Citizens Alliance Bank’s Post

How would it make you feel if your beloved wife receiving a passive income as a token of appreciation for her invaluable hard work and dedication to the family? #ThePerfectChristmasGift #ForAllTheLovelyWives #PassiveIncome #RetirementPlans #InvestmentPlans #LifeProtection #WealthPlanning #WealthManagement #WealthProtection #WealthPreservation #RiskManagement #InvestmentDiversification #CustomizedSolutions #NikhilaIndiraKarunanamage

Even now Dreaming of Retirement in the Sunlight Belt? https://lnkd.in/dzYST--E In 2015, when Diana and Charles Cox have been contemplating where by to retire, they drove their R.V. across the Southwest to visit several alternatives: Santa Fe, Sedona, Phoenix, Las Vegas.They’d lived in San Jose, Calif., for practically 20 years, but Ms. Cox was winding down her practice as a biotech patent attorney, and her revenue was dropping as taxes, housing and other residing costs ended up soaring.Her partner, 71, a contractor, experienced retired years earlier. “I was obtaining a lot more and far more difficulties shelling out the house loan,” mentioned Ms. Cox, who is 69.Phoenix gained out because of its decreased charges, worldwide airport and lots of overall health care companies, essential for two people today with chronic clinical circumstances. The few acquired a residence in a 55-additionally neighborhood in suburban Goodyear, Ariz., in 2016. Understanding the summer season warmth there would be rigorous, they prepared to shell out the season again in the Bay Spot in their R.V.But the pandemic designed travel come to feel unsafe for many years. Mr. Cox underwent remedy for prostate most cancers. Ms. Cox’s father moved in and needed care. So they have generally summered in Goodyear.The quantity of older Us residents like the Coxes who are uncovered to excessive warmth is rising, the end result of an growing older population, continuing migration to warmth-inclined spots and local climate improve. Researchers say the craze will only get worse.“The sites that are very hot now are exactly the areas getting older,” stated Deborah Carr, a sociologist at Boston College and direct creator of a latest research of populace growing old and heat publicity.Phoenix, extensive a retirement location, has averaged 108 times a calendar year of 100-furthermore diploma temperatures considering that 1970. But this yr has been brutal: By July 31, Phoenix experienced currently attained 68 times this calendar year with temperatures above 100 levels. Temperatures hit at minimum 110 levels Fahrenheit for 31 straight times, from the past day of June to the conclude of July, environment a report.And hazardous heat returned to the metropolis just this weekend.Summer in the Phoenix suburbs has been “miserable,” Ms. Cox said, on a midmorning when the temperature in Goodyear had presently arrived at 106. “You genuinely cannot go out and do issues. We have not been as sociable as I’d like.”This yr has been especially miserable for the reason that a delayed dwelling renovation project pressured the couple to shift into their R.V. for 3 months, beginning in June. The vehicle’s two air conditioning units are struggling. So is the refrigerator, causing salads to wilt and milk to spoil.“A pair of days back it received up to 92 in below,” Ms. Cox reported. “The cats were prostrate undern

Eight Steps to Take When Settling an Estate as the Executor Note: Being the executor of an estate can be overwhelming, but breaking the process down into individual steps can help make it much less daunting. https://lnkd.in/eVRg7-Ft #estateplanning #retirement #retirementplanning #estate #moneymanagement #personalfinance #taxplanning

In honor of President’s Day, let’s take a moment to reflect on the wisdom of our forefathers. If the American Dream is about making something of ourselves and living financially healthy lives, then it seems reasonable to say that a stress-free retirement is that dream coming to fruition. We all want to retire comfortably one day, and many Americans actually have the power to make it happen if they set clear saving and investing goals – and work hard to meet them. This President’s Day, we could all afford to take a cue from America’s leaders and founding fathers: “There is no dignity quite so impressive, and no independence quite so important, as living within your means,” Calvin Coolidge, 30th U.S. president. “Things do not happen. Things are made to happen,” John F. Kennedy, 35th U.S. president. “Patience and perseverance have a magical effect before which difficulties disappear and obstacles vanish,” John Quincy Adams, 6th U.S. president. You are in control of your own destiny. Take inspiration from the wisdom of former American leaders and use it to prepare your financial future. By making a few sacrifices today to pay off your high-interest loans and make saving and investing a part of your budget, you’ll move the needle toward achieving financial health and fulfilling the American Dream.

In honor of President’s Day, let’s take a moment to reflect on the wisdom of our forefathers. If the American Dream is about making something of ourselves and living financially healthy lives, then it seems reasonable to say that a stress-free retirement is that dream coming to fruition. We all want to retire comfortably one day, and many Americans actually have the power to make it happen if they set clear saving and investing goals – and work hard to meet them. This President’s Day, we could all afford to take a cue from America’s leaders and founding fathers: “There is no dignity quite so impressive, and no independence quite so important, as living within your means,” Calvin Coolidge, 30th U.S. president. “Things do not happen. Things are made to happen,” John F. Kennedy, 35th U.S. president. “Patience and perseverance have a magical effect before which difficulties disappear and obstacles vanish,” John Quincy Adams, 6th U.S. president. You are in control of your own destiny. Take inspiration from the wisdom of former American leaders and use it to prepare your financial future. By making a few sacrifices today to pay off your high-interest loans and make saving and investing a part of your budget, you’ll move the needle toward achieving financial health and fulfilling the American Dream.

In honor of President’s Day, let’s take a moment to reflect on the wisdom of our forefathers. If the American Dream is about making something of ourselves and living financially healthy lives, then it seems reasonable to say that a stress-free retirement is that dream coming to fruition. We all want to retire comfortably one day, and many Americans actually have the power to make it happen if they set clear saving and investing goals – and work hard to meet them. This President’s Day, we could all afford to take a cue from America’s leaders and founding fathers: “There is no dignity quite so impressive, and no independence quite so important, as living within your means,” Calvin Coolidge, 30th U.S. president. “Things do not happen. Things are made to happen,” John F. Kennedy, 35th U.S. president.  “Patience and perseverance have a magical effect before which difficulties disappear and obstacles vanish,” John Quincy Adams, 6th U.S. president. You are in control of your own destiny. Take inspiration from the wisdom of former American leaders and use it to prepare your financial future. By making a few sacrifices today to pay off your high-interest loans and make saving and investing a part of your budget, you’ll move the needle toward achieving financial health and fulfilling the American Dream.

Incredible share Glenn Sanford! I was reminded on a couple of occasions today about why we started eXp Realty almost 15 years ago. 15 years ago real estate agents didn't have a retirement strategy and I heard someone back then say two things... Real Estate Agents don't retire. They die. & This is the only industry where your real estate agent might need to use a walker. There's nothing wrong with this however it is a fact of life that independent contractors have historically had no safety net. What happens when you can't sell real estate and you are the primary breadwinner for your household? What happens then. KW got it kind of right when they talked about having businesses worth owning. It was really aspirational because in reality it was so rare to actually find an agent who had really built a business to the 7th level. In reality it's probably easier to get hit by lightning then it is to build a real estate practice to the 7th level. Anyway I digress a bit however seeing agents who end up with some sort of issue, whether health or taking care of a loved one or simply wanting to retire and being able to do that with dignity is the biggest blessing that this business provides me almost every day. Certainly there are new upstarts, REAL, LPT, Epique and others who because eXp led the way are providing similar benefits to agents who go there as well. I'm proud that we have fundamentally changed the industry as we know it going forward. We were the first one to introduce health coverage for real estate professionals. Now two of the above do something similar. We were the first company to offer meaningful equity. Now one does it in reality and the others promise it... (its a toss up if that happens). In any event, as Leo Pareja mentioned in another post. We're just getting started. We have a ton of benefits already in place beyond those listed above and a bunch more coming in the future. Bottom line. If you are a real estate agent be with a company that puts you first and orients everything around being better for the agents who are with them. One thing I continue to be super proud of is the amount of ownership in the company that continues to be with our agents, brokers, founders and staff. I estimate it to be around 70% of the company. Anyway I do get emotional when I hear about situations where there is something tragic while at the same time recognizing that eXp has in a small way created a way through that would be hard to see with the legacy models of real estate.

🙇♀️ What is Emily working on today? 🙇♀️ For some reason, y'all seem to love these posts so here goes: 1. Earthquake insurance: I'm researching whether it make sense for my client to invest in Earthquake insurance. Major considerations - is the home close to active faults, is there recent seismic activity? How well-constructed is the home? 2. Inherited Roth -> Roth: My client inherited a Roth. I'm helping them take distributions from the Inherited account and making shiny, fresh contributions to a Contributory Roth so they can keep the Roth love growing long-term. 3. Remodel Financing: A client is looking to purchase a fixer-upper. I'm researching the best loan options for the purchase and renovation costs. 4. Assisted Living: A client's mom is going into assisted living, I'm evaluating her income streams and running projections for her assets, as a courtesy to my lovely client. 5. Tax Letters: Several clients' CPAs are receiving tax letters from me today detailing tax planning moves we made last year, income sources, and the tax documents from Schwab. 6. Retirement Check-in: I'm checking in on 2 clients who recently retired to see how cash-flow is going and answer questions following the big transition into retirement. 7. RMD & QCD: I'm helping a new client set up their Required Minimum Distributions and Qualified Charitable Distributions (QCD). 8. Plan Updates: I have 2 emails from clients with updates to their plan I'm going to enter for them. 9. Estate Planning: I'm walking a client through setting up their estate planning documents on Wealth.com 10. Fresh Air: I'm planning to take a quick walk today and get some fresh air. Something I forget to do sometimes... What are y'all up to today?