Lu Casillas | FCA Financial | Free Financial Education | Living Benefits

Luanne
Specialist
Tel: (310) 780-1393

Charting America’s Debt: $36 Trillion and Counting. Failing to plan is planning to fail!

If you save money today, money will save you tomorrow!

Schedule a Free Consultation with Luanne

Income Protection

Picture this: Imagine you had a 100% legal money-making machine in your garage. This machine does nothing but print nice, crisp, legal tender all day long, and your family relies on that machine’s output to pay for bills, food, and anything else they need.

If given the opportunity, would you take out insurance on that machine to ensure that if it broke down, the money it produced would keep coming until it could be fixed?

Of course you would.

Here’s the thing: If you work for a living and provide for your family, YOU ARE THAT MONEY-MAKING MACHINE! If something happens to you and your money-making ability is interrupted, how is your family going to replace that monthly income unless you’re properly protected for such an occurrence?

At FCA Financial, we work with each of our clients to ensure that their family is properly provided for in the case of an interruption in income – whether that is due to an unexpected death or an illness such a heart attack, stroke, or cancer diagnosis. With our help, our clients can rest assured that no matter what happens, the bills will be paid and the family will be taken care of.

Your income is more than just a paycheck. It represents your family’s ability to continue to lead the life you’ve built together. Protect it. Protect them.

We can help.

Retirement Planning

Why are so many American households unprepared for retirement? Did you know that:

Only 5 states require high school students to take a class about money!

The average American household only has about $135,000 saved for retirement!*

61% of people age 44-75 actually fear running out of money in retirement more than they fear death itself!

40 % of pre-retirees are expecting a decline in their standard of living at retirement!*

Mortgage Protection

One of the most vital services we offer at FCA Financial is helping our clients establish mortgage protection plans for their homes.

What exactly is mortgage protection? Well, if you’re like most Americans, your home is the largest purchase you have ever made, and the most valuable asset you own, financially-speaking. Your mortgage payment is likely your family’s largest monthly expense, and you work hard to dutifully pay down your mortgage balance every month.

But what if you were to be diagnosed with cancer, and suddenly hit with unexpected medical bills?

What if you are out of work for several months at a time recovering from a heart attack, and can’t keep up with your mortgage payments? What if you or your spouse passed away unexpectedly, leaving the other to shoulder the burden of the mortgage payment on their own? These aren’t pleasant situations to imagine yourself being thrown into, but it is a risk that is important to be prepared for.
Typically, these plans are designed to pay off the balance of the mortgage should the policyholder pass away within the coverage period (typically 30 years, to cover a 30-year mortgage). Infinity Marketing Alliance’s mortgage protection plans are unique in that they come infused with Living Benefits – meaning they don’t only pay out upon the death of a policyholder. Our plans also put much-needed money in the policyholder’s hands if they suffer a major illness – like a heart attack, stroke, or cancer. This money can be used to keep the mortgage bills paid in those potentially difficult financial times, and offer peace of mind when it comes to keeping a roof over your family’s heads.

At FCA Financial, we’re mortgage protection experts, and have helped tens of thousands of American families safeguard their most prized asset. We’d be honored to help you protect you and yours as well.

Business Preservation

Businesses and their owners generally pass through several identifiable stages during their business life cycle. Business Preservation and protection is the first stage: Helping to ensure protection against unexpected pitfalls.

Would your business be threatened by the death of a key employee?

Regulations change. Have your plans kept pace? When was your last “checkup”?

What about your partners? Do you have a buy/sell plan in place?

How is it funded?

What is your businesses current value?

What about Employee benefit plans? Just as important, what are your “Selfish Benefits”?

Estate Planning

Estate planning is really an ongoing process and should be started as soon as one has any measurable asset base. As life progresses and goals shift, the estate plan should move to be in line with new goals and new asset accumulations. Lack of adequate estate planning can cause undue financial burdens to loved ones (estate taxes can run higher than 40% especially if you live in a state that has a state estate tax on top of the federal estate tax), so at the very least a will should be set up even if the taxable estate is not large.

According to Forbes: 64% of the public don't have a will. And even more shocking is the number has been steadily increasing!

Did you know that certain states have their own estate tax? Essentially, that could mean that your family may have to pay State and Federal taxes on your property!

Do you know how wealthy families stay wealthy? They set up their estate properly, and they manage their asset base with special trusts to help mitigate the tax burden – while leaving money outside of the estate to pay the taxes.

About Luanne:

Lu is an Independent Living Benefits Specialist with Financial Concepts of America.

Serving the L.A Coastal Area, Arizona and other states. She is a financial advocate for women, individuals and small business owners.

Providing financial security helps to ensure you will not lose or outlive all of your money.

The conversation of money can be different between men and women and this is my area of expertise. As women, we need to be taught the focus on the what- if. What if I suddenly become a sole provider or lose my income? As business owners it is key to create lower future taxes. This is an area that doesn’t work for “tax deferred or plans that penalize”.

I believe there are 5 areas of movement that need to happen, including taking a portion of your future income and guaranteeing it will last forever or creating a tax-free income stream. Lu offers her clients an opportunity to HELP their portfolio that may be bountiful but volatile; to utilize an asset that is not speculated but will create a stream that is contractually guaranteed for them.

This is what is missing in most retirement plans. There comes an age where making up market loss becomes a shorter window and begs this question.

Why are we taught that it is okay to lose our money? Lu sits on the Board of Directors for the LAX Coastal Chamber of Commerce. Co-chair of the award winning Women’s Lifestyle Committee and serves as President of the Playa del Rey based Ladies of the Westchester Elks since 2019.

Lu is a published writer on topics including Crazy $exy Money, Women & Wealth. The articles are conversation starters. She is also the creator of the group Blend2Day. ( Balance,Life,Educate,Network,Dream 2day) A women's networking brand where we as women can build up our businesses and create a vehicle to propel each other, teach, learn & create. In-person and Zoom appointments available.

Schedule a Free Consultation with Luanne