Return to flip book view

NEWSLETTERTHE OFFICIALNOVEMBER + DECEMBER 2023

TABLE OF CONTENTSFrom the Desk of BeezerHelpful Resources03Honoring and celebrating veteransand their sacrifice. Watch our videoabout veterans, & hear their stories.Christmas + Bday Video04Allow us to introduce you to atradition that's bound to bring a smileto your face.05Veteran’s Day06Upcoming EventsFind out what exciting events aretaking place at Fullerton thisNovember & December.0714Resources and importantinformation brought to you by theFullerton pup.Read our latest blog post abouttrusts, wills, and protecting yourfamily’s wealth.Learn about our 8th Annual Harvestof Thanks Client Event, and how youcan be involved.Read our latest blog post aboutmaximizing your tax savings.101112Who We Are Meet the TeamLearn about the Mission Statement &Core Values that form our foundation.Meet the new faces at Fullerton Financialand help us welcome them!13Contact UsWe'd love to hear from you! Learnhow to contact Fullerton Financialand stay in touch.SEE WH AT 'S I NS ID ETrusts & Other Tools YouCan Use to Protect WealthHarvest of Thanks

Your Voice Matters! As we gear up for our exciting 2024 events, we value yourinput. Share your interests and let us know which events you'd love to see in ourlineup. It'll only take 5 minutes to complete this survey – your feedback isinvaluable to us! Scan the code to take the survey!UPCOMING EVENTSFI ND OUT WH AT' S G OING ON AT FU L L ER T ONNovemberJanuary January824Coffee Talk - Medicare WebinarCoffee Talk - Travel Agent2023 Retirement PartyDid you embark on the exciting journey of retirement in 2023? If so,we want to celebrate with you! Join us for an unforgettable evening offestivities designed exclusively for those who retired in 2023. ToRSVP and receive more details about this event, please contactMaggie Cady at maggiec@fullertonfp.com.We aim to provide you with the necessary support and knowledge tonavigate any questions you may have during the small Medicareenrollment window. Don't forget to invite your friends, we'll be happyto see you all there virtually!Have you set your travel goals for the New Year? Join us as ouresteemed friend and travel expert shares invaluable tips and tricks tohelp you turn your retirement travel dreams into reality and beyond!For 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. November18178th Annual Harvest of Thanks Join us for our 8th Annual Client Appreciation Event! There'll be pie,exciting surprises, a toy and bike drive, and great company. Markyour calendar and RSVP at harvest.fullertonfp.comWe Want Your Opinion - What Do YOU Want?

This Veterans Day, we stand together, not just for amoment, but for the ideals they have defended. Becauseheroes are not just in history books, they’re all around us.In every community, there are heroes among us. They are our fathers, our mothers,our brothers, our sisters, our neighbors and friends who have answered the call theserve. They have faced challenges and stayed strong. They have defending ourfreedom and our way of life. Through sacrifice they showed us the true meaning ofcommitment. “I’m so thankful that Igot to serve mycountry. When I was19 I committed toserving, and thatmeans a lot to mebecause our freedomis so precious.”VETERANSHO N OR I NG AN D CE L EB R AT I NGTHANK YOU FOR YOUR SERVICEWatch ourveteran video. Hearfrom the FFP Teamabout what VeteransDay means to them, and veterans abouttheir experience.

If you're new here, allow us to introduce you to a delightful tradition that's bound tobring a smile to your face. We're thrilled to announce that the eagerly awaited FullertonFamily Christmas and Birthday video is currently in the works!Get ready for a dose of familywarmth and merriment—ourvideo is coming soon!This video promises to be atreasure trove of heartwarmingmoments, laughter, and all-around fun. Trust us, you won'twant to miss out on the joy it'ssure to bring.Now, here's the important part: Have youensured your email is up-to-date, or have younot yet subscribed to receive our entertainingemails? Don't fret!Simply send a quick message toinfo@fullertonfp.com, and we'll make certainyou're on the list to receive your video.FAMILY CHRISTMAS + BIRTHDAY VIDEOBE H IN D T H E S C EN E S

Our favorite day of the year!8TH ANNUALCLIENT APPRECIATION, TOY & BIKE DRIVE HARVEST OF THANKSBuy a Shirt3All proceeds will bedonated to the FullertonFoundation. These fundswill be instrumental indriving long-lastingpositive change withinour local community.RSVP1We would LOVE to seeyou there!Donate2Toy & Bike Drive Goal:$10,000; 100 Bikes;1,000 ToysJoin Us!3 Ways tobe Involved:To RSVP, buy a shirt, or findout more information aboutdonating, visitharvest.fullertonfp.comor scan the QR Code.We love what we do, and it all starts with the relationships wehave with our clients. We value the trust you place in our teamand hope this day can serve as a token of our appreciation. Immerse yourself in the ambiance of the season with live music,savor delectable bites from food trucks, and let your childrenand grandchildren revel in the fun-filled Kid's Zone.November 18 · 10AM-1PMFFP Peoria 14155 N. 83rd Ave. · Peoria, AZ 85381

There are many Phoenix-area workers and soon-to-be-retirees whounderstand the often precarious nature of generational wealth. If you’reexperiencing restless nights worrying about both foreseen andunpredictable threats to the wealth you’ve spent a lifetime accruing,you’re not alone.Many people fail to make full and proper use of all the estate planningand wealth protection tools available to them, often because anunexpected accident or health emergency cuts short the time theythought they had. The inescapable reality is none of us knows exactlywhat the future holds, and it’s always preferable to be prepared today.Estate planning tools like trusts are intended to insulate you and yourhard-earned wealth from those unexpected events and the long, greedyarm of the government.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 gTRUSTS AND OTHER TOOLS YOU SHOULD USETO PROTECT YOUR FAMILY‘S WEALTH.NEW BLOGWHAT ARE TRUSTS?Trusts are essentially agreements where an individual, the settlor, transfers assets to a separate entity, thetrust, to be managed by trustees for the benefit of beneficiaries. They can be versatile, offering control, taxefficiency and protection against potential future creditors.“If you’re experiencingrestless nights worryingabout both foreseen andunpredictable threats tothe wealth you’ve spenta lifetime accruing,you’re not alone.”

TYPES OF TRUSTS FOR WEALTH PROTECTIONSPECIAL NEEDS TRUSTSCHARITABLE REMAINDER TRUSTSGENERATION-SKIPPING TRUSTSOTHER ESSENTIAL WEALTH PROTECTION TOOLSRevocable Trusts: These can be changed or terminated by the settlor during their lifetime. They're great foravoiding probate but might not offer the same level of asset protection or tax advantages as their irrevocablecounterparts.Irrevocable Trusts: Once established, these cannot be easily changed. They're especially effective for assetprotection and offer a host of potential tax benefits.Revocable Versus Irrevocable TrustsFor families with disabled members, a special needs trust ensures that the beneficiaries can still qualify forgovernment aid while having access to assets in the trust for additional needs.These allow you to contribute assets to the trust and receive an income stream in return. At the end of the trustterm, the remaining assets go to a charitable organization.Ideal for those who wish to leave assets to their grandchildren, skipping their children. This type of trust can helpavoid estate taxes that could otherwise apply multiple times.Estate planning documents are not mutually exclusive. Trusts are not one-for-one replacement for a will.Different estate planning tools accomplish unique goals or offer specialized protections your family won’t enjoyby relying solely on one document.There are also time considerations to factor into your estate planning decisions. Certain life milestones or eventsmay spur you to add to or modify your existing plan. For example, a young family may want to establish a trustafter buying a home or welcoming their first child. It’s also important to update your trust, will, power of attorneyand other documents as your life changes, such as after the birth of a child, divorce or remarriage.There’s no one-size-fits-all estate or retirement planning solution. Consulting with retirement planningprofessionals, especially those who work closely with estate planning attorneys, is often beneficial for Phoenixretirement planners who want to learn about all their options and how these various estate planning tools worksynergistically to safeguard assets and minimize tax liability.WHAT ARE WILLS?POWER OF ATTORNEYFAMILY LIMITED PARTNERSHIPS (FLPS)A foundational estate planning tool, a will determines how your assets will be distributed upon death. It's anessential document for everyone, regardless of their wealth level. Things like power of attorney & healthcaredirectives are important at any age. Simply put, everyone should have a will, even if you have a trust.This legal document allows you to designate someone to act on your behalf, typically in financial or medicaldecisions, should you become incapacitated.FLPs let families pool their assets into a single entity. This can provide asset protection, centralized managementand potential tax benefits.

OUR PHOENIX FINANCIAL PLANNERS ANDESTATE PLANNING PARTNERS ARE HERE FOR YOUProtecting your family’s wealth requires a proactive approach, strategy and the right tools. Trusts stand out as a powerful instrument, butthey're just a part of the picture. Combining them with other wealth protection and transfer tools can ensure your assets are preserved,managed efficiently and passed down in line with your wishes.Contact the team at Fullerton Financial Planning at (623) 974-0300 to learn about your options.LIFE INSURANCEANNUAL GIFTINGBUSINESS SUCCESSION PLANNINGMAKING THE RIGHT CHOICESA well-structured life insurance policy ensures that your loved ones receive a tax-free payout upon your demise,providing them with financial stability.To reduce the size of your taxable estate and help your heirs now, consider annual gifting. It allows you to give acertain amount to as many individuals as you like each year, tax-free.For business owners, planning for the transfer of your business upon your retirement, incapacity or death iscrucial. It helps ensure that the business continues smoothly and can provide for your family.People shouldn’t feel as if they must follow a pre-determined rubric of estate planning. Every person andfamily is different and it’s important to develop and implement a plan that’s right for your goals andwhere you’re currently at in life.While some retirement planners have dedicated decades to growing their wealth with the express goal ofpassing it on to their children or grandchildren, others prefer to pass their savings on to charities ororganizations that align with their worldview or causes relevant to them. There’s no right or wronganswer, especially when it comes to wealth you’ve earned through your own efforts.Finding a team of retirement planners, investment managers, tax professionals and estate planninglawyers who can work together to develop a comprehensive plan customized to your needs is often thebest way to ensure your goals and desires are faithfully executed.

Mission: Providing Safety and HopeSafe Lots is all about offering immediate help for today, instilling hope for tomorrow, and working towards abrighter, more secure future for these vulnerable families. Imagine, single moms with their precious children,finding safety and respite in their time of need.Our Plan: Creating a Haven of SupportAt Safe Lots, our aim is to provide more than just a safe space. Through a range of services, including SafeSleep arrangements, a warm, nutritious meal, and access to essential facilities like mobile shower and laundrytrailers, we're ensuring that these families have the basics they need to regain their footing.Dear Furry Friends and Financial Enthusiasts,As the official office dog here at Fullerton Financial Planning, I'mthrilled to share some pawsitively heartwarming news with youall! The holiday season has officially arrived, and you knowwhat that means - it's time for spreading love, warmth, andcheer.I must admit, I'm a bit of a holiday enthusiast myself. There's justsomething about the twinkling lights, the aroma of freshly bakedtreats, and the joyous laughter that warms my furry heart. It's atime when we all come together, just like one big, happy family.Speaking of families, let me tell you about an initiative that'svery close to our hearts here at Fullerton Financial Planning -it's called "Safe Lots." This wonderful program embodies the true spirit of the season, providing a temporary safe shelter option forwomen and children who find themselves living in their cars.But it doesn't stop there. But it doesn’t stop there, Lifebridge's wrap-around programs, offer them opportunitiesfor education, job readiness, healthcare, and much-needed support towards finding more permanent housingsolutions. Additionally, as temperatures change, we're stepping up to provide crucial weather relief and extraresources to make the transitional journey a little more comfortable.So, dear friends, as we gather with our loved ones this holiday season, let's also remember those who coulduse a little extra love and support. Together, we can make a real difference in the lives of these families. I hopeto see you at the Harvest of Thanks on November 18!! Wishing you all a warm and joy-filled holiday season!Wags and Warmth,Beezer Official Office Dog, Fullerton Financial PlanningP.S. Want to learn more about Safe Lotsor get involved? Reach out to us atinfo@fullertonfp.com.Let's spread the love!FROM THE DESK OF BEEZERRE S OU R CE S + I MP O RT A NT IN F OEMBRACING THE HOLIDAY SPIRIT AND GIVING BACK!

KILEIGH SWINTONMICHELLE FOARDFIRS T I M P R ESSION TEAM M E M B E REXEC U T I V E ASSISTANTA warm welcome to Kileigh Swinton, our newest addition to the First ImpressionTeam at Fullerton Financial Planning! Kileigh comes with a vibrant energy and apassion for creating positive client experiences. Here are three intriguing factsabout her: she has a penchant for the classic breakfast dish, Eggs Benedict;she's a proud supporter of Arizona sports, cheering for the Cardinals, Suns, andDbacks; and while she leans towards Rom Coms, she appreciates a good actionfilm - with "The Spy who Dumped Me" topping her list. Kileigh's dynamicpersonality and dedication to exceptional service make her a valuable asset toour team. Join us in extending a warm welcome to Kileigh, and we look forwardto the wonderful impact she will undoubtedly have on our client interactions!We're thrilled to introduce Michelle Foard, our new Executive Assistant atFullerton Financial Planning! With a wealth of experience and a keen eye fordetail, Michelle is poised to be a valuable asset to our team. Here are threeintriguing facts about her: her go-to cereal is the colorful and nostalgic FrootLoops, she's a fan of superhero movies, with Thor topping her list, and herfavorite age thus far was 50 (though Michelle, who is now 55, is showing us thatevery age brings its own magic!). Her dynamic and warm personality is alreadymaking a positive impact on our daily operations. Please join us in extending awarm welcome to Michelle, and we look forward to the exceptional support andservice she'll bring to our team and clients alike!ALEX JENNINGSEMPL O Y E E O F THE MONTHAllow us to introduce you to the incredible, talented, and delightful AlexJennings! Alex is a key member of our marketing team, where she consistentlyexcels in crafting captivating content and organizing engaging events to keepYOU, our valued clients and prospects, well-informed. With two years ofdedicated service to the Fullerton Family, Alex's expertise goes beyondmarketing; she's a devoted dog mom, a savvy shopping enthusiast, and a lovingwife. We're immensely proud to have Alex as part of our team! When you crosspaths with her, take a moment to extend your congratulations for her well-deserved recognition as our current Employee of the Month.MEET OUR TEAMTH E P E OP L E B E HI N D T HE CO M P AN Y

Contact UsLet's Get Social!As Seen & Heard On14155 N. 83rd Ave.Suite 144Peoria, AZ 85381Corporate Office:Tempe Office:600 E. Rio Salado Pkwy.Suite 102Tempe, AZ 85281Corporate Phone: (623) 974-0300 · Tempe Phone: (480) 912-4500Fax: (623) 974-0330 · Email: Info@fullertonfp.comWatch us weekly on Saturdays on 12News at 4:30am, andon Sundays on CBS Channel 5 or KUTP FOX 10 at 09:30am.Stream the Fullerton Financial Hour podcast on both ApplePodcast and Spotify.Watch us nightly on NBC Channel 12 News. 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. Formore information 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 arecommendation of any particular security or strategy. The investment strategy and themes discussed may be suitable for everyone, it depends on each person’s specific investment objectivesand 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 reflectsubjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. F A CE B O O Kfacebook.com/fullertonfinancialplanningT W IT T E Rtwitter.com/fullertonfpI N ST A G R AMinstagram.com/fullertonfinancialplanningY O UT U B Eyoutube.comSearch: Fullerton FinancialPlanningL I NK E D I Nlinkedin.com/company/fullerton-financial-planning