CCA Financial Wellness

Here’s a good one for all the insurance — and music — lovers out there: What did Fleetwood Mac get insurance for? Landslides 🤣

Most people get insurance for peace of mind. Some get it to grow their Retirement, invest in a Business, or create safe, tax-free cash flow. You can sleep better at night knowing that you and your loved ones are in good hands — that you have a plan in place for your future, regardless of what happens. As insurance professionals, we are the bearers of better sleep 😉 Just send me a message or give us a call so we can go over what keeps you up at night. You may not know what options you even have! 😀 No obligation, No sales pressure to Purchase a plan

Let me help you out with this.... #EmergencyFundCreation

Decided I’m going to open an insurance company that specifically caters to florists. I think I’ll call it ‘Oopsie Daisies’ We can't hang if you don't giggle at this lame stuff. 😂

🏡 Navigating Costs After Losing a Loved One: A Guide to Your Parent's Property 🌿💔 Navigating the financial aspects of a parent's property after they pass away can be a sensitive and challenging journey. It's essential to be aware of the potential costs that may arise during this period. Here's a glimpse into what to consider: 💼 **Probate Expenses:** Probate is the legal process of settling a deceased person's estate. It comes with associated costs, including court fees, attorney fees, and executor fees. Understanding the probate process can help you anticipate these expenses. 🏦 **Mortgage and Property Taxes:** Ongoing mortgage payments and property taxes may still need attention. It's crucial to understand the terms of the mortgage and ensure timely payments to avoid any complications. NOTE: IF YOU MISS PAYMENTS, THE BANK WILL HAVE AN EASIER TIME REPOSESSING YOUR PARENTS HOME, THAN IF THEY WERE ALIVE 🌐 **Property and Estate Taxes:** Many of us will only be looking at covering property taxes, and although that cost will be much less than estate taxes, its still a cost that must be paid in full. In 2025, if congress does nothing, the estate tax burden will drop to lower values, so it's best to plan ahead. 🛠️ **Maintenance and Repairs:** Property upkeep is an ongoing responsibility. You might need to cover maintenance costs or address necessary repairs to prepare the property for sale or transfer. Remember, the home has to pass an FHA inspection for most sales! 🗂️ **Legal and Administrative Fees:** Engaging legal and administrative services for tasks such as handling the will, distributing assets, and managing the estate can incur fees. Clarify these costs in advance to avoid surprises. 💰 **Financing the Transition:** If the property needs to be sold, there may be costs associated with preparing the home for sale, real estate agent commissions, and closing costs. Understanding these financial aspects helps plan for a smooth transition. 🤝 **Seeking Professional Guidance:** Dealing with the financial aspects of a loved one's property can be emotionally challenging as well as very costly. I can answer any questions about Equity Protection plans so

CNBC published an article saying 62% of Americans are living paycheck to paycheck. Vanguard (largest retirement management company) issued a statement saying in 2023 a record number of people pulled out money from their retirement via a ‘hardship withdrawal.’ The country is currently facing a social security crisis, wherein it’s fully known we cannot fund future retirees, despite us paying 6-12% of each paycheck to social security. Whether you have a healthy 401k/403b or you are living paycheck to paycheck, there are financial baby steps you can make to: 1. Ensure you have ample funds in the face of a medical emergency 2. Build a tax free, market-safe retirement fund using the power of compound interest The average American pays over 130k in 401k management fees over the course of their entire lifetime. There are other options.

https://lnkd.in/eRCq2NBH Best Lecture I've Come Across on Infinite Banking with Insurance 🌐

There are two types of people in the world… Those who want their asses covered, and those who... don't😉 We’re pretty sure we know which one you are! Whether you have policies currently in place or not, take a moment to check if there's anything left "exposed." 😂😉

Insurance is a powerful investment — one that can save you from unexpected expenses and damages, not to mention crippling debt. That said, I know how difficult it can be to pick a policy, especially when you don’t understand the ins and outs of insurance. So let me handle it for you. Whether it’s answering your pressing policy questions, or setting you up with the right plan — I'm are here to help you with all of your insurance-related needs. Interested in learning more about the services I have to offer? Want to get the process started? Just send me a message or leave a comment down below ☺️

💣💥💣💥💣💥💣💥💣💥 The boomer generation is said to hold $78.1 TRILLION Many believe this will eventually trickle down to Millenials/GenX, but there’s a huge catch: If your parents have any net worth (even just 100k) and you think this will automatically go to you/you and your siblings, think again… If your parent(s) end up needing Long Term Care, Hospice Care, Home Health Care, etc. 1. Medicare will NOT cover these costs. 2. These cost $4-6k Monthly. 3. The state will require them to spend down ALL their money (down to $2k) to qualify for Medicaid. 4. The state will require the Majority of their SSI to go to their Long Term Care facility. 5. Any gaps in spend-down, and the state WILL go after their assets AFTER DEATH to recoup the costs paid by Medicaid. The increase of medical costs for end of life expenses is the fastest way these trillions in assets will evaporate before being passed to the next generation. There’s a little thing called Medicaid-Partnership-Qualified Long Term Care Insurance Plans, where dollar-for-dollar you can protect your assets from being spent-down by the state. If you have an estate worth 200k and you want this preserved for your heirs, get a policy for 200k and you will not have to spend those assets down before qualifying for Medicaid. Those assets will be untouchable. NOTE: if you have LTC benefits from a Marketplace plan, the Marketplace subsidy discontinues when you become Medicare eligible (age 65) These policies are regulated and required to: 1. Be non-cancellable/permanent 2. Keep pace with Inflation/Compound Inflation-Protected