The Fullerton Blog

April 2, 2025

How to Use Diversified Investments to Build a Balanced Retirement Income Plan

Well-diversified retirement income strategies aren’t just for the ultrawealthy. Retirement savers and retirees with modest portfolios can incorporate a mix of

April 2, 2025

Developing a Strategy for Long-Term Retirement Income

Retirement planning isn’t just about saving: it’s about helping those savings last. A sustainable retirement income plan supports financial security by

April 2, 2025

Managing Withdrawals During Market Downturns

While no one likes to see the value of their 401(k) or IRA decrease, market downturns are far more worrying for current retirees than workers. Those nearing

March 14, 2025

Investment Strategies for Women

Women face unique retirement planning and investment challenges, including longer lifespans and potential income gaps from career breaks or lower lifetime

March 13, 2025

Unique Challenges Women Face in Retirement

Women face distinct challenges in retirement. Longer lifespans, lower lifetime earnings, and higher healthcare costs can create financial hurdles that require

March 12, 2025

General Tax-Saving Moves for Retirement Savers Before the Tax Deadline

The tax deadline is quickly approaching, but retirees and retirement savers still have time to take advantage of deductions and tax-saving opportunities.

February 13, 2025

Tax-Efficient Withdrawal Strategies for Retirement Income

Strategic withdrawals may help reduce your tax burden, preserve retirement savings, and support sustainable income throughout retirement.

February 13, 2025

The Tax Deductions and Credits Available to Retirees in Arizona

The U.S. and Arizona tax codes are extraordinarily complex, with hundreds of potential deductions and credits available to taxpayers. Which strategies will be

February 12, 2025

Preparing Required Documents for Filing Taxes and Avoiding Common Mistakes

Preparing Required Documents for Filing Taxes and Avoiding Common Mistakes

January 22, 2025

Setting Meaningful Financial Resolutions for the New Year

New Year’s resolutions don’t have to focus solely on physical health and wellness. Gaining a better handle on your current financial situation and charting a

January 17, 2025

Reviewing Retirement Income Plans and Budgeting Strategies

Performing periodic reviews of retirement income plans and budgeting strategies is beneficial for most retirees and savers nearing retirement.

January 16, 2025

Updating Your Investment Portfolio to Align with Retirement Goals

Whether you’re a current retiree or a saver nearing retirement age, the beginning of a new year may present the ideal opportunity to analyze your portfolio

October 26, 2024

Challenges Faced by Family Businesses and Closely Held Enterprises in Transitioning Ownership and Management to the Next Generation

Owners of family-founded and family-run businesses in Arizona face a variety of challenges while building and growing their business. Remaining competitive,

October 25, 2024

Optimizing Tax Strategies for High-Net-Worth Individuals

Federal and Arizona State tax law is complex, with a diverse variety of deductions and credits that taxpayers of different types can potentially leverage to

October 24, 2024

Planning for Long-Term Care During Retirement

It can be tempting for savers to get caught up in the monetary value of their savings while failing to fully account for individual aspects of their

September 20, 2024

Understanding Healthcare Costs in Retirement and How to Manage Them

If you haven’t consulted with a financial advisor about healthcare costs in retirement, you may benefit from a discussion with the team at Fullerton

September 19, 2024

How to Create a Comprehensive Plan for Longevity and Healthcare Costs

Longevity is an essential variable in any retirement planning calculation. It’s also one of the most difficult figures to accurately predict. Like with

September 19, 2024

Managing Healthcare Costs: A Key Component of Retirement Success

There’s no one-size-fits-all solution to managing healthcare costs in retirement. Retirement savers and current retirees may be able to shield themselves from

September 19, 2024

What You Need to Know About Long-Term Care Costs

Long-term care planning is an indispensable aspect of retirement planning. According to the U.S. Department of Health and Human Services, most adults turning 65 today will need some form of long-term care.

