Loren Bailey, Senior Wealth Manager 2/8/22 Loren Bailey, Senior Wealth Manager 2/8/22

The Long Game

We all know that life can throw the unexpected at us…just look at the past few years for example…who could have predicted? You’ve reviewed your plan dozens of times and see nothing wrong. Then you read an article which stokes your concerns…one that states that 70% of people over age 65 will have some sort of disabling event that will require assistance of 2 months or longer.

Tom Lawson, Director of Military Outreach 2/7/22 Tom Lawson, Director of Military Outreach 2/7/22

Estate Planning Considerations for the New Year

As we welcome a new year, it is a good reminder to review your estate plan to see if it actually reflects your desires and wishes. Here we’ll discuss a few of the common errors we see and some considerations that may not seem as obvious.

Loren Bailey, Senior Wealth Manager 1/10/22 Loren Bailey, Senior Wealth Manager 1/10/22

Is Inflation the New Paradigm?

The holiday after Turkey Day, Black Friday, is the traditional kickoff to the holiday buying frenzy. Of course, way before the starter’s pistol was fired, we all noticed the increase in prices; not just in the more obscure goods and services, but in everyday wants and needs. It’s like everything is more expensive, and not just a little…but a lot! What gives?

Tom Lawson, Director of Military Outreach 1/10/22 Tom Lawson, Director of Military Outreach 1/10/22

Understanding Inflation

With the rise in prices, we thought a brief primer on inflation was warranted. The simple definition of inflation is the sustained upward movement in the overall price level of goods and services in an economy. The result of inflation is it takes more money to buy the same amount of goods and services than it did in the past.

Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 11/9/21 Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 11/9/21

The Annuity Comeback

On October 6, 2021, BlackRock announced that it would be introducing annuities as a built-in option within BlackRock’s 401(k) plans. I believe that this latest product introduction in defined contribution retirement savings plans is a huge shift in the retirement planning industry and a bellwether for the state of personal retirement savings plans for most Americans.

Loren Bailey, Senior Wealth Manager 11/8/21 Loren Bailey, Senior Wealth Manager 11/8/21

Are Military Health Benefits Enough?

Many people are already comfortable with their post-retirement healthcare situation and those who spent time in the armed forces may think that their current Veterans Administration (VA) or Tricare For Life (TFL) coverage is adequate. However, limiting your coverage to only the military-sponsored programs may cost you in terms of time, energy and, most importantly, coverage!

Tom Lawson, Director of Military Outreach 11/7/21 Tom Lawson, Director of Military Outreach 11/7/21

Moving Considerations for Military Retirees

So you’re retiring from the military and are moving to your dream home… here are a few tips and things to remember.

Client First Capital 10/26/21 Client First Capital 10/26/21

Fund Your Trust!

The following article summarizes the conversation with Amar Shah, Founder of Client First Capital, and Alex Rodriguez, Principal Attorney at Rodriguez Law Offices, as they discuss the importance of funding a trust.

Loren Bailey, Senior Wealth Manager 10/10/21 Loren Bailey, Senior Wealth Manager 10/10/21

Medicare Advantage Versus Medicare Supplement

October 15th is the beginning of the Annual Enrollment Period (AEP) for Medicare. But what is Medicare anyway? There is much confusion around the topic, particularly between Medicare Advantage and Medicare Supplement. Generally speaking, Medicare is our national health insurance program in the United States.

Tom Lawson, Director of Military Outreach 10/9/21 Tom Lawson, Director of Military Outreach 10/9/21

Service-members’ Group Life Insurance

So, I’m leaving the Military. Can I keep my SGLI? You can keep it for 120 days, then the answer is ultimately “No”.

Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 9/14/21 Amar Shah, CFA, CFP® Founder & CIO, Client First Capital 9/14/21

Roth Conversions: When and How to Use Them

Many of you know that I view Roth IRAs as simply the best type of retirement account. However, there are instances where it does not make sense to overfund a Roth IRA. In this post, I want to share the top three reasons I see for clients in retirement to limit the funding of a Roth IRA.

Tom Lawson, Director of Military Outreach 9/13/21 Tom Lawson, Director of Military Outreach 9/13/21

Survivor Benefit Plan

Retired pay for life is one of the great retirement benefits a qualified Military member is entitled to. A percentage of it can also continue as a benefit to your spouse should you predecease him or her. One of the most important factors for a married service member as they consider retirement is whether they wish to provide an annuity to their spouse should they predecease their spouse. This is called the Survivor Benefit Plan (SBP).

Client First Capital 6/17/21 Client First Capital 6/17/21

Should You Use a TOD Designation on Your House?

The following article is a summary of the conversation with Amar Shah, Founder of Client First Capital, and Alex Rodriguez, Principal Attorney at Rodriguez Law Offices, about titling your house and the pros and cons of a TOD (Transfer on Death) designation.

Client First Capital 6/10/21 Client First Capital 6/10/21

Being Prepared: Planning for Diminished Capacity

This article will walk through the importance of estate planning, setting up a living trust, power of attorney and medical attorney and what key steps to take with your financial advisor to tackle each one. We are also going to provide a brief overview of long-term care insurance and the benefits and considerations.

Client First Capital 6/3/21 Client First Capital 6/3/21

Beware of Scammers

Especially with the pandemic, scams are on the rise. Very often, senior citizens are targets for fraud and with that in mind it we thought that it would be important to round up the most common retirement scams that you should be on the lookout for.

Client First Capital 5/29/21 Client First Capital 5/29/21

5 Risk Management Strategies for Protecting (and Growing) your Wealth

This article dives into five ways you can be on the offensive side of managing risk and protecting and growing your wealth in the years to come.

Client First Capital 4/21/21 Client First Capital 4/21/21

Protecting What is Yours

Whether due to disability, dementia, or simply enjoying an exotic vacation, there are many ways you can end up unavailable to make critical financial or health care choices for yourself or your loved ones. If you’ve not documented your desires in advance, it can add extra stress for everyone, plus the outcomes may not be what anyone had in mind!

Client First Capital 4/7/21 Client First Capital 4/7/21

Essential Tips for planning a Multigenerational Vacation

As we slowly prepare to return back to normalcy, it is the perfect time to begin planning a trip with your loved ones. A multigenerational vacation can be a time to build new memories with your family. Below are a few things to consider when planning your next trip to make sure it is one for the books!

Client First Capital 3/27/21 Client First Capital 3/27/21

Budgeting for Retirement

In this video, we walk through a few tips for each different phase of retirement.

Client First Capital 3/18/21 Client First Capital 3/18/21

Do Individuals in retirement need an estate plan?

If you are retired, spending down your assets, and don’t have young children that need guardianship, do you really need an estate plan? The answer is still YES because if you don’t have one the government will get to decide!

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