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NEWSLETTERT H E O F F I C I A LSEPTEMBER + OCTOBER 2023

TABLE OF CONTENTSFrom the Desk of BeezerHelpful Resources03See what we are doing this seasonto honor our veterans, and how youcan be involved.Grandparent's Event04Join us for a Grandparent’s MovieEvent with your loved ones. 05Are You A Veteran?06Upcoming Fall EventsFind out what exciting events aretaking place at Fullerton this Fallseason.0810Resources and importantinformation brought to you by theFullerton pup.Read our latest blog post aboutmaking an informed decision.Read our latest blog post aboutmaximizing your tax savings.0911Client HighlightsWho We AreSee a glimpse into some of our client’srecent travels and life events.Learn about the Mission Statement &Core Values that form our foundation.12Contact UsWe'd love to hear from you! Learnhow to contact Fullerton Financialand stay in touch.S E E W H A T ' S I N S I D EBlog—Should You EnrollFor Medicare?

UPCOMING FALL 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 NSeptemberNovemberNovemberSeptember9818Grandparent's Day EventNew Client Mix & Mingle - TempeCoffee Talk - Medicare WebinarHarvest of Thanks Annual Client EventJoin us for our highly requested Coffee Talk of the year where we'llbe sharing all the latest Technology Tips and Tricks!Welcome to the Fullerton Family!We're excited to extend an invitation to come and meet other clientsand employees. If you're in the East Valley area and would like tostop by, keep an eye out for more information or get in touch withmaggiec@fullertonfp.com. This is a great opportunity to get to knowus better!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!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 stay tuned for further details!For Questions or to Register email:clientevents@fullertonfp.comOr call our office and ask to speak with Kristin Ornoski. All event dates are subject to change. September1821Coffee Talk - Medicare WebinarNeed help with Medicare? We're here to assist you with anyquestions you may have, just in time for open enrollment.

ARE YOU A VETERAN?At Fullerton Financial Planning, we have aheartfelt mission to honor and celebrate ourveterans, and this year, we're planningsomething extra special. To make thisinitiative a reality, we're inviting you to bepart of it in meaningful ways! If you're a veteran and would like to contribute, we invite you tosend us a picture of yourself from your time in service. Your imageswill be an integral part of the tribute we're preparing. Please sendyour photos to Alex at alexj@fullertonfp.com.We're seeking 3-4 veterans who are willing to generously sharetheir stories. We want to know the "how" and "why" behind yourservice, as well as some memorable experiences that have shapedyour journey. Your stories will resonate with others and help uscreate a heartfelt tribute. If you're interested, please reach out toMaggie at maggiec@fullertonfp.com. We'll coordinate schedules toensure your story gets the spotlight it deserves.VETERANSH O N O R I N G A N D C E L E B R A T I N GHOW YOU CAN HELP12SHARE YOUR VETERAN JOURNEYINSPIRE US WITH YOUR STORIES

GRANDPARENT'S MOVIE EVENTW E ' D L O V E F O R Y O U T O J O I N U SGRANDPARENT MOVIE EVENT SEPTEMBER 9TH AT 10:00AMHARKINS ARROWHEAD FOUNTAINS 18

As retirement approaches, one of the most important decisions that you must make is whether to enroll inMedicare. Medicare is a federal health insurance program in the United States designed to provide coveragefor people aged 65 and older, as well as some younger individuals with certain disabilities. While Medicareoffers essential benefits, choosing to enroll requires careful consideration of individual health needs, financialcircumstances, and existing insurance coverage.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 gSHOULD YOU ENROLL FOR MEDICARE?MAKING AN INFORMED DECISION.NEW BLOGAGE AND ELIGIBILITYMost individuals become eligible for Medicare when they turn 65. Enrolling during the Initial EnrollmentPeriod (IEP) ensures coverage without penalties. Delaying enrollment may lead to late enrollmentpenalties on Part B premiums.FIVE CONSIDERATIONS FOR ENROLLMENT2EXISTING HEALTH COVERAGEIf you are still working and covered by a group health plan through your employer or your spouse'semployer, you may not need to enroll in Part B right away. However, it is crucial to evaluate the costsand benefits of maintaining your current coverage versus joining Medicare.1

OUR RETIREMENT PLANNING TEAM IS HERE TO HELPIIf your thinking about enrolling in Medicare, visit www.fullertonfp.com/medicare today. Let us help you navigate the complexities andfind the best coverage options for you. Remember, making an informed decision today will positively impact your healthcare journey inthe years to come. Speak with one of our planners today by calling (623) 974-0300.Deciding whether to enroll in Medicare is a significant life choice that requires thoughtful consideration. It'sessential to assess your individual health needs, current insurance coverage, and financial situation todetermine the best path forward. Enrolling in Medicare can provide valuable healthcare coverage and peace ofmind during retirement, but it's essential to choose the right plan that aligns with your unique circumstances. HEALTH STATUSPRESCRIPTION DRUG NEEDSThose with existing health conditions may find Medicare advantageous, as it provides coverage foressential healthcare services, reducing the financial burden of medical expenses.If you have regular prescription medications, enrolling in a Part D plan can be beneficial to reduce thecost of medications.354FINANCIAL CONSIDERATIONSMedicare involves various premiums, deductibles, and copayments, which can vary depending on theplan you choose. Evaluating your financial capabilities is vital to ensure you can afford the coverageyou need.

Pawsitively Exciting Webinars on Medicare: Attention, all you curious minds! Get ready to learnsomething new because we've got some insightful Medicare webinars lined up. Whether you're aseasoned pro or just dipping your paws into the world of Medicare, these webinars will have youcovered. Stay tuned for more details on how to join in and fetch some valuable knowledge.Grandparents Movie Day on September 9th: Mark your calendars, hoomans! We've got a specialtreat lined up for all the grandparents and their adorable grandkids. On September 9th, let'sgather at Harkins Arrowhead for a delightful movie day. The featured film? None other than"SING"! It's going to be a heartwarming experience, perfect for creating cherished memories. So, get ready to sing along, munch on some popcorn, and enjoy quality time with your loved ones.Don't forget to bring your grandkids' favorite stuffed toys – I promise not to nibble on them(maybe).That's all for now, my fur-iends! Keep those tails wagging, spirits high, and don't forget to takebreaks for belly rubs and treats. If you ever need a dose of instant happiness, I'm always here witha wag and a slobbery smile.Until my next update, stay pawsome and keep spreading those good vibes!Tail wags and woofs, Beezer the Office Dog Chief Happiness Officer and Master of Paw-sitive VibesWoof-tastic Greetings, Paw-some FullertonFamily!I hope this message finds you wagging your tailswith excitement! It's me, Beezer, your furry four-legged friend, coming to you with the latest scoopfrom the office den. So, grab a comfy spot to readthis, and let's dive into the juicy updates.FROM THE DESK OF BEEZERR E S O U R C E S + I M P O R T A N T I N F OA PAW-SOME UPDATE FROMBEEZER, THE OFFICE DOG!

CLIENT HIGHLIGHTSW H A T T H E Y ' V E B E E N U P T OMARY LOVERAY &LINDADUNCANWE LOVEOUR CLIENTS!Kauai 202318 day cruise tothe PacificIslandsMARY ELLENCAPPELLOTRACY &ROBERTGAGNONTRACY &ROBERTGAGNONbirthday/retirementcelebration andreunion partyGrandpa Boband grandsonNicholas Grandpa Boband grandsonNicholas

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

MEET 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 YNEW EMPLOYEE: TIANEW EMPLOYEE: JARONNEW EMPLOYEE: RONDAS E R V I C E T E A M A S S O C I A T EI N V E S T M E N T A D V I S O R R E P R E S E N T A T I V EF I R S T I M P R E S S I O N S T E A M Meet Tia, the newest re-addition to our Service Team, bringing her warmth anddedication to Fullerton. Here are some delightful insights into Tia's world: herlove for sunflowers mirrors her vibrant personality. If Tia's life were a movie,Sandra Bullock would be her top pick for a leading role. While Twizzlers may bepopular, Tia gives them a pass. What truly lights up her days? Precious momentswith her family and three wonderful grandkids! Tia's favorite vacation spotsinclude the serene Smokey Mountains, the magic of Disneyland, and the sun-kissed shores of San Diego. Oh, and did we mention she's a connoisseur of agood old tea party? Let's extend a warm welcome back to Tia as she adds herunique sparkle to our team!Get to know Jaron, our newest advisor, through these fun facts! A passionateaddition to our team, Jaron's enthusiasm shines as he joins our ranks. When he'snot guiding clients, you can catch him cheering for the Phoenix Suns. Guardiansof the Galaxy tops his list of favorite action movies. Family comes first for Jaron– a devoted husband and father, he loves sharing travel stories and hostingdinners with his wife. Let's welcome Jaron as he enriches our team with hisvibrant personality and dedication! We are grateful for you!Meet Ronda, our newest First Impression Team member bringing her vibrantspirit to our Peoria office. Get to know her better with these charming tidbits:Rhonda delights in both health-conscious Raisin Bran and indulgent FruityPebbles. She's a superhero movie enthusiast, and "Black Panther" has her vote.Rhonda wears many hats – a devoted wife for 21 years, a proud mother of two,and a doting grandmother of two adorable grand-girls. Her love for discountedclothing shopping and savoring piping hot French fries adds a delightful touch toher dynamic personality. Let's extend a warm welcome to Ronda as sheenriches our team with her energy and positivity! We love you!

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 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