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The Official Newsletter of Fullerton Financial Planning eussI yraurbeF yraunaJ

What s Inside 03 04 05 07 Christmas Event 2020 Behind the Desk Our 2020 Blessings Saving for Retirement Have you heard of our Market Mondays Do you have questions for our advisors that you think other clients could benefit from This past December Fullerton started our very own virtual Market Mondays Market Mondays is the first Monday of every month and discusses previous market trends along what we could expect to see for the month ahead At the end of our month recap we open the floor to questions so that we can help ensure you start the month strong Check your email to sign up for our next Market Monday Page 2

THANK YOU FOR YOUR GENEROSITY When our Christmas Event approached this year we were nervous How would we instill our Christmas Pie tradition in a season unlike anything we ve ever seen Although the pies were replaced by delicious cookies thanks Kim s Cookie Cottage the morale and Christmas cheer remained constant if not better than the year before If there s one thing we can count on it s the undeniable generosity of our clients and their willingness to help those in need during this holiday season Thanks to your donations we were able to give over 10 000 in toys and bikes to those who have felt the financial impact of the events that have unfolded in 2020 We would have not been able to do this without you our clients With normalcy approaching faintly in the distance we re excited to start planning for our event next year in person See you soon We must find time to stop and thank the people who make a difference in our lives John F Kennedy

Behind the Desk MEET OUR KRIS FIRST IMPRESSIONS CONCIERGE For the past year Kris our first impressions concierge has been going above and beyond to make sure that every guest who comes into our office feels at home Between meeting clients at their car so they can find our office okay to making fresh ice cream for our staff Pictured above Kris continues to bless our team at Fullerton Financial Planning When you aren t seeing her behind the front desk she can be found planting rose bushes and baking fresh pastries and treats Thank you Kris for being a bright light to all those inside our office and for continuously showing up to work with the biggest smile on your face We are so appreciative of you Page 4

Our 2020 Blessings 01 Zach Tobey Client Acquisition Specialist recently proposed to his girlfriend She said YES 02 Brooke Cox Marketing Coordinator added a furry friend to her family Butters 03 Matt Tobey Senior Director welcomed his first child Hayden with his wife Tori 04 Tyler Price Assistant to the Lead Advisor welcomed twins into his family this past summer with his wife Amanda 05 Steve Fullerton Jr Senior Director caught the Deer of a lifetime this November 06 Hailey Satterfield Marketing Associate added Finn the sweetest German Shepard and Retriever Mix to her family 07 Kristen Flavell Scheduler had nothing but smiles after adding Luna the Corgi to her pack 08 02 01 03 05 06 04 07 Alex Becker Marketing Director finds out that her next baby is going to be a boy The Fullerton s will officially have FOUR grandbabies What are you thankful for this year 08

5 Factors that Will Decide How Much You Need to Save for Retirement Many people heading into retirement find themselves concerned not just with having enough money to retire but if that money will last through retirement If that s you you re in the right place and in the right hands with Fullerton Financial Planning We ve narrowed our process down to 5 factors that will direct how much you should be saving for retirement and in what ways 1 Retirement Goals Everyone s goals for retirement are unique so depending on what your goals are travel spending time with family philanthropy a home on the coast etc your plans are less about endlessly building wealth and more about building wealth to support your goals 2 Inflation If the past few decades serve as any indicator inflation rises at an average rate of 2 46 annually For most of us inflation is not enough to notice with any kind of shock from year to year it s only when we notice how it has compounded over a period of time that you can realize ultimately adds up to 102 46 In other words something you bought in 1990 for 100 now costs a little over 200 The main thing you want to know about inflation and how it figures into your financial plan is that it needs to be accounted for 3 Cost of Living Where you chose to retire can have huge implications for your financial plan and how you want to spend your retirement As inflation rises so too does the cost of living though the two are not directly connected Cost of living varies from city to city and is generally considered to encompass basic expenses like housing food taxes and healthcare 4 Health Care Expenses Two factors can impact healthcare expenses in retirement age and cost of healthcare Are you prepared to handle the shifting tides of both As you get older you will naturally need more attention and care when it comes to your health Once you reach 65 and qualify for Medicare that can help alleviate some of out of pocket costs but won t cover it completely 5 Social Security In the twenty first century Social Security is considered as nice to have and 97 percent of the elderly aged 60 to 89 either receive Social Security or will receive it according to Social Security Administration estimates How long you were in the workforce and what you made or what percentage you paid in will all factor into what amount you actually receive but the average payment is somewhere around 1 514 a month or 18 170 a year Compare that estimate to your former or current salary and you ll understand the vast changes you may need to make if you re relying on Social Security alone Your transition into retirement doesn t have to be stressful if you re willing to put in the work consider advice from financial professionals and trust in the process Don t be caught off guard by the realities of retirement our team can get your accounts prepared so you have choices in retirement not situations you re stuck in Sources https inflationdata com Inflation Inflation DecadeInflation asp Accessed Dec 15 2020 https www investopedia com terms c cost of living asp Accessed Dec 15 2020 https www hhs gov answers medicare and medicaid who iselibible for medicare index html Accessed Dec 15 2020 https www cbpp org research social security policy basics topten facts about social security Accessed Dec 15 2020 Page 6

Do not save what is left after instead spend what is left after saving Warren Buffet spending

Interested in a Webinar or Seminar Fullerton Financial is now offering digital webinars Here are some upcoming topics we plan to discuss Strategies for Optimizing your Social Security The Three Risks in Retirement Smart Women Smart Retirement The Three Advantages of Fixed Index Annuities Understanding your 401 k How tax cuts and unemployment could affect your retirement If there are any other topics you want us to discuss email us at info fullertonfp com Have You Seen Us Watch us weekly on Sunday on CBS Channel 5 at 09 30 A M KUTP FOX 10 Extra at 8 00 A M and on KFYI 1 00 to 2 00 P M Listen to us on Sundays at 12 00 P M on KTAR 92 3 and at 1 00 P M on KPYU 550 Stream the Fullerton Financial Hour podcast on both Apple Podcast and Spotify Watch us nightly on NBC Channel 12 News Grab Stephanie Fullerton s book Living a Happy Healthy and Inspired Retirement Your Definitive Guide available in our office or online at Amazon com Want to Get Involved At Fullerton Financial Planning will love to bless people and things that touch our world We thought why not join two of our absolute favorites serving our community and our clients Each quarter several members of the Fullerton Team choose to volunteer their time at several different organizations Would you like to donate your time and volunteer alongside our team members Contact our office for information about our next give back opportunity Corporate Phone 623 974 0300 Tempe Phone 480 912 4500 Fullerton Financial Planning FFP is an independent financial services firm and uses a variety of different investment methods Investing involves risk including the potential loss of principal By contacting FFP you may be provided strategies that utilize insurance products those guarantees are backed by the financial strength and claims paying ability of the issuing insurance company Investment advisory services are offered through Kingdom Financial Group LLC KFG an SEC Registered Investment Advisor KFG maintains a co advisory relationship with AE Wealth Management Neither the firm nor its agents provide tax or legal advice The information contained is for educational purposes only and does not intend to make an offer or solicitation None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product