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Message NEWSLETTERTHE OFFICIALJULY + AUGUST 2025

TABLE OF CONTENTSContact Us0403For over 20 years, Fullerton Financial Planning has helped individuals and families pursue financialconfidence through education, personalized strategies, and a deep commitment to lifelongpartnership.From the Desk of BeezerHelpful ResourcesSmart Travel, Bigger Adventures: How Retirees Can Save on Every Trip05Our favorite four-legged team member is back with the latest Fullerton family news—frombaby announcements to office happenings, Beezer’s got the inside scoop (and maybe a fewcrumbs from the lunchroom).Find a list of all the FFP resources in one place! From hidden senior discounts to strategic use of travel rewards, retirees have more powerthan ever to explore the world without overspending—if they know where to look.060708Why Fullerton? Here’s What Sets Us ApartClient Voices, 20 Years in the MakingUpcoming EventsIn celebration of Fullerton Financial Planning’s 20th anniversary, we invited clients to share howtheir journey with us has made a difference—and their stories say it best.Mark your calendar! Join us for exciting summer events designed to keep you cool andconnected.101112A fun photo recap of recent events, laughs, and special moments shared with our Fullertonfamily.We’re planning the rest of our 2025 events—and your ideas, feedback, and creativity will helpus make them more meaningful, more fun, and more tailored to you.We'd love to hear from you! Learn how to contact Fullerton Financial and stay in touch.SE E WHAT ' S IN S IDECome Check Out What’s Been HappeningYour Voice, Your Events: Help Us Shape What’s Next

UPCOMING EVENTSFIN D OUT W HAT ' S GO I N G O N AT F U LLE R T ONFor Questions or to Register email:melanies@fullertonfp.comSome events may be invitation-only to provide a more intimate and personalized experience, thoughtfully curated for selectgroups within our client community. For more information, contact melanies@fullertonfp.com.SEPTEMBER 17 – Mix & Mingle: Welcome to the FamilythOCTOBER – Grandparent’s Movie (Date TBD)NOVEMBER 11 - Veteran’s Day PicnicthHarvest of Thanks – Toy and Bike Drive Are you new to the Fullerton Family? We’d love to personally welcome you! Join us for a relaxed andfriendly Mix & Mingle event where you can connect with our team and other clients who are also new toFullerton. It’s a great chance to meet like-minded individuals, ask questions, and feel right at home. It’salso a great way to lightly introduce your friends who are curious about us too! Keep an eye on yourinbox—your invitation will be arriving soon! Or reach out to melanies@fullertonfp.com for moreinformation.Don't miss this unique opportunity to create cherished memories with your loved ones and connect withother families in the community. Keep an eye out for the movie title announcement and more details asthe date approaches. We look forward to seeing you and your family there for an unforgettable night!For more information, reach out to melanies@fullertonfp.com.This cherished event takes place each year at Rio Vista Park, celebrating our Fullerton clients, family, andfriends, who have dedicated their service to the armed forces. The occasion features a luncheon and aformal ceremony, complete with a color guard, to honor their service and sacrifice. For moreinformation, reach out to melanies@fullertonfp.com.10th Annual Harvest of Thanksgiving Event – A cherished tradition at Fullerton Financial, now in its 20thyear, dedicated to showing heartfelt appreciation to our clients while giving back to the community. Thismeaningful event combines celebration and generosity, gathering donations of toys, bikes, andmonetary contributions to support local charities.

This year marks a milestone—20 years of FullertonFinancial Planning. Two decades of walking alongsidefamilies, helping them navigate change, makemeaningful financial decisions, and live with greaterpeace of mind.To celebrate, we invited our clients to share howFullerton has impacted their lives. The result? Apowerful video filled with real voices and heartfeltmoments that highlight what it means to be seen,heard, and supported.Whether we’ve helped clarify your retirement plan, eased anxiety about the future,or simply stood by your side as a financial guide and, more importantly, friend,your stories are the heart of our story. This video captures the connection and carethat’s fueled 20 years of meaningful relationships and life-changing planning.Watch the video Now!! www.fullertonfp.com/about/20-years-of-excellence20 YEARS OF FULLERTON: REALSTORIES, REAL IMPACT20 Y E ARS O F E X C ELL E N CE New to Fullerton? Start your journey—book your complimentary consultationtoday. Already part of the family? Know someonewho could benefit from the same care andclarity? Send us a referral. https://www.fullertonfp.com/refer

