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Message NEWSLETTERTHE OFFICIALMAY + JUNE 2025TWENTY Years ofExcellence: Wewant to hear YOUR story!FEATURING

TABLE OF CONTENTSContact Us0403Tune in to our live webinars covering retirement, taxes, and more—all from the comfort ofhome.From the Desk of BeezerHelpful ResourcesBlog: Developing a Strategy for Long-Term Retirement Income05Beezer’s back with some paws-itively adorable updates, event highlights, and what’s ahead thissummer!Find a list of all the FFP resources in one place! Retirement planning isn’t just about saving—it’s about ensuring those savings last. Read ourlatest blog about developing a strategy for long-term retirement income.060708FFP Live: Summer Webinar Series20 Years of Excellence / Casting CallUpcoming EventsCelebrate our milestone and share your Fullerton story—your journey could inspire others foryears to come!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.At Fullerton Financial Planning, we believe estate planning is more than just writing a will—it’sabout creating a legacy, protecting your family, and ensuring peace of mind for the future.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 HappeningEstate Planning With Fullerton Financial

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:clientevents@fullertonfp.comOr call our office and ask to speak with Maggie Cady. All event dates are subject to change. MAY 6th – Mix & Mingle: Welcome to the Family!JUNE 11 – Coffee Talk: Travel Big in RetirementTBD – FFP Live: Summer Webinar SeriesTBD – Educational WebinarAre 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.If you’re dreaming of breathtaking destinations and bucket list adventures, you won’t want to miss thisCoffee Talk! We’re bringing in a travel expert to share insider tips, smart travel strategies, and ideas formaking your retirement travels both exciting and financially savvy.Join us each month for Coffee Talk—where meaningful conversations meet practical planning, one sip ata time. For more information reach out to melanies@fullertonfp.comComing soon—our FFP Live summer webinar series! These engaging, live sessions are designed toanswer your most pressing financial questions and walk you through key strategies in retirementplanning, tax optimization, and more. Don’t let those important financial decisions slip while your away.Get your questions answered while your away! Dates and topics to be announced—stay tuned and get ready to tune inWe’re preparing another powerful educational webinar packed with insights and real-life guidance tohelp you navigate your financial future with confidence. Whether it’s healthcare in retirement, estateplanning, or market updates, our webinars are always designed with your needs in mind.Final date and topic coming soon—make sure you’re on our email list so you don’t miss it!

As we celebrate 20 years of Fullerton FinancialPlanning, we’ve been reflecting on the moments,memories, and meaningful connections that broughtus here. Whether you’ve been with us from thebeginning or recently joined the Fullerton family, yourstory is part of ours—and we’d love to hear it.Over the past two decades, we've built something special—relationships rooted in trust,transparency, and a shared commitment to your financial future. Maybe we helped bringclarity to your retirement plan, gave you peace of mind about your future, or simply stoodbeside you as your financial partner and friend. Whatever your story looks like, it matters tous—and it could inspire someone else.Spots are limited, so be sure to reserve yourtime today! Click below to sign up or emailalexj@fullertonfp.com to claim your spot.Can’t make it in person?We’d still love to hear from you! If FullertonFinancial Planning has made an impact inyour life, please don’t hesitate to reach outand share your story with Alex atalexj@fullertonfp.com.On May 3rd, we’re inviting clients like you to visit ourPeoria office for a special opportunity:A 20-minute one-on-one session where you can share your personaljourney with Fullerton Financial Planning.LET’S CELEBRATE THIS JOURNEY—TOGETHERDate: May 3rdLocation: Fullerton FinancialPlanning – Peoria OfficeTime: 20-minute reserved slotWE WANT TO HEAR YOUR STORY!20 Y E ARS O F E X C ELL E N CEThis isn’t just a storytelling session—it’s a part of something bigger. Your experience may befeatured in a special project that celebrates the voices and victories of our clients, markingthis incredible milestone in a meaningful way.

This summer, we’re bringing the conversation to you. Whether you’re sipping coffeeon your patio or checking in from your favorite vacation spot, you can now join usfrom anywhere for live, engaging, and informative webinars.We’ll cover timely topics to help you:Stay on track with your retirement goalsNavigate market changes and updatesPlan for healthcare, taxes, and legacyAnd get answers to your most important financial questionsTHE SUMMER WEBINAR SERIESFFP LIVE PRESENTSYOUR RETIREMENTGOALS SHOULDTRAVEL WITH YOU—AND NOW THEY CAN.FFP LIVE: YOUR SUMMER WEBINAR SERIESVIRTUAL APPOINTMENTS—WHEREVER YOU AREDON’T MISS A DAY WHEN IT COMES TO YOUR DREAMSYOUR GOALS. YOUR PLAN. YOUR LIFE—ON YOUR TERMS.At Fullerton Financial Planning, we know how much our clients love totravel—your photos from the beach, the mountains, and everywherein between are proof! (Yes, we’re looking at you, cruisers and worldexplorers!)But we also understand that life happens. Plans change.Circumstances shift—sometimes for the better, sometimesunexpectedly. That’s why we’ve made it easier than ever to stayconnected with your advisor and your financial goals, no matterwhere the road (or plane) takes you.Your advisor is just a click away. Traveling? Home for the summer? We’re available for virtualappointments so your financial plan keeps moving forward with you—without skipping a beat.FFP Live is here to help you stay informed, inspired, and in control—no matter where you are.Because your retirement should be just as flexible and adventurous as you are.Need to book a check-in? Reach out to schedule a virtual appointment today!Watch your inbox for webinar invites, dates, and registration links—or call us to reserve your spotearly. We’re always here for you.NO COMMUTE.NO SUITS.NO MISSING OUT.

FROM THE DESK OF BEEZERRES O U RCE S + I M P ORT A N T I N F OWhether we’ve walked with you through a big financial milestone or simply been a trusted voice along the way,we’d love to hear how Fullerton has made a difference in your life. Reach out to alexj@fullertonfp.com for more information!Now let’s talk Ladies Night—what a night! We had 58 wonderful women in attendance, including clients andtheir friends. There was delicious food, a fun fashion show, and everyone left with a custom-embroideredhoodie. I personally loved the energy (and all the extra attention—what can I say, I enjoy being the gentlemanof the house). Make sure you’re on our invite list and following us on social media so you don’t miss the nextevent!And while we know many of you love to travel, we also know plenty of you are staying local this summer. That’swhy we’re planning some fun, cool (yes, temperature-wise!) events here at the office. Bring a friend, meet newpeople, and enjoy some summer fun without the heat. Let us know if you’ll be around—emailinfo@fullertonfp.com and we’ll make sure you’re the first to hear about our upcoming events!Until next time—stay cool, stay connected, and don’t forget to stop by for a treat (I’m always up for one too!).Warm wags,BeezerChief Morale OfficerFullerton Financial PlanningHello again, Fullerton Family!I’m bringing you this month’s updates straight from my favoritesunny spot by the front window. There’s a lot to wag about, solet’s dig in!First up: our very first tax season with Fullerton Tax Services isofficially in the books—and it was a huge success! Our teamworked hard to deliver a seamless, stress-free experience,and we loved seeing so many of you take advantage of thenew service. If you didn’t get a chance to work with us thisseason, no worries—we’re here year-round for your tax needs!We’re also in full celebration mode this year as we mark 20years of excellence at Fullerton Financial Planning! That’s twowhole decades of helping clients like you feel confident aboutthe future—and for me, that’s 140 dog years of belly rubs, tailwags, and loyalty.BEEZER HERE, YOUR LOCAL OFFICE PUP!

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.

Retirement planning isn’t just about saving—it’s about ensuring those savings last. A sustainable retirement income plan helpsensure financial security by balancing predictable income sources, strategic withdrawals, and long-term risk management. Without a strategy that balances reliable income and liquid assets, retirees risk outliving their savings or facing financial strain.One of the biggest challenges in retirement planning is determining how much income you’ll need. A common rule of thumb isto aim for 70 to 80% of pre-retirement income, but there’s no one-size-fits-all formula. What’s right for you depends on theretirement you’re envisioning. Essential expenses like housing, healthcare, and insurance must be accounted for, but it’s also important to plan for inflationand emergencies. Medical expenses, in particular, tend to rise later in life. Even with Medicare, retirees may face out-of-pocketcosts for prescriptions, long-term care, or specialized treatments. Inflation is another factor that can erode purchasing power during retirement. Entering retirement with assets and income thatgrow alongside expenses can help preserve living standards. Failing to reassess your budget regularly can lead to larger-than-expected withdrawals, putting savings at risk.A well-structured retirement income plan blends guaranteed and investment-based income.Guaranteed income sources provide stability and predictable cash flow. Social Security is a major pillar of most retirementplans, but it’s rarely enough to cover all expenses. Some retirees receive pension income, though traditional pensions areincreasingly rare for current workers.A common rule of thumb is to aim for 70 to 80% of pre-retirementincome, but there’s no one-size-fits-all formula. What’s right foryou depends on the retirement you’re envisioning.“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 gDEVELOPING A STRATEGY FOR LONG-TERM RETIREMENT INCOMENEW BLOGESTIMATING YOUR RETIREMENT INCOME NEEDSBUILDING A STRONG FOUNDATION WITH RELIABLE INCOME SOURCES

Fullerton Financial Planning helps retirement planners and retirees in Peoria, Phoenix, Scottsdale, andTempe develop and implement retirement income plans designed with sustainability in mind.Call us at (623) 974-0300 to schedule a meeting with one of our financial advisors, watch ourwebinars, or attend an upcoming seminar or event to learn more. How and when you withdraw from retirement accounts impacts how long savings will last. Several strategies help retirees manage withdrawals effectively:The 4% rule – One popular strategy is withdrawing 4% of savings annually, adjusting for inflation. This method worksbest for retirees with diversified income sources.Dynamic withdrawals – Adjusting withdrawals based on market performance and RMD requirements can help preserveassets during downturns.Tax-efficient withdrawals – Withdrawing from taxable accounts first, followed by tax-deferred and tax-free accounts,can minimize tax burdens.Avoiding sequence of returns risk – Withdrawing funds during a market downturn can accelerate savings depletion.Relying more on cash reserves or alternative income during market disruptions may help preserve your portfolio.Even the best plans can’t prevent financial surprises. Unexpected healthcare expenses or home repairs can throw off aretirement budget. Having a financial buffer in the form of more liquid savings that are separate from your long-terminvestment portfolio can be beneficial. Long-term care is one of the more common unexpected financial hurdles individuals and couples face in retirement. Theneed can arise suddenly, and sometimes sooner than you expect. While some retirees assume Medicare will cover theseexpenses, most long-term care services—like assisted living or home healthcare—are not included. Planning for these costs early, whether through savings, long-term care insurance, or hybrid life insurance policies, canhelp retirees avoid financial strain later in retirement.A sustainable retirement income plan balances guaranteed income, investment-based returns, and strategic withdrawals toenhance financial security. Estimating expenses, diversifying income sources, and preparing for the unexpected beforeretirement can help reduce the risk of outliving your savings or needing to downgrade your lifestyle.WITHDRAWAL STRATEGIES TO PRESERVE WEALTHPREPARING FOR THE UNEXPECTEDDEVELOP A PLAN THAT’S TAILORED TO YOUR NEEDS AND THE RETIREMENTYOU WANT Annuities can help fill this gap by providing a steady, guaranteed income stream in exchange for an upfront investment.Investment-based income allows for growth and flexibility. Dividend-paying stocks, bond interest, rental properties, andalternative investments can all serve as additional income sources in retirement. Retirement accounts like 401(k)s and IRAs areessential tools, but withdrawals should be carefully planned to avoid unnecessary taxes and penalties.

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ESTATE PLANNING WITH FFPPRO T E CT W H AT M A TTE R S MO S TAt Fullerton Financial Planning, we believe estateplanning is more than just writing a will—it’s aboutcreating a legacy, protecting your family, andensuring peace of mind for the future. That’s why ourestate planning services go beyond the basics,combining decades of experience with a deepunderstanding of retirement, taxes, and wealthtransfer.Our goal? To help you take control of your future witha plan that reflects your values and safeguards yourfinancial well-being.When you work with us, you get a team of professionals who partner with you to:Estate planning and retirement planning go hand-in-hand. As you approach or enjoy retirement, it’s important to budget notjust for today—but also for the legacy you wish to leave behind. We help you coordinate both so you can enjoy the life you’vebuilt and feel confident your heirs will be provided for, too.Planning for life’s uncertainties can be overwhelming—but you don’t have to do it alone. With Fullerton Financial, you have atrusted partner by your side. Our clients throughout the Phoenix area turn to us for personalized estate strategies that offerclarity, confidence, and care.Let us help you take the next step in protecting your family, your future, and your legacy.Protect Your Family’s Future: A thoughtful estate plan minimizes legal complications and ensures your loved ones are well cared for.Minimize Taxes:We use smart, tax-efficient strategies to help preserve your estate and reduce the burden on your beneficiaries.Preserve Your Wealth:From asset protection to legacy planning, we’re here to help you build and maintain financial strength forgenerations to come.Stay in Control:Your wishes, your plan. We work closely with you to create a detailed and comprehensive estate strategy.Keep Things Current:Life changes—and your plan should too. We regularly review and update your estate documents to reflect newgoals, laws, or family dynamics.WHAT WE DOESTATE PLANNING WITH RETIREMENT IN MINDWant to learn more or update your current plan? Reach out to our team today to schedule a consultation and start planning with peace of mind.

Financial Literacyin RetirementGET YOUR COPY TODAY!Let's Get Social!F A C EB OO Kfacebook.com/fullertonfinancialplanningI 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: