Return to flip book view

We host various monthly events. Be sure to subscribe to our emails to stay updated on upcomingactivities. For a complete calendar, please reach out to maggiec@fullertonfp.com.Join us for a range of exciting monthly events!For a detailed calendar of all our activities, contact maggiec@fullertonfp.com.UPCOMING EVENTSFIND OUT WHAT'S GOING ON AT FULLERTONMarchMarchMayMay6Coffee Talk - Marching Towards TaxesCoffee Talk - Marching Towards TaxesVolunteer With Us!! Bunk Bed BuildVolunteer With Us!! Bunk Bed Build

We are committed to empowering you with the information andassistance needed to explore your tax options effectively. Our goalis to guide you through any inquiries you might have during thiscrucial period for tax planning. Remember to spread the word andbring your friends along for our online session.Join us for the Third Annual Bunk Bed Build, a heartwarming eventdedicated to providing local children with a comfortable place tosleep. Together, we'll construct bunk beds, fostering community spiritand making a tangible difference in the lives of families. Be part ofthis impactful day of giving back.For Questions or to Register email:maggiec@fullertonfp.comOr call our office and ask to speak with Maggie Cady. All event dates are subject to change.AprilApril2311Shred-A-ThonShred-A-ThonJoin us for a Paper Shredding Event on April 23rd, right after TaxDay! It's the perfect opportunity to safely dispose of your sensitivedocuments. This event is not only practical but also a chance tosocialize. Bring a friend and enjoy!Here is How To Stay Up To Date!!MayMay3First Annual Charity PickleballFirst Annual Charity Pickleball

Get ready to showcase your skills and compete in a friendly, dynamicenvironment. This event promises excitement, communityengagement, and the chance to support a great cause. Whetheryou're a seasoned player or new to the game, join us for anunforgettable experience.

NEWSLETTERT H E O F F I C I A LOCTOBER + NOVEMBER 2022

TABLE OF CONTENTSHarvest of Thanks03Our biggest event of the year! Learnabout our annual clientappreciation, toy and bike driveeventMeet Our Team04Get to know the people behind thecompany05Loud T-Shirt DayLearn about our unique culture daysat Fullerton06What Does It Mean to be a Beneficiary?Read our latest blog post, and learn what itmeans to be a beneficiary08Helpful ResourcesWe are here to help you092023 Calendar of EventsFind out what's happening at Fullerton in202311Who We AreLearn about the Mission Statement &Core Values that form our foundation10Signing ExperienceWhat would you write on the board?12Who We AreOur mission statement and core valuesS E E W H A T ' S I N S I D E

11.19.22 To Register and find out more informationabout donating visithttps://www.fullertonfp.com/harvest Client Appreciation, Toy & Bike Drive HARVEST OF THANKS

Penny HermansJeremiah AgrioBlane CurryServicing AssociateWealth AdvisorMarketing AssociateMEET 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 MONTHNEW EMPLOYEEHONORABLE MENTIONS H E ' S R E A L L Y T H A T G R E A TH E L P U S W E L C O M E J E R E M I A H !T H E W O M A N B E H I N D T H E S C E N E SCongratulations to Penny, our November Employee of themonth. Penny does not only diligently and joyfully work inour servicing department but has given of herself everyweekend to make our office beautiful. You are anunbelievable joy to work with!Jeremiah is a former Sun Devil, playing in the pack 12 asan ASU football player. He joins us with years ofexperience in the broker world. Jeremiah recently gotmarried to his wife, Maya. We are excited to welcome himto the Fullerton Family. Make sure that you take time towelcome him next time you are in the office. Our first ever Honorable Mention award goes to Blane!!Blane is the trailblaizer of the Fullerton Family. She worksunbelievably hard and with the utmost excellence, as sheis making our CRM system better, stronger and faster eachand every day! She is a ROCKSTAR!!! **Please note, this award recipient gets a golf ball with Steve Sr.'s face on it!

ASK US ABOUT OURCULTURE DAYSA C U L T U R E D A Y 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/careersAt Fullerton Financial Planning we work to serve and empower our community throughfinancial stewardship. The word community is not only referring to the clients we love butalso to our employees and their families. Several times a month, we have some fun on whatwe call "Culture Days" here in the office. This might be on the hour trivia, a cup of hotyummy coffee, a LOUD t-shirt day or even a conference room designated for some peaceand quite. No matter what the occasion we have fun bonding as a team. Ask us about ourCulture Days next time you are in the office to see what fun we are up to this month! AT FULLERTON, WE LOVE OUR OFFICE CULTURE DAYS.