September 3, 2024

Strategies for Retirees Focused on Lifetime Income

Although there are many potential options for earning a steady income stream in retirement, very few of them are truly guaranteed. Many retirement savings

August 29, 2024

Tax-Efficient Retirement Planning

Determining a baseline for retirement savings in the United States is difficult due in large part to the nation’s diversity. A host of variables, from age and

August 28, 2024

Retirement Savings Difficulties Facing Women

The United States is home to nearly 170 million women, with about 3.5 million of them living in Arizona. Not every woman will face identical retirement

August 28, 2024

Maintaining Adequate Liquidity to Cover Unexpected Needs and a Sustainable Spending Rate in Retirement

There are many potential strategies retirees can utilize to safeguard their retirement savings while also maintaining an adequately liquid fund to cover

June 22, 2024

What Is an Asset Protection Trust?

Asset protection trusts, which are usually irrevocable trusts, can be used to protect assets from creditors and legal judgments. The irrevocability is often

June 18, 2024

Is Your 401(k) Protected in Bankruptcy?

Yes, the Employee Retirement Income Security Act (ERISA) protects 401(k)s from creditors after a bankruptcy. One of the provisions of the Act

May 25, 2024

How to Reduce My Taxes and Get More From My Tax Deductions

The vast majority of income tax filers in the United States, regardless of their age, would prefer to reduce their tax burden. How you can go about

May 23, 2024

Calculating Taxes on Social Security Benefits

While some aspects of life become simpler in retirement, taxes are not necessarily one of them. Determining whether you owe income tax on your Social Security

April 19, 2024

Why Is Social Security Taxed Twice?

It’s not exactly accurate to say Social Security is taxed twice, but it can certainly feel that way. This is often attributable to people seeing Social

April 19, 2024

Is Social Security Considered Retirement Income for Tax Purposes?

Yes, Social Security is taxed as income for retirees, if the retiree’s combined income meets the minimum requirements. Combined income is your adjusted gross

March 27, 2024

Tax Brackets for 2023–2024

Post-pandemic inflation had more of an impact on tax policy than some people may realize. The IRS did make some adjustments to avoid bracket creep, or the

March 16, 2024

What Should I Do With an Unexpected Refund From the IRS?

There are a variety of reasons an Arizona taxpayer may receive a higher state or federal income tax refund than they expected:

February 22, 2024

Which Assets Should or Should Not Be in a Trust?

The list depends on the account or property type as well as the attributes of your trusts and estate. Some assets and financial accounts of value are designed

November 22, 2023

Investment Sectors to Watch in 2024

Which sectors may be a good fit for your investment dollars in 2024 will be highly dependent on who you ask and how the year progresses. If you have questions about

November 22, 2023

Why You Should Look at Optimizing Your Portfolio for 2024

As we approach a potential economic slowdown, adopting a more defensive portfolio position may be advisable for some investors. This could mean favoring

November 20, 2023

Can I Keep My Current Doctor When I Transition to Medicare?

The transition from private or employer-provided health insurance to Medicare is a pivotal juncture for people nearing or entering retirement. Many older

November 13, 2023

What Is Not Covered by Medicare?

There are four different Medicare “Parts,” each of which offers different types of coverage. Medicare Part D only covers prescription medications

October 22, 2023

What Are the Differences Between Medicaid and Medicare?

Both Medicaid and Medicare were established on a federal level through the Social Security Amendments of 1965, which were initially signed into law by

September 17, 2023

Who Is Usually Eligible for Medicare?

Most U.S. citizens become eligible for Medicare when they turn 65. They are typically automatically enrolled in Medicare Part A once they begin receiving

September 17, 2023

What Exactly Is Medicare?

Although nationalized health insurance was initially proposed as far back as 1945 (by then president Harry Truman), it wasn’t until 20 years later that

August 15, 2023

Am I Allowed to Have Other Insurance While on Medicare?

