NAFOA’s Post

To all my friends, former colleagues, associates and talented people at Farmers Insurance Group whose position was recently eliminated, I am thinking about you and my heart is with you. Please know that there is life after your role is eliminated in Corporate America! Always reflect on all the good things, look at your many accomplishments and look at how you have grown personally and professionally. Know that you are talented, professional and you will always persevere when you put your mind to it. It is time to reinvent yourself! But also take the time to truly understand the marketplace, visualize what your next chapter may look like, what you want to accomplish next and plan before you jump into something that may not really be what you are or want to be. This is your opportunity to do something different. This is your time to reflect on what it is that you truly want to do? I believe things happen for a reason. You can attempt to stay in Corporate America, become an independent contractor and apply your special skills, purchase a business and or focus on the entrepreneurial space. Just know where there is a will, there will always be a way. This is the USA, the land of opportunity, where everyone can thrive, not just survive. Keep a positive attitude, stay confident and take control of your destiny, it is in your hands! All the Best Always!

Estate planning for grandparents is a heartfelt way to ensure your love and legacy continue to enrich your grandchildren's lives long into the future. At Life & Legacy Counselors, we specialize in creating estate plans that allow grandparents to provide for their grandchildren in meaningful ways. Whether it's setting up educational trusts, creating life insurance policies, or simply ensuring that your grandchildren inherit cherished family heirlooms, our goal is to help you pass on more than just wealth. We aim to help you leave a lasting impact that supports your grandchildren's dreams and aspirations. Understanding the best methods to support your grandchildren's future can be complex, but with the right planning, you can secure their financial well-being and contribute to their success. Life & Legacy Counselors offer tailored advice to navigate the unique challenges of estate planning for grandparents. From minimizing taxes to ensuring that your gifts have the desired impact, we guide you through every decision with compassion and expertise. Let us help you craft an estate plan that not only preserves your financial legacy but also passes on the values and lessons that matter most to you. 📍 Washington D.C., Maryland, Virginia, Massachusetts, Pennsylvania & New Jersey ➖ Estate Planning, Elder Services, Business Planning & Development, Estate Administration 📱 855-574-8481 🌐 https://lnkd.in/gWnkPtw6 — #LifeandLegacyCounselors #Legacy #estateplanning #estateplan #estateplanningattorney #estateplanninglawyer #familylegacy #familyestate #generationalwealth #generationalwealthbuilding #legacyplan #livingwill #yourlegacy #familyplan #familyplanning #familyplans #LawFirm #Marylandlawyer #Virginialawyer #WashingtonDClawyer

Have you named beneficiaries on your financial accounts? If so, when is the last time you updated them? I can review your designations to make sure your assets will go exactly where you intend. #FinancialAdvisor #FemaleAdvisor #Philadelphia #Fishtown

As summer approaches, financial advisors face the challenge of ensuring seamless client service while taking well-deserved vacations. To maintain client trust and satisfaction during these periods, managing expectations before heading out on holiday is essential. “Advisors should add an out-of-office alert to their email signature approximately two weeks before their departure, advising clients of the dates they’re away, if they will have phone or e-mail access, and whether there will be no reply or a delay in replying,” says Melissa Harrell, CFP®️, CLU, CHS, a financial planner with McRae Wealth Management in Winnipeg. “It should also include the alternative contacts for who will handle their various needs, such as investments or insurance.” Here are three steps advisors can take.

When we say, “people first, numbers second,” we mean it. No matter your goals and concerns, our mission remains the same: to help pre-retirees and retirees individually and guide them through retirement with a trusted advisor.

Good piece articulating the challenges the Department of Labor will face in executing its new set of policies. Advice is a must-needed element in service of investors. Adequately striking a balance between protecting this group and allowing the industry to continue the freedom to execute effectively is critical.

𝐀𝐧𝐬𝐰𝐞𝐫𝐢𝐧𝐠 𝐭𝐡𝐞𝐬𝐞 𝐅𝐫𝐞𝐪𝐮𝐞𝐧𝐭𝐥𝐲 𝐀𝐬𝐤𝐞𝐝 𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 1. Can a 1 month baby be insured? - YES. We can insure as young as 7 days old with Prulife UK 2. How much is the minimum insuravest? - We have plans for as low as Php 1,800 only (for kids) * 3. I’m a senior citizen, can I be insured? - YES po. I have clients whose age is between 60-70, best for Estate Planning 4. Is there a five-year plan in Prulife UK? - YES We Do This is the best plan for short term savings goal with 5 years term, with high insurance coverage until 100 years old, whe high yield on the growing investment. 5. If I go work or travel abroad, am I still insured? - YES, as long as you don't leave the earth. We have a lot of OFW and frequent traveler clients all over the world. 6. We have a fear of losing agents after the closing the deal. So many agents are gone now and some ghosted us. What are you going to do about it? - I am your lifetime Financial Advisor. I provide my services to orphaned clients out of concern, and I also continue to invest in myself to be an expert in Insurance and Investment industry. And I promise to uphold my duties to all kf my clients who trust and believe in me. 7. Can I withdraw from my investment anytime? - Yes, it’s your money and savings afterall. But We Do advise to alot this specific savings for greater purpose like dream builder and retirement Many of us aims to have this plan for long term goals and not for instant gratification to maximize the benefits. Your trusted Financial Advisor, Marian Louwen Cestjna, CIA Associate Unit Manager; Premiere Level Consultant 𝑃𝑅𝑈 𝐿𝐼𝐹𝐸 𝑈𝐾 *𝘤𝘰𝘮𝘱𝘶𝘵𝘢𝘵𝘪𝘰𝘯𝘴 𝘮𝘢𝘺 𝘷𝘢𝘳𝘺 𝘥𝘶𝘦 𝘵𝘰 𝘢𝘨𝘦, 𝘰𝘤𝘤𝘶𝘱𝘢𝘵𝘪𝘰𝘯, 𝘥𝘦𝘴𝘪𝘳𝘦𝘥 𝘤𝘰𝘷𝘦𝘳𝘢𝘨𝘦𝘴/𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴.

Aflac can help nourish financial health for you and your employees