1. Sell losers fast; let winners run: It seems simple, but the average investor sells his winners and keeps his losers, hoping that they’ll come back.

2. Buy cheap and sell expensive: Buying low and selling high is really another name for re-balancing your portfolio.

3. This time is never different: History may not repeat exactly, but it surely rhymes awfully well.

4. Be patient: Being patient is not only a virtue, it’s a good way to keep yourself out of trouble.

5. Turn off the television: The only thing you achieve by constantly watching the television is increasing your blood pressure.

6. Risk is not equal to your return: Taking on risk in an investment is not equivalent to how much money you’ll make. It only relates to the permanent loss of capital when you’re wrong.

7. Go against the herd: When everyone agrees on the direction of the market, usually something else happens.

As an investor, it’s your job to step away from your emotions and look objectively at the market. To learn more, call us or visit our website today.

What’s the Difference Between a Will and a Living Trust

Video Transcript:

A “Living Trust” is a trust you created that is active while you are alive versus a Testamentary Trust which becomes active at your death. When you create a Living Trust, you ensure that your assets will be disbursed efficiently to the people you choose after your death.

The big advantage to a Living Trust is that the trust doesn’t have to go through probate court like a will does. Probate can be expensive in attorney and court costs while also causing long and frustrating delays. A Living trust is an arrangement under which one person, called a trustee, holds legal title to property for another person, called a beneficiary.

You can even act as your own Trustee if you’d like. When you create a trust, the titling of assets is changed into the trust’s name, as if it was a living entity. Specific details of your wishes upon death can be provided for in the trust. But not everyone needs a trust. Transfer of assets at death may be handled through a beneficiary designation on some holdings and investments. If you’re using beneficiary designations, make sure all your paperwork is up to date. For instance, if you get divorced, be sure to remove your ex-spouse as a beneficiary. For more information about how to plan well for your family’s future, give us a call today.

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Are You Financially Prepared for an Emergency?

Video Transcript:

You can’t control if or when disaster will strike, but you can minimize the damage and economic impact with some basic planning.

For example, create a family disaster plan and review it so everyone will know what to do in case of an emergency.

Always keep an emergency cash reserve of 3-6 months expenses – this will serve you through job loss as well as if banks and ATMs are not functioning.

Make sure you have adequate insurance for your needs, such as homeowner’s, renter’s, flood and earthquake insurance.

Keep a central record of all essential household information, including personal identification and licenses, financial and legal documents, and medical information.

Consistently review your financial documents and insurance policies for accuracy.

Protect your records by storing copies of important documents in safe locations; use password protection for e-files or hard-drive backups and keep both electronic and paper files in a fireproof and waterproof box or a safe deposit box.

For more information on how to be financially prepared for emergencies, give us a call today.

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How to be Tax Efficient with Your Investments

Video Transcript:

Tax efficient investing involves strategies to help reduce the impact of taxes. Investments have three tax flavors: taxable, tax-deferred and tax-exempt. Taxable requires gains to be paid as they are earned each year. These include investments like CDs and money market funds. Tax-deferred gains remain sheltered from taxes until withdrawn for retirement at age 59 ½ like 401(k)s or IRAs. Tax-exempt interest is not taxable either by federal or state taxes.

To determine the tax effect of your investments, you must know which tax bracket you’re in and if capital gains rules apply. The highest investment income minus the lowest taxes due is your investment goal. So focus on placing fully taxable investments in tax-deferred accounts.

Don’t make the common mistake of putting investments that have tax benefits into an IRA. You will lose those tax benefits since all distributions from traditional IRAs are 100% taxable.

Let us help you make tax efficient investments in your portfolio. Give us a call today.

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How To Strategize for Your Social Security Benefits

Video Transcript

As life expectancy has grown, your retirement now can last between 20 and 30 years. So Social Security planning is critical, no matter how much money you have. It can make a difference of hundreds of thousands of dollars. For example, if you retire at age 62 and pass away at age 86, you’ll receive at least 25% less for 24 years. But, if you wait to retire at age 70, you’ll receive 32% more for 16 years.

If your retirement income at age 66 was $2,000 per month, this could be a difference of over $200,000 during your lifetime. Arriving at a decision on when to retire is not easy. If you retire early, it could affect your spouse’s benefits. And wages and other taxable income could cause Social Security benefits to be taxed at up to 85%. Proper planning takes all of these factors into account to determine a Social Security strategy. For instance, a repositioning of assets could reduce taxable income and provide for more reliable monthly income.

With over 500 different combinations of factors affecting benefits, it makes sense to talk to a financial advisor and get it right.

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What’s the Difference Between a Will and a Living Trust?

Video Transcript

A “Living Trust” is a trust you created that is active while you are alive versus a Testamentary Trust which becomes active at your death. When you create a Living Trust, you ensure that your assets will be disbursed efficiently to the people you choose after your death.

The big advantage to a Living Trust is that the trust doesn’t have to go through probate court like a will does. Probate can be expensive in attorney and court costs while also causing long and frustrating delays. A Living trust is an arrangement under which one person, called a trustee, holds legal title to property for another person, called a beneficiary. You can even act as your own Trustee if you’d like.

When you create a trust, the titling of assets is changed into the trust’s name, as if it was a living entity. Specific details of your wishes upon death can be provided for in the trust. But not everyone needs a trust. Transfer of assets at death may be handled through a beneficiary designation on some holdings and investments.

If you’re using beneficiary designations, make sure all your paperwork is up to date. For instance, if you get divorced, be sure to remove your ex-spouse as a beneficiary. For more information about how to plan well for your family’s future, give us a call today.

To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here

Is Estate Planning Only For The Rich?

Video Transcript

You’ve worked so hard to build your net worth, but it could fall into a sinkhole if you don’t do estate planning. Estate planning isn’t just for the rich, it is a necessity for everyone, and estate plan will allow you to pass along what you own to whom you want to receive it, the way want them to receive it, and when you want them to receive it. A will is a good start. Seventy percent of Americans with children under 18 in the household don’t have wills. If you don’t make a will, the courts may decide the distributions of your assets for you.

The will should take into account all you own and all the potential beneficiaries. One element of the will should be the living will, where you specify medical directions for life support by artificial means. Another element of the will should be durable power of attorney; this allows someone else to act on your behalf in case you are incapacitated. It’s important that all investment titling and beneficiary designations are working in concert with your will or other estate planning documents. Speak with your estate and tax planning professionals to evaluate any potential tax ramifications and call us today to learn more about strategies and resources that may help you preserve your nest egg.

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Financial Advisors,

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JILL ADDISON
Founder, FA Client Machine
Author, 7 Steps to Video Marketing Success
Co-Creator, Turnkey Video System

Digital Marketing Expert.
Video Specialist.
Retired World Traveler (24 countries).
Philanthropist.
Future Real Estate Queen.
Devoted Wife.
Learner.

JAMES STEWART, CFP®
Co-Creator, Turnkey Video System

Certified Financial Planner ® (30+ years)
Internet Marketing Expert.
Social Security Workshop Presenter.
Dog-lover/Breeder.
Husband, Father, Grandfather.

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