FROM THE DESK OF BEEZERRES O U RCE S + I M P ORT A N T I N F OWith tail wags and happy paws,BeezerChief Treat Officer | Fullerton Mascot | Family Favorite Since Day OneHey there, friends!It’s Beezer reporting for duty with all the office updates youdidn’t know you needed (and a few you definitely did). I’m stillholding my spot as everyone’s favorite coworker—but there’s anew little human giving me a run for my money!FFP’S OFFICIAL OFFICE PUP + FAVORITE CO-WORKERBig Baby News!We welcomed a brand-new member to the Fullerton family:Stevie June, born June 7th to Steve Jr. and his wife—their firstchild! She’s healthy, beautiful, and already adored by everyone(especially her proud grandparents, Steve and Stephanie). Ifyou see Steve Jr. in the office, be sure to offer him a bigcongratulations—and maybe a nap. I hear newborns don’tbelieve in sleep.New Faces, Same Big EnergyIf you’ve been in the office lately, you may have noticed someawesome new team members settling in. Please stop by,introduce yourself, and help make them feel part of theFullerton family. We’re growing—in more ways than one—andwe couldn’t be more excited.Summer Webinar Series is ON. Just because it’s hot out doesn’t mean your financial goals take a vacation.Catch our upcoming FFP Live webinars to learn about taxes, retirement planning, market changes, andmore—from anywhere. No suits, no commute, no excuses.Estate Planning & Tax Services: Yes, we do that. And yes, you should absolutely be taking advantage ofthese services. Whether you need a fresh plan or an update, we’ll help you keep everything aligned withyour goals and values.A Few Things to Sniff Out This Month…Beezer’s Pro Tip:If it’s been more than a year since your last estate review or tax strategy session, now’s the time. Just like Ikeep an eye on the lunchroom (you’re welcome), our advisors help keep your plan on track. Book anappointment before the fall rush!Alright, time for my midday nap and a few victory laps around the office. Thanks for being part of this journey—we’re celebrating 20 amazing years because of YOU.

Scan the QRCode to godirectly to theresource libraryon our site.Join us as we delve into the world offinance, tackling a wide array of topicsand addressing your burning questions.Join us for one of our upcoming eventsand get involved by meeting others andgiving back to the community.White papers find helpful investment,retirement, and financial planningdocuments made to help you succeed.Read the latest financial news andupdates from the Fullerton Financialteam. Blogs are updated on a biweeklybasis.RESOURCESBLOGSFFP LIVEEVENTSLOOK AT OUR FREE RISK ANALYSIS TOOLDoes your portfolio have too much risk? Or not enough?Knowing your risk score can help you make appropriate investment choices. Find out your risk score with our Riskalyze tool!FIND YOUR RISK SCORE WITH OUR PORTFOLIO RISK ANAYLSISHELPFUL RESOURCESHER E TO H E LP Y O UWe believe that one of the most valuable things in the world is our ability to grow and learn.Knowledge is one thing that no one can take away from you, so as you continue to navigate theunknowns of retirement, spend some time educating yourself on topics that can provide you clarity.

Travel doesn’t have to come with a premium price tag, especially if you know where to look forsavings and how to take advantage of rewards. Many retirees are in a great position to travel moreaffordably thanks to flexible schedules, potential access to senior discounts, and the ability to planahead. TRAVEL DISCOUNTS ANDREWARD STRATEGIES EVERYRETIREE SHOULD KNOWNEW BLOGSENIOR DISCOUNTS YOU MAY BE MISSINGNot every company advertises its senior discounts prominently, but that doesn’t mean they aren’tavailable. If you’re 60 or older, it’s worth asking about potential savings when booking with: Major hotel chains like Marriott, Hilton, and Best Western Rental car companies, including Hertz and BudgetAirlines like United and DeltaAmtrak and some public transit systemsCruise lines and group tour companiesNational parks (a one-time fee for a lifetime senior pass)Some of these discounts are only offered to AARP members or require you to book through specialchannels. Others may limit what dates or ticket classes qualify. Even with the limitations, they’re stillworth checking before you start booking. Modest savings on multiple legs of a trip can add up fast.Not having the obligations of childcare or work gives retirees some unique savings opportunities thatweren’t available during their working years. HOW TO MAKE THE MOST OF CREDIT CARD POINTS AND TRAVEL REWARDS

A LITTLE PLANNING GOES A LONG WAY Saving on travel in retirement is less complicated and time-consuming if you know what’s available and have theflexibility to act on it. Take advantage of discounts that come with your age, use the rewards programs you’ve alreadyearned, and time your trips around off-peak pricing. With the right tools and a little forethought, you can stretch your travel budget further and keep exploring comfortablyfor years to come.Get help developing a retirement plan that accommodates travel by scheduling a meeting with the team at FullertonFinancial Planning. Call us at (623) 974-0300, register for an upcoming seminar in the Valley, or watch our webinarsfor more information.If you’re using a travel rewards credit card, learning how to redeem points wisely can save youhundreds, if not thousands, on flights and hotels. Look for cards that offer:Retirees don’t have to schedule around school calendars or work obligations. That flexibility isone of your biggest assets. Traveling midweek, especially on Tuesdays or Wednesdays, canmean lower airfare and better hotel rates. Flights are often less crowded, and accommodationsmay have more availability.Even if you’re not a frequent traveler, small perks can make a big difference. Signing up forloyalty programs (which are free) may earn you:WHY TIMING MATTERS AND HOW RETIREES HAVE AN EDGEPERKS AND UPGRADES THAT ARE EASY TO OVERLOOKStrong signup bonuses with relatively low spending requirementsPoints that transfer to airline and hotel partners rather than locking you into one brandTravel perks like companion fares, free checked bags, or priority boardingBe strategic about how and when you redeem points. Airline redemptions tend to offer bettervalue than using points for cash back or merchandise. Booking early often unlocks lowerredemption tiers. And if you’re flexible with destinations or travel dates, you may find better dealssimply by shifting your plans slightly.Booking 6 to 8 weeks in advance tends to hit the sweet spot for domestic travel. For internationaltrips, aim for 2 to 4 months ahead, especially during peak seasons. Don’t forget to check cancellation or rebooking policies. Some airlines allow you to rebook if thefare drops after you purchase.Late checkout or room upgradesFree Wi-Fi or breakfastBonus points just for booking directlyPremium credit cards often come with built-in travel benefits like:Airport lounge accessAutomatic travel insurance or trip cancellation protectionPriority customer service or concierge supportMany of these perks don’t require elite status. They’re just waiting to be used if you know theyexist.

RECENT EVENTSTAK E A L O O K A T WHA T ’ S B E E N H A P PEN I N G

At Fullerton Financial Planning, events are more than just dates on a calendar—they’reopportunities to learn, connect, and celebrate life together. From educational seminars toappreciation gatherings, each event we host is designed with one thing in mind: you.As we prepare for the remainder of our 2025 calendar, we want to ensure that our events reflect what mattersmost to the people we serve. That’s where you come in.Your input helps us plan events that are engaging, valuable, and truly meaningful—for you and your guests.HELP SHAPE THE REST OFOUR 2025 EVENTS!LOO K I NG A H EAD :Scan the QR code below to submit your input today!Share Your Thoughts:Email: your ideas to melanies@fullertonfp.comWe’re looking for your ideas, your feedback, and your voice to help shape the topics, formats, and fun for therest of the year. Whether you want to dive deeper into retirement strategies, explore estate or tax planning, orsimply enjoy more opportunities to connect with other clients, we’re listening—and planning with purpose.Got an Idea? Let’s Hear It!Is there a financial topic you’ve always wanted us to teach?Do you have a creative idea for a future event or workshop?Know a friend, neighbor, or coworker who would love to join—but needs the right topic to say yes?Fill out our quick and easy Client Interest SurveyAs part of our ongoing commitment to meaningful client relationships, certain events will be invitation-only to ensure an intimate and personalized experience for each guest. These gatherings are thoughtfullycurated with specific audiences in mind—such as new clients, long-time clients, or those who have recently referred friends or family.We deeply value every member of our Fullerton community, and we appreciate your understanding as we create intentional spaces to connect, celebrate, and serve in unique ways. If you're interested in beingconsidered for future invite-only events, please don’t hesitate to reach out—we’d love to hear from you.

F A C EB OO Kfacebook.com/fullertonfinancialplanningFinancial Literacyin RetirementGET YOUR COPY TODAY!Let's Get Social!I N S TA GR AMinstagram.com/fullertonfinancialplanningY O U TU BEyoutube.comSearch: Fullerton FinancialPlanningL I N KE DI Nlinkedin.com/company/fullerton-financial-planningAs Seen & Heard OnWatch us weekly on Saturdays on 12News at4:30am, and on Sundays on CBS Channel 5 orKUTP FOX 10 at 09:30am.Stream the Fullerton Financial Hour podcaston both Apple Podcast and Spotify.Watch us nightly on NBC Channel 12 News.STAY INVOLVED WITH FFPWE W A NT T O CO N N ECT W ITH Y OU Fullerton Financial Planning is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. For moreinformation please visit: https://adviserinfo.sec.gov. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of anyparticular security or strategy. The investment strategy and themes discussed may be suitable for everyone, it depends on each person’s specific investment objectives and financial situation.Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary may reflect subjective judgments of the authorbased on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. Contact UsFax: (623) 974-0330 · Email: Info@fullertonfp.com14155 N. 83rd Ave. Suite 144 | Peoria, AZ 85381(623) 974-0300Corporate Office:600 E. Rio Salado Pkwy. Suite 102 | Tempe, AZ 85281(480) 912-4500Tempe Office:18655 North Claret Drive Suite 105 | Scottsdale, AZ 85255(480) 912-4500Scottsdale Office: