As a financial coach and licensed professional, my number one priority is to make sure the family I sit down with clearly understands the importance of protecting their families and themselves with life insurance. We are living in tough times. According to the CDC we have a higher number of deaths than other years. I’ve always said that there’s one thing for sure, and that is death. We don’t know when that will be for most of us but death is certain. As an agent, I practice what I preach. But you’ve be surprised how often agents don’t protect their lives or let their policies lapse. If you’re an agent listening to this and don’t have coverage or have left your policy lapse your doing your family a disservice. So get it reinstated before God forbid anything should happen. We are not exempt from anything. If you just bought a house, got married, or started a family, the more the reason to protect your life for your loved ones. Especially if you’re the breadwinner! If you let your policy lapse due to financial hardship, contact your agent and ask for a way to reinstate or purchase an affordable plan. There’s always a way and it doesn’t have to be pricey. What I love about what I do is having access to 150 product providers to choose from. Which helps because all families have different needs and different household incomes. But there’s always something for everyone. It’s just a matter of doing your due diligence and getting informed. I personally do 30-45 min discovery calls for anybody interested in any of the services I offer as a free service. If you or anybody you know is looking into this feel free to reach out. Our motto is No Family Left Behind and that is my mission.

As we wrap up September and Life Insurance Awareness Month, I want to close with this episode. So listen carefully and act accordingly. It can save you and your family financial struggles. It saved my family in 2020. Don’t think it won’t or can’t happen to you because it does happen sooner or later. My goal is to bring awareness of how this information can benefit you and your family. Seriously think about what would you like your last letter to your children, spouse, mom, dad, siblings…say. Will they struggle financially to carry out your wishes or will they be able to follow through and be grateful that you kept them in your heart until your last breath. This is simply food for thought as you go about your day just like any other. Your life matters and so does life insurance. Speak to a licensed professional and do your due diligence. Don’t forget to follow and share!!

Why is it so taboo to talk about death in our community? As a mother let me tell you why, it’s the last thing I want to think about. I want to only focus on the life I want to spend with my children and family. But life doesn’t necessarily happen this way. Which is why I say, “be proactive instead of reactive.” Personally, I would never want my family to go through financial hardships let alone having to handle funeral expenses when grieving. This episode will give you an insight on what I personally went through but also why we had financial peace of mind. This month of September is Life Insurance Awareness Month and what better way to discuss the importance of it and options available out there. Listen in and protect what matters most, your life!! Make sure you do your due diligence before moving forward and make sure it makes sense for you and your family. Remember, your life matters and so does life insurance!!

When it comes to selecting your retirement plans, whether it be through your employer or another financial institution, how much do you really know about what you’re doing? Exactly!!! The majority of the time the average middle income individual doesn’t know what they’re doing nor do they understand the lingo. Which is why it is so important to learn more about the plans available. You have access to tax deferred and tax free plans. Do you know what those are and how they work? If you don’t, lets learn together. Do you know the age requirement needed to access your money penalty free? How about the options available to you should you get laid off and need to do something with your employer retirement plan? I’ll be honest with you, I sure didn’t!! I made mistake after mistake because I didn’t know what I didn’t know. Now, it’s a whole different story. I’ve informed myself and educated myself in financial services for many reasons, but one specifically, so that I could learn and not make the same mistakes again. So here I am now. My goal is to educate, inform and help others who need this information but don’t know how to go about it. Let my podcast be a resource for all families from all walks of life. I want this podcast to be your lifeline. What do you say? Feel free to share with friends, family and acquaintances!! Remember knowledge is power only if applied.

Nineteen states, including California, New York, Pennsylvania, Illinois, Michigan, and Minnesota, are considering following Washington's lead in taxing those who do not own Long-Term Care Insurance. Is this something you’re ready for? I’m guessing the answer is no. Because I sure am not. As a financial coach and agent I don’t have LTC in place!! For two reasons, first because up until a few years back I didn’t know my family’s medical history was of a concern and reason number two, I’m not in my fifties yet. Now it seems I may be making changes to my policy. So why should you consider Long Term Care? Here a four reasons why. 1) To protect their assets against the high costs of long term care; 2) to preserve their children's inheritance. 3) To make long term care services affordable, such as home health care and custodial care. 4) To provide themselves with more options than just nursing home care, and to pay for nursing home care if it's needed. Remember, Long-term care services help people live as independently and safely as possible when they can no longer able to perform everyday activities on their own. So, what should you do to avoid the possible Long Term Care tax in California? You must have a tax-qualified Long-Term Care Insurance policy following Section 7702(b) of the U.S. Code. Reach out to your personal financial advisor or agent for assistance. If you don’t have one, you’re more than welcome to reach out to me. Lastly, don’t wait for this law to take effect. Do it now!!

Hello everyone! We’re back!!! We have a lot of information to share with everyone. We might take a break here and there but one thing for sure. We aren’t going anywhere. With that being said, let’s address the elephant in the room. This social media talk about becoming or retiring a millionaire. As licensed professionals we get the side eyed or rolling of the eyes every time we bring up this topic. But have you ever asked yourself, what do they know that I don’t? This is why one of my most used phrases is “you don’t know what you don’t know!” But if you’re open to learning about it you’ll soon find out what that is. This episode discusses how retiring a millionaire isn’t to far fetched and why it’s such a big deal. In case you haven’t noticed a lot has changed in the economy in the past three years. How you make your money work for you now will have a great impact on what your retirement future looks like. If you’re not sure where to start then I’m talking to you. Don’t procrastinate! Start your financial planning now. You’ll be glad you did. I can assure you of that. If you have any questions feel free to email us at [email protected] or simply visit our website for more information at mommymoneymatters.com

The title of this episode was actually a question from one of my followers on Social Media. So I decided on turning it into a podcast episode to reach the masses. In this episode I share five tips on what I personally recommend when getting started with investing. Please keep in mind these are only recommendations and for informational purposes. For further assistance contact a licensed financial professional. I do want to reiterate that starting young is the BEST place to start. There’s a lot to learn about how money works and how you can make it work for you. Don’t spend 40+ years working for your money and not learn about the options you have to growing your money and placing your self in a better situation financially. Listen in and share with your young adult children. For more information feel free to visit our website at www.mommymoneymatters.com

This episode is focused on giving you information regarding what to do when it comes to your money matters. We’re specially, addressing the elephant in the room, which is the insolvency of banks. What to do and how to go about in protecting your money. First things first, do not panic. As you already know, the federal government is already on top of it, and making sure that all the customers who have money in these banks, don’t lose their money. There are plenty of reasons as to why a bank becomes insolvent, so listen in to episode and find out some of the reasons why this happens. Although, I highly recommend you putting your money where millionaires do. Keep listening to find out where that is. Also, we have great news! We did a soft launch of our website late last week! Make sure you go and check it out! Give us any feedback in regards to it and input on what else you’d like to see on the website. Feel free to subscribe to our email list so that you can get our monthly newsletter with all kinds of tips when it comes to your money. If you’d like to send us an email, feel free to do so at [email protected] . Don’t forget to visit our website at www.mommymoneymatters.com.

An annual financial review gives you a chance to evaluate your financial position. Many changes can affect your investments during the course of a year. It's important to monitor your retirement and investment accounts regularly and make adjustments annually to stay on track. Your asset allocation could be off balance. These reviews provide you and your Financial Advisor/ coach/planner the opportunity to take an in-depth look at your goals, and prioritize what matters most. Together, you can determine whether you're on track to achieving them or need to identify ways to catch-up. It is imperative to review your plans over time. You also need to adapt your financial plans as your circumstances change. Listen in on why I find important. And remember only take what resonates.

As I was getting ready to select a topic for this episode, I was in the process of performing annual reviews with my clients, who were asking questions in regards to everything in their financial house. Which led me to this episode. I will be addressing a little bit about everything when it comes to cleaning up your financial house. Warning! This episode may seem as if I am all over the place but in reality these are all the topics of conversations with my clients in their annual reviews. What is an annual review you may ask? An annual review is performed by financial professionals and advisors when we sit down with our clients via zoom or face-to-face to go over the financial plans they have put in place to achieve their financial goals. We let them know if they are on track to achieving those goals or if we need to make any adjustments/course corrections based on the numbers. Since it’s tax season, I will cover a little bit of information on taxes, as well as Roth IRA contributions, debt, retirement, and life insurance. As I cover some of this information with you, I will also talk about stories from some of my clients and what they’ve experienced in regards to these topics. If you want to learn about what to look for in your financial house, listen closely. Don’t forget to share!!!