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NEWSLETTERT H E O F F I C I A LJANUARY + FEBRUARY 2023FEATURING A LOOK BACK AT 2022

TABLE OF CONTENTSBlog—Establishing an Estate PlanHarvest of Thanks03A recap of our biggest event of theyear! Learn about our annual clientappreciation, toy and bike driveevent.Meet Our Team04Get to know the people behind the company.05Fullerton Gives BackLearn about the impact you made in2022! 06Calendar of EventsFind out what's happening atFullerton in the first quarter of 2023.08Read our latest blog post about establishing an estate plan.10From the Desk of BeezerResources and important informationbrought to you by the Fullerton pup.12Contact UsWe'd love to hear from you! Learn howto contact Fullerton Financial and stayin touch.11Who We AreLearn about the Mission Statement & Core Values that form our foundation.S E E W H A T ' S I N S I D E

Rated Parental Guide (PG)The American Retirement landscape is rapidly changing. Will you be ready for the future?2023 FIRST QUARTER EVENTSF I N D O U T W H A T ' S G O I N G O N A T F U L L E R T O NJANUARY 10TH & 11THHarkins Locations:Cine Capri, Scottsdale &Arrowhead Fountains Learn about how to protect yourself from the Nation's emerging retirement crisis.REGISTER NOWwww.FullertonFp.com/boomermovie INVITES YOU TO A DOCUMENTARYSEATING IS LIMITEDAn Expose of America's Retirement ExperienceJoin us January 10th and 11th for a Movie Day!Save the Date: Bunk Bed Build April 15, 2023

HARVEST OF THANKS RECAPClient Appreciation, Toy & Bike Drive11.19.22Scan the QRCode to watch arecap video!WANT TOSEE MOREHARVESTOF THANKS?or visithttps://www.youtube.com/watch?v=vD8SYHz1cPg&t=3s

Dianne SackriderDorean & BRISara MoodyDirector of Finance enjoyed some in person time together! Doreanworks in Tempe and Briworks remote.First Impressions ConciergeMEET OUR TEAMT H E P E O P L E B E H I N D T H E C O M P A N YEMPLOYEE OF THE MONTHFUN AROUND THE OFFICEHONORABLE MENTIONS H E ' S R E A L L Y T H A T A W E S O M E T H E W O M A N B E H I N D T H E D E S K Congratulations to Dianne, our December Employee of themonth. Dianne works countless hours for everyone in ouroffice. From HR responsibilities to budgets her plate runsover without a single complaint. Dianne, we are incrediblygrateful for you! We are better because of you!! You might not recognize this face or name, but that'sbecause she is one of our newest employees here at FFP.Sara comes to us with a wealth of knowledge in thecustomer service field. In her short time here, her light hasshown bright and we are excited for her future with us.Stop by and say hello to her at the front desk in Peoria.Merry Christmasfrom some of the ladiesat our FFP Christmasparty. Shop till you drop..Dianne, Connie and Angie,shopped up a stormduring our finale serviceproject of the year. She's still got it..Stephanie's secret Santadidn't want her recoveryfrom thyroid surgery to holdher back...mega phone it is!

LIVES IMPACTED FROMOUR SERVICE PROJECTSF U L L E R T O N G I V E S B A C K2022 LOO K BACK145 FFP Participants215 Total Participants100 beds builtProvided shoes, 7 pairs of socks, 7 pairs of underwear,and 3 pairs of bras (for applicable girls) for kids withinfoster care group homes and Pure Heart families. Collected a total of 175 pairs of shoes, 1,000 pairs ofunderwear, 1,000 pairs of socks, and over 250 pairs ofbras. Also collected schools supplies for all 150 children aswell. Hosted a Back-to-School event at The Main Event forover 150 children and their families. Played laser tag,arcade games, bowling, and a ropes course.# of kids impacted – 150 in addition to the 20 casemanagers and kinship guardians that received giftcards from Fullerton.APRILAUGUSTAPRILBED BUILD EVENT WITH SLEEP INHEAVENLY PEACEFOSTER CARE BACK TO SCHOOLDRIVE5 Teams attended – Fullerton Financial, Pure Heart members, Salad and Go, & Sleep in Heavenly Peace, GCU students. 80 volunteer’s total.100 bed frames, pillows, sheets, blankets, and mattresses delivered to members of the Navajo Nation (Greasewood Springs Chapter House).3 – 26 ft trucks loaded with food, water, and household supplies (3-5 days supply). Able to serve 400 households which breaks down to about 2,400 individuals impacted.100 kids impacted with 70 beds delivered and assembled to kids who were sleeping on the floor.135 children received brand new shoes, 7 pairs of socks, and 7 pairs of underwear.80 adults received brand new shoes.Over 1,500 individuals received freshly made salads from Salad and Go.NAVAJO NATION TRIP

C U L T U R E D A Y S A T F U L L E R T O NWE AREHIRING!Do you know someone who would be agreat fit for our team?Send them to: fullertonfp.com/careers2022 LOO K BACKFullerton Financial Planning serves & empowers our community through financial stewardship so that together, we can impact all generations.Served lunch to over 300 case managers and caseaides in appreciation for all the work they do. Over the last year, the North West Maricopa divisionof DCS has increased the percentage of monthlyplacements of foster children by 10%, this is a hugewin and took some hard work! Thank you for helpingus thank a group of people who do not hear thewords, thank you, very often! We recently held our annual Harvest of Thanks Toy andBike Drive and it was a huge success! With donations ofnew toys, bikes, and money, from generous donors likeyou, we exceeded our goal of 100 bikes & 1,000 toys!Thank YOU! We started donating toys and bikes to local schools thatused them to incentivize underserved children andwitnessed huge success. We are now working on a parentprogram. We desire to see the family unit strengthenedand we know that with compassion, it can be. As of today, these donations impact 70 individual kids amonth. With the implementation of the parent incentiveprogram, we anticipate this number to surge to over 100and hopefully grow each year. OCTOBER DECEMBERDCS CASE MANAGER APPRECIATION BBQBIKE AND TOY DRIVE

Are you an adult with a checking account? Congratulations, you have an “estate.” One of the most common misconceptions about estate planning pertains to who needs one.There’s no monetary threshold in the definition of an estate. If you have assets and you’re an adult, you have an estate that will need to be handled at the time of your passing. If you have no estate plan in place, your assets will be distributed via probate to the appropriate government entities and family members.Things get more complicated if the person who died haschildren from a previous marriage or relationship. In that scenario, it may be the children, not the surviving spouse, who inherits your one-half of the estate if you don’t have a will or estate plan in place.If you’re a parent or a grandparent, it’s likely safe to assume that your passing is going to be hard on your immediate and extended family. Two specific end-of-life responsibilities makes the loss of a loved one far more difficult for some families: funeral planning and probate.Unfortunately, the probate process and disputes regarding the dissolution of estates can become extremely contentious. This is especially true when there are heated disputes between children, ex-spouses or grandchildren regarding who is entitled to specific assets or properties. Those types of disputes can potentially tear a family apart.Most people don’t want their familial legacy to be acrimonious, which is why it’s generally best to prevent that process from ever occurring via an air-tight estate plan.w w w . f u l l e r t o n f p . c o mF u l l e r t o n F i n a n c i a l P l a n n i n gESTABLISHING AN ESTATE PLANTHE GIFT OF AN UNCONTENTIOUS GRIEVING PERIOD"Are you an adult with a checking account?Congratulations, you have an “Estate.”