Yes, but for the most part seniors who are eligible for Medicare can find comprehensive and competitively priced health insurance within the Medicare

August 14, 2023

Teaching Kids About Debt: Understanding Borrowing and Interest Rates

One of the most valuable gifts you can give to your children costs you nothing but your time and guidance: financial literacy. Explaining things like debt,

August 10, 2023

Trusts and Other Tools You Can Use to Protect Your Family’s Wealth

There are many Phoenix-area workers and soon-to-be-retirees who understand the often precarious nature of generational wealth. If you’re experiencing restless

July 8, 2023

How Annuities Fit Into Your Retirement Savings Plan

One of the few nearly universal desires held by a vast majority of Americans is to enjoy a worry-free retirement. Annuities are a unique long-term investment

June 11, 2023

Alternative Investment Vehicles for Phoenix Retirement Savers

Many investors, especially in times of uncertainty, rapid societal and financial change and inflation, seek out new or non-traditional avenues to grow or

June 4, 2023

The Five Asset Classes of Investment

Nearly all investments fall into one of five broad asset class categories:

May 20, 2023

Investing Habits for Success: Strategies for Building Long-Term Wealth

There is no one-size-fits-all perfect retirement investment strategy. Although the destination of a stable, comfortable and worry-free retirement is

May 6, 2023

Strategies to Avoid Unwanted Debts

Even the most financially stable households frequently struggle with debt, often because of life factors that are entirely out of their control or necessity.

April 13, 2023

Eight Steps to Prioritize Your Finances as You Head Toward Retirement

Virtually every aspect of investment management or retirement planning can be debated. One of the few truths on which there is no debate is that choosing the

April 9, 2023

What Does Diversifying Your Retirement Portfolio Mean For Your Retirement Plans?

Diversifying your retirement portfolio means spreading your investments across a variety of different asset classes, industries and geographical regions. For

March 25, 2023

What Is the Great Wealth Transfer?

The oldest members of the Baby Boomer generation, Americans born between 1946 and 1964, are in their mid-70s. The youngest Baby Boomers are approaching 60.

March 18, 2023

Do You Need a Financial Planner or a Retirement Planner?

When it comes to planning for your financial future, you can work with a variety of professionals. Two of the most common are financial planners and

March 11, 2023

How to Start Planning for Healthcare Costs in Retirement

As we age, healthcare becomes increasingly important. Getting older means that some of our “original parts” start to wear out and need servicing or

March 4, 2023

Retirement Planning for Small Business Owners: Five Planning Strategies for the Future

As a small business owner, it's important to plan for your retirement. Without the safety net of a corporate pension plan or, in some cases, an

February 28, 2023

How Can a Divorce Impact Your Finances and Your Credit?

Divorce does not have a direct impact on your credit score. The state or your lawyers don’t report your divorce proceedings to any of the credit rating

February 20, 2023

Everything the Younger Generation Should Know Before Starting a 401(k)

From a young person’s perspective, the ideal 401(k) strategy is usually to start as early as possible and maximize employer match if it’s available. Compound

February 13, 2023

Can Delaying Your Retirement Actually Benefit You?

Potentially yes, in two important ways. First, the extra income you earn during those final working years can go toward savings and help sustain you in

February 6, 2023

What Is an ETF and How Can They Help or Hurt Your Portfolio?

An Exchanged-Traded Fund (ETF) is essentially a bundle of stocks traded under a single fund, similar in many ways to a mutual fund. Funds often track a

January 27, 2023

How Do I Claim Gambling Winnings and Losses on My Taxes?

All gambling winnings are technically considered taxable income, but you’ll only automatically be provided with a Form W2-G (or 1099-MISC) if you

January 23, 2023

How Prepared Are You for Retirement?

Planning for a successful and fulfilling retirement isn’t easy. In addition to establishing predictable and adequate income for the next several decades, you

January 20, 2023

Ways to Maximize Your Tax Savings When Approaching and In Retirement

Universal advice about maximizing tax savings in retirement is hard to come by because every retirement saver and retiree’s situation is different.

January 16, 2023

Empowering Women in Retirement

The United States has made some huge strides toward equality in the past several decades, but women still face unique challenges when it comes to retirement.

January 13, 2023

Tax Guides for Phoenix Retirees

If you’re a retiree, your income may be largely or entirely derived from specific retirement savings tools you invested in during your working years. Common

January 9, 2023

What, When, Who and How? The Social Security Decision

Have you and your spouse discussed when you’ll begin claiming your Social Security benefits? Do you know how much SSI you’ll receive each month and the

January 6, 2023

Checklists for Tax Day

The basic steps for preparing taxes ahead of