Ralph Osorio | FCA Financial | Free Financial Education | Living Benefits

Ralph
Financial Professional
Tel: (310) 270-3937

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!

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”?

College Planning

We all want what’s best for our children’s futures – for many families, that makes college planning and planning for college costs a top priority. However, quality higher education is coming at a premium these days, and all of the projections indicate that the trend will certainly continue in the coming years. Get started with your college planning NOW.

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 Ralph:

Financial Professional Specialist in Tax-Free Retirement and Living Benefits. I have over 7 years experience in Life Insurance and Annuity industry.

I started my career with Allstate Insurance Company as a Life Insurance Agent and Property and Casualty Agent.

Prior to that I was a loan officer with Wells Fargo and Bank of America helping clients with their mortgages.

The reason why I became a Financial Professional is to help individual achieve long term financial security in times of uncertainty and planning for their own Retirement Strategies, Financial goals and Mortgage protection.

Helping people build wealth, tax efficiency, long term impact and also with rising popularity of Tax-Free Retirement Strategies. For the past 7 years I have enjoyed working with professional individuals, families, business owners and athletes.

When not working, always enjoy playing tennis. If your up for a match let me know!

*For more information about Ralph and his work please head over to his professional website.

Schedule a Free Consultation with Ralph