YOU CAN HELP YOUR FAMILY GRIEVE IN PEACE WITH AN ESTATE PLANOUR RETIREMENT PLANNING TEAM IS HERE TO HELPSome of those tasks include:Planning a funeral serviceScheduling and paying for embalming or cremationDeciding where a loved one should be buried, or where ashes should be scatteredPurchasing a casket, urn or burial containerObtaining necessary permits and burial plot (if applicable)Working with appropriate vendors and service providers (florists, printers for prayer cards, clergy, etc.)At Fullerton Financial Planning, most of our efforts are dedicated to a happier topic – ensuring that you have the assets to maintain your desired quality of life during a long, relaxing and productive retirement.Although it’s not a fun topic to discuss, end-of-life planning is an unavoidable aspect of aging. We’re happy to provide additional tax planning and estate planning services to ensure we can provide a one-stop solution for our clients in Phoenix.Speak with one of our planners today by calling (623) 974-0300.Community property laws are usually discussed in the context of divorce. Any assets acquired via work or purchased during a marriage are considered community property. Those assets must be split evenly during divorce proceedings.The other event that triggers community property laws is death. In Arizona, your surviving spouse usually inherits your half of the community property as well as any separate property that wasn’t covered by community property laws (such as gifts, inheritance or assets and property acquired prior to the marriage).Things get more complicated if the person who died has children from a previous marriage or relationship. In that scenario, it may be the children, not the surviving spouse, who inherits your one-half of the estate if you don’t have a will or estate plan in place.The process is arduous, complex and expensive. All these responsibilities can arrive entirely unexpectedly in some circumstances.You can give your loved ones the gift of handling these tasks yourself via a thorough estate plan that clearly dictates your wishes and the vendors to use. Bills can also be dealt with in advance, such as pre purchase funeral services, burial plots, urns or caskets and other necessary services. You can even assign part of a life insurance policy to a funeral home to pay for expenses.Doing so allows your family to grieve in peace instead of forcing them to stress about logistics and payment during a difficult time.WHAT DO COMMUNITY PROPERTY LAWS IN ARIZONA HAVE TO DO WITH DEATH?Any person who has dealt with the death of a spouse or close loved one is likely familiar with the exceedingly long list of responsibilities that accompany this personal tragedy.

FROM THE DESK OF BEEZERR E S O U R C E S + I M P O R T A N T I N F OIT'S A DOG-EAT-DOG WORLD Greetings,My name is Beezer, a miniature Goldendoodle and one of Fullerton Financial Planning'snewest employees, the official dog greeter. I am hoping that if I prove myself, someday I canadvance in the company. You know what they say, “it’s a dog-eat-dog world” but I certainlyhaven’t seen this at FFP. Maybe at your next visit to our office, I will get to meet and greetyou, maybe even sit or lay in your meeting. Recently, I had the pleasure of sitting in a meeting with Steve and one of our clients. I mustnot have eaten my kibble or gotten to drink that coffee drink my human coworkers raveabout. I found myself un-tieing the client's shoes!! Not just one time, but THREE times!! Oppswhat can I say!! Soon after that, someone bought me the hat, put it on me, and snapped thispicture of me……oh boy. My sister Pip looks like a troublemaker if you ask me! In the future, watch for information from my point of view, From Beezer's In-Box.

WHO WE AREO U R M I S S I O N S T A T E M E N T + C O R E V A L U E SMISSION STATEMENTFullerton Financial Planning serves andempowers our community throughfinancial stewardship, so that together, wecan impact all generations. CORE VALUES

Contact UsLet's Get Social!Corporate Phone: (623) 974-0300 · Tempe Phone: (480) 912-4500Fax: (623) 974-0330 · Email: Info@fullertonfp.comAs Seen & Heard OnWatch us weekly on Saturdays on 12News at 4:30am, and on Sundays on CBS Channel 5 or KUTP FOX 10 at 09:30am.Listen to us on 92.3 KTAR FM on Saturdays at 1:00pm or Sundays at 6:00pm.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, “What to Look for in an Advisor”, available in our office or online at Amazon.comFullerton 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. Bycontacting 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 insurancecompany. Investment advisory services are offered through Kingdom Financial Group, LLC (KFG), an SEC Registered Investment Advisor. KFG maintains a co-advisory relationship with AE WealthManagement.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 ofthe information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.14155 N. 83rd Ave.Suite 144Peoria, AZ 85381Corporate Office:Tempe Office:600 E. Rio Salado Pkwy.Suite 102Tempe, AZ 85281F A C E B O O Kfacebook.com/fullertonfinancialplanningT W I T T E Rtwitter.com/fullertonfpI N S T A G R A Minstagram.com/fullertonfinancialplanningY O U T U B Eyoutube.comSearch: Fullerton FinancialPlanningL I N K E D I Nlinkedin.com/company/fullerton-financial-planning