prepareinadvancesothesurvivingspouseknowswhatto
expectandcannavigatethelegalandfinancialpaperworkmore
confidently.Anywomanneeds,atminimum,abasicunderstanding
ofherfamily’sfinancesandtobeinvolvedinthefinancial
planningofherfuture.Thismeansnotonlybeinginvolvedin
thedailydetailsbutalsointhelongtermplanningaswell. This
notonlyreducesyourfinancialstressbutwillmakeyoufeelmore
incontrol.
Ifyoudon’thaveawrittenfinancialplan,startfromthe
beginning.First,getasnapshotofyourfinancialpictureby
reviewingyourincomeandexpenses.Detailedinformation
isimportant.Itdoesn’tmatterifyourincomeis$50,000or
$500,000,youneedtohaveaclearpictureofwhereyourmoney
goes.Takeintoaccountnotonlythebigexpenseslikeyour
mortgageandcarpayments,butalsothosedailyexcursionsto
Starbucks,hubby’sweeklyteetimesatJerichoandyourmonthly
shoppingspreestoWitchell’s. Howaboutyouremergency
savings…hasitkeptupwithyourcurrentlivingcosts?Contrary
topopularwisdom,creditcardsshouldnotbeusedasadisaster
fund.Withjobsecuritywaning,itisimportanttohavea
financialcushion(abig,fluffyone!)togetyouthroughany
unforeseencrisis.
Next,reviewyourinsurancepolicies.Looktoseeifyourinsurance
coveragewillprovideforthewellbeingofyourfamilyshouldyou
oryourpartnerpassearlyaswellasforpotentiallong-termhealth
needs.Alifeinsurancepolicycannotonlyreplaceincomebut
ensurethatheirscanpaydebtsandestatetaxes,fundfuture
retirementsavingsandsupporteducationcosts.Long-termcare
insuranceisanoptiontohelpyoupaythecostoflong-termhealth
needs.Long-termcareisnotonlycostly;it’saveryrealpossibility.It
isestimatedthatwehavea50%chanceofneedinglong-termcare
atsomepointinourlife. Forcouples65andover,thereisa75% ...words not “usually”
likelihoodthatonepartnerwillneedlongtermcare.Purchasinga
longtermcareinsurancepolicywhileyou’reyoungandhealthyis
heard in a financial
onesteptowardinsuringagainstfinancialcatastrophe.
Nowtakeagoodlookatyourretirementandinvestmentaccount
planning conversation.
statements.Doyouhaveseveraldifferentaccountsinvarious
locations?Byconsolidatingsixorsevenaccountsintooneor
two,youcanreducethenumberofindividualpaperstatements
andsaveonyearlyadministrativefees.Notonlydoesthis
simplifythings,itiseasiertotracktheperformanceofyour
investments. Ifthestatementsarehardtoreadandyourglasses
don’thelp,seektheguidanceofafinancialprofessional.An
independentfinancialplannercantranslatefinancialjargoninto
You’ll hear them at
plainEnglish.Throughcollaborationandunbiasedobjective
advice,shecandesignafinancialplanthataddressesyourpersonal
Harvest Group Financial Services.
concernsandestablishsapathtowardyourgoalsanddreams.
So when you start to review and reorganize… don’t
Wealth Management • Annuities • Mutual Funds • Long Term Care
forget about your financial house. Then sit back, relax
Income Management • Estate Planning • Investments
and order out!
StorybyLorettaHutchinsonMA,NCC
Call us today for a complimentary analysis
CertifiedFinancialPlanner
ofyour current financial situation.
Langhorne,PA
RegisteredrepresenativeofferingsecuritiesthroughCentaurus
215.860.6056
FinancialInc.MemberFINRA/SIPC,SupervisoryBranch:3905 www.harvestgroupfinancialservices.com
StateStreet,Suite8,SantaBarbara,CA93105
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RosemaryG. Caligiuri CASL
™
, President
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Loretta Hutchinson MA, NCC, Financial Planner
U
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Securities Offered Through Centaurus Financial, Inc, Member FINRA/ SIPC K
S
Supervisory Branch: 3905 State Street, Suite 8, Santa Barbara, CA 93105 1-888-569-1982
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