A beneficiary is the person who is chosen to receive the proceeds of a trust, will or insurance policy. These legal documents or contracts will name one or more beneficiaries who will be awarded the deceased’s assets by a trustee or executor on behalf of the estate or be paid out the appropriate value of an annuity or life insurance policy.The basic idea of a beneficiary is not all that complicated. It’s the person who gets an asset after you pass away. However, nothing is ever that simple when it comes to estate planning or financial bequeathments. There are about a half dozen unique types of beneficiaries, some of which may or may not be relevant to you depending on the types of financial products or assets you own or control.PRIMARY BENEFICIARY: This is the basic beneficiary. It’s a single person you name to receive the asset or benefits in the event of your death.SECONDARY BENEFICIARY:Sometimes referred to as a “contingent” beneficiary, the secondary beneficiary will receive the benefits if the person you listed as the primary beneficiary is also deceased or does not want or cannot accept the asset/s bequeathed to them.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 gWHAT DOES IT MEAN TO BE A BENEFICIARY?Some examples of accounts, contracts or financial products for which you’ll need to name a beneficiary include:TYPES OF BENEFICIARIES401(k)s, IRAs and other retirement savings accountsBrokerage accountsAll types of bank accounts (checking, savings, CDs, etc.) Life insurance policiesAnnuities

ELIGIBLE DESIGNATED BENEFICIARY (EDB) AS DEFINED BY THE 2019 SECURE ACTWHAT RIGHTS DOES A DESIGNATED BENEFICIARY ENJOY?GET ESTATE PLANNING HELP FROM FULLERTON FINANCIAL PLANNINGUnder the 2019 SECURE Act, an “eligible” designated beneficiary for an IRA can be:Your surviving spouseAn individual who is chronically ill or disabledOne of your minor childrenA person who is less than 10 years your juniorA trust, charity or estate (considered a not designated beneficiary (NDB))Not Designed Beneficiaries are non-living entities that are named as the beneficiary of an IRA as defined by the SECURE Act.You may have noticed that some people you may want to leave your retirement savings to, like an adult child, might not fit into any of those categories. The SECURE Act changed the law to prevent non-spousal beneficiaries, like adult children, from enjoying an extended Required Minimum Distribution (RMD) period, or essentially long-term tax-deferred growth, on inherited retirement accounts. The new rules now require non-eligible beneficiaries to empty the retirement account within 10 years of inheriting the asset instead of having the option to stretch the disbursements indefinitely (until their passing).Being named a beneficiary essentially gives you precedence over specific instructions left in a will. For example, if you’re the designated beneficiary on a brokerage account, the institution will transfer the account to you as soon as they’re notified of the owner’s passing, regardless of what’s stipulated in the owner’s will.This can, unsurprisingly, lead to estate and probate conflicts. Scenarios where a former spouse was still left as the beneficiary on accounts at the time of the account holder’s passing can leave the current spouse or children scrambling for legal avenues to reclaim assets. Every person should be cognizant of who they have named as beneficiaries on accounts and update them after important life changes, like divorce or the birth of children. This can be difficult if you have many different bank accounts, financial assets, real properties, retirement savings accounts, brokerage accounts, etc.One of the invaluable services our retirement planning team can offer is assistance with your estate plan, especially in regards tobeneficiaries. We can assist with IRA legacy planning, annuities and life insurance and other asset protection strategies.This is especially important after the passage of the SECURE Act. If you haven’t updated your beneficiaries or estate plan since the newrules regarding EDBs went into effect, it may be time to do so. Plans that were leveraging the RMD stretch may now need to reorient toaccomplish their estate planning goals.Call us at (623) 974-0300 to learn more about beneficiaries and how your choices may affect your retirement planning efforts.

2023 CALENDAR OF 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 MAYMARCHAUGUSTNOVEMBERJANUARYJULYAPRILSEPTEMBERNOVEMBER112429TBD82519152018The Baby Boomer Dilemma Movie DayCoffee Talk – Technology Tips and TricksCoffee Talk - TaxesVolunteer EventCoffee Talk – TBDCoffee Talk – Navigating on the Fidelity PlatformCoffee Talk – Reading Annuity Statements Bunk Bed Build Volunteer DayCoffee Talk -MedicareHarvest of Thanks November 18th

SIGNING EXPERIENCEW H A T W O U L D Y O U W R I T E ?facing the loss of a loved oneundergoing a medical crisisthinking about retiring earlyconcerned about running out of moneyunsure about paying for long-term careinterested in tax-efficient income planning, preserving assets or avoiding probateTake a moment to think about that question. 'What's on your board?' What we mean by that is- what is on your checklist for how youwant to spend your retirement? Just like any life goal, you need to know your desired end result, then you begin the process ofworking backwards from there. This is why we ask all of our new clients to write their retirement dreams; it allows us to showcase thealigned goals we have as a team, then we begin to work towards meeting those goals. Now that you are a client of ours, think aboutyour loved ones. A simple connection with your trusted financial professional can help them navigate the ups and downs of life andpositively change the trajectory of their future. Will you be the bridge? Will you ask them, "what's on your board?"For example, think about the people you know who are:Then, let your friend or family member know you’d like for them to have the opportunity to talk with us. There’s never any pressure —just a listening ear and thoughtful guidance on their financial situation.WHAT'S ON YOUR BOARD?My dream Retirement is...

It's that time of yearKeep an eye on your inbox for the annual Fullerton Family Christmas video!! If you are not signed up toreceive emails from us email info@fullertonfp.com to be added to our list!

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