Estate & Financial Planning Strategies

Below are brief summaries of some of the topics that may arise as we explore your long- and short-term financial goals. The information will give you something to consider as you prepare for our initial review.

Accumulating Retirement Assets

Retirement can signify a lot of things to a lot of people: sailing off into the sunset with your beloved; never having to worry about waking up early to catch the morning train; finger-painting with your grandkids. But to make these dreams a reality, you'll need to create a nest egg that will make your retirement years as comfortable, if not more, as when you were working.

Essentially, it's never too early to think about saving for your golden years. As the average lifespan increases, you should be prepared to put aside more to accommodate a longer retirement.

We understand the importance of having enough to spend during your retirement. That’s why we offer a variety of insurance and financial products that can help you fund your retirement, and make the money you’ve worked for years to save go even further.

Creating a Lasting Legacy for Loved Ones

With hard work and careful planning during your income-earning years, you may have built a healthy nest egg, sufficient to ensure a comfortable, independent retirement. You may actually be in the enviable position of being able to leave something to those you love the most: your spouse, children, grandchildren, and perhaps your favorite charities. Now's the time to seize the moment and put together a plan that creates a legacy for those you love.

Your Children's Education

Consider this scenario: The car's packed and the teary good-byes have been exchanged. You may feel as though your baby's leaving you, but this is one of the proudest moments of your life. You've scrimped and saved to afford your child's education, and now that the day is finally here, you can breathe a sigh of relief. Thank goodness you planned ahead and started saving early so that the next four years won't be so financially stressful.

Now, consider the alternative: What if you didn't plan? Then those next four years could be your worst nightmare, turning into a juggling act of student and parent loans, financial aid requests, and semesterly payments. Fortunately, we understand the importance of funding your children's education, and, therefore, offer a selection of products to help you meet that goal.

Of course, we can't promise that you won't get the occasional phone call, "Mom? Dad? I'm a little low on cash.…"

Safeguarding Your Home Mortgage

There's nothing like the feeling of owning your own home. It's a part of the American Dream - to live in a home that you can truly call your own. Between picking out curtains and paint samples, you should also remember that your house is an investment. Your home represents many things – a place to raise a family, comfort, and a major financial commitment. Like other valuable assets in your life, it too needs to be protected. Realizing how important your house is to you and your family is the first step. Deciding on ways to safeguard your investment is an important step that will help guarantee the joy of owning your home for years to come.

We can help alleviate some of the worry that comes with ownership. One major concern may be that your family will face difficulties paying off the mortgage in the event that you pass on. One of the ways to help assure your family's financial security is to consider life insurance products as mortgage protectors. Products such as Permanent Life and Term Life insurance are personally-owned and portable. If purchased in an adequate amount, the death benefit can help retire the mortgage, and also help provide money to cover other expenses. Ensuring your family's future now will help ease your mind, and let you concentrate on the really important things…like choosing between carpet or hardwood floor for the dining room.

ADVISORS

		Daniel D. Nelson, CEO Phone: 480-505-1183 Fax: 480-505-9809 E-mail: dnelson@nelsonfg.com Bio can be read under About NFG
		Daniel J. Twogood, Partner Phone: 480-505-1183 Fax: 480-505-9809 E-mail: dtwogood@nelsonfg.com Bio can be read under Wealth Management.
		Paul Rutkowski, Managing Partner Phone: 480-505-1183 Fax: 480-505-9809 E-mail: prutkowski@nelsonwm.com Bio can be read under Wealth Management.
		Jennifer H. Walker, CRPC, Partner Phone: 480-374-1246 Fax: 480-505-9809 E-mail: jhwalker@nelsonwm.com Bio can be read under Wealth Management.
Phone: 480-505-1183 Fax: 480-505-9809 Email: rcollins@nelsonfg.com		Rory Collins, Associate As an Associate with Nelson Financial Group (NFG), Rory works with clients in the areas of personal life insurance, estate conservation, and long term care.  He joined NFG in 2009 after a brief career in the information technology field, and before long he had earned Agent Rookie of the Year honors and Annuity Champion status for his efforts.  He attributes this success to his care and concerns for clients, investing the time needed to understand their specific objectives and presenting them with appropriate solutions. Rory grew up in Ohio and moved to Arizona in 1991.  He received a Bachelor of Science degree in Agricultural Business from Arizona State University.  Family life revolves around his wife Kaprice and their identical twin boys, Henry and Charlie.  Rory enjoys traveling, fishing, skiing, auto racing, and simple days at home.  He and Kaprice are actively involved at Pinnacle Presbyterian Church in North Scottsdale, Arizona.
Phone: 480-505-1183 Fax: 480-505-9809 Email: cdiana@nelsonfg.com		Christopher Diana, Associate Chris is a life insurance specialist. He grew up in Connecticut attended Central Connecticut State University. In 1992 he went to work for Travelers Life and Annuity in Hartford, CT, then in 1998 Travelers relocated Chris and his Family (wife and 3 kids) to Arizona. Chris was the Western Regional Sales Vice President for 16 Western States for life, LTC, Annuities and Qualified Plans. In 2006 he went to work for Protective Life doing Estate Planning for clients. Chris has his life and health licenses. Currently, Chris has many years of experience working with clients about Protection of Assets, Transfer of Wealth and helping minimize tax obligations. Chris is actively involved in the community. He has sat on the Board of Directors for several local organizations and charities. He currently is the president of a 501c3 youth soccer club and also coaches and Ref’youth soccer in his spare time.