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M A Y / J U N E 2 0 2 2 M A Y / J U N E 2 0 2 2 T H E O F F I C I A L N E W S L E T T E R O F FULLERTON FINANCIALPLANNING

03 040608Meet the TeamBlog PostBunk Bed Success!Refer a FriendTAKE A LOOKINSIDE

Employee of the MonthMeet The Team!Meet The Team!Blane CurryPlease help us welcome Blane! She comes to us with a wealthof knowledge in project management and is a huge asset toour marketing team. You can catch Blane, and her two boys,numerous nights out on the football field! Go, Titans! Stephanie GuillenThat's right, we welcomed another Stephanie to our team!Stephanie has joined our First Impressions Team in Tempe.She love's building relationships and really enjoys watchingthe moon at night! Brianne Van SandeBrianne joyfully joined our team this month. Herbubbly and joyful personality is irresistible. Make sureto say hello when you see her and ask about heradorable dogs, Sugar and Honey! Do you know someone who would be a great fit for our team? Send them to fullertonfp.com/careers! Kristin OrnoskiCongratulations, KO!!! You work so hard and it does not gounnoticed!!! Your heart to serve your community isunbelievable. We are so grateful to have you on our team!

It depends on the context, your existingcredit history and what rates competinglenders are willing to offer you based onyour perceived credit risk.For example, there are multiple points atwhich you can potentially negotiate a lowerinterest rate on a mortgage. When you’reshopping around for mortgages, you canapproach lenders with rates you’ve qualifiedfor from other loan originators.You might do this if you’d prefer to keepyour mortgage with your existing bank orcredit union even though the initial interestrate, they offered you wasn’t verycompetitive. Reach out to them withevidence that another lender is beating theirrate and they may adjust what they’reoffering to keep you as a loyal customer.You can also try to negotiate a lower rate oncredit cards but doing so successfully isn’talways easy. There are certain historicalfactors that will likely influence the creditcard company’s receptiveness. Customerswho have been around for a long time orwho have relatively solid records ofregularly making payments are more likelyto achieve favorable results.Credit card companies make money offpeople who carry a balance on their cards,but they can potentially lose money if younever pay them back. If you temporarilygetting a lower rate increases the likelihoodof them getting paid back, they might beamenable to negotiations.Some mortgage lenders might offer“discount points.” These let you put moremoney down to get a slightly lowerinterest rate for the life of the loan. Theequation is usually one percent extradown for 0.25 percent off your interestrate. Even relatively small decreases ininterest at the start of your loan can saveyou tens of thousands of dollars duringthe 30-year life of a loan.There’s generally a parallel betweenwhat you’re willing to put down and therates for which you’ll qualify. If you canafford it, increasing your down paymentcan have long-term benefits for yourinterest rate.Is There a Way to Negotiate LowerInterest Rates With Creditors?Mortgage Discount PointsNegotiating With Credit Card CompaniesSome of the tactics that work in mortgageinterest rate negotiations can also beeffective when dealing with credit cardcompanies. Going into negotiations withproof that you qualify for lower rateselsewhere can give you a lot of leverageduring negotiations.You shouldn’t try to mislead credit cardrepresentatives during negotiations. Theycan easily pull your credit history orinvestigate the rates you claim you couldget elsewhere. Dishonesty may damageyour reputation with the credit cardcompany.

There’s also a right and a wrong way toconduct negotiations in thesecircumstances. The frontline customerservice reps you speak with likely don’thave the authority to unilaterally grant youa lower interest rate on your credit carddebt. Ask for a supervisor or try to identifysomeone with the authority to authorizethose types of changes.Also avoid being rude to the customerservice representatives. These can bestressful issues, but the person on theother end of the line isn’t the cause of yourinterest rate. Being impatient andcombative can stall your negotiations.If you have multiple cards, start yournegotiations with the companies you’veused longest. The trust you’ve built overthe years, if you’ve historically been goodat paying at least the minimum eachmonth, may help in your negotiations.Some credit card companies are amenableto offering temporary breaks on credit cardrates if you can make the case that thelower rate will help you get back on track.Get Help With Your Retirement Savings andLong-Term Investment StrategiesThe team at Fullerton Financial Planning arededicated to helping Phoenix saversprepare for the future. Our fiduciaries excelat developing retirement saving andinvestment plans to help people in all typesof situations.Get clear answers to your investmentquestions by calling us at (623) 974-0300. Read more at Fullertonfp.com/blogIs There a Way to Negotiate LowerInterest Rates With Creditors?Can You Negotiate a BetterRate on Savings Accounts?Continued on our blog....

Bunk Bed BuildAnd Delivery!!Have you ever experienced a moment in your life where you gave something of yourself and felt as though you had been thereceiver instead of the giver? This was our experience when Fullerton Financials’ group of volunteers went to the Navajo Nation,Arizona to put their hands on the plow and deliver bunk beds, food, water, clothes, and shoes to the native Navajo tribe and theirchildren. Working alongside an incredible group of volunteers from Sleep in Heavenly Peace, Pure Heart Church, and Salad andGo, FFP was able to participate in a loving act of compassion and humble servitude. Our volunteers returned home with fullhearts and eager minds to share their stories with co-workers, friends, family, and church families. Matthew 5:16 reads “ In thesame way, let your light shine before others, that they may see your good deeds and glorify your Father in heaven.” We hopethe light of God shone brightly through the love of people and we look forward to participating in another outreach soon!

We serving our communitywith YOU!For information on our upcoming volunteer opportunities and for more picturesfrom our volunteer events visit spring visit https://www.fullertonfp.com/volunteerlove

We've found it so rewarding to help people likeyou pursue financial freedom. Thank you forchoosing us - and for trusting us with your hard-earned assets.REFERRALProgramFor Every Referral WhoBooks An Appointment We want to say thank you everytime youshare us with your family and friends. Eachquarter all clients who have reffered afriend that quarter will be entered into aprize drawing. But Wait, There's MoreEvery client who sends us a friend orfamily member will ALSO be invitied to an exclusive refferal event at the end of the year. We Want to Say THANK YOU Furthermore, with every referral you sendus, who becomes a client, you can expect toreceive a small token of our appreciationfollowing their appointment. To learn more about our exciting referralprogram please visit, FullertonFP.com/Referor call our office today and ask for Kristin. SHARING IS CARINGMany of our clients want to share their positive financialexperiences with friends and family. But oftentimes theyfind it hard to figure out just the right way to do it. Ourhope is this will help you make a referral to us becausechances are, the people you like would be a good fit for us,too. What Do You Say?We believe the beauty of our referral program is that it's awin-win-win. You get to help someone you care about. Theperson you referred gets help with their retirementstrategy. And we get to help another pre-retiree pursuetheir dreams. Here's how to start the conversation: Tell your friend orfamily member how Fullerton Financial Planning hashelped you with retirement planning. Then, say that you'd like for them to have the opportunityto talk with us. Perhaps you've heard them expressconcerns about:Running out of moneyPaying for long-term careReducing taxes in retirementAnother easy way to break the ice isby inviting them to attend one of ourdinner workshops with you! For moreinformation and a list of ourupcoming investment workshops,scan here. Fullertonfp.com/seminars

Happy Retirement, Drew!Happy Retirement, Drew! We are joyed to honor the Retirement of one of our Investment Advisors, Drew McKaig. He served our clients with excellence for many years and will be greatlymissed. We wish him and his wife much happiness on their next adventure in retirement!

Contact UsLet's Get Social!Corporate Phone: (623) 974-0300 Tempe Phone: (480) 912-4500Fax: (623) 974-0330Email: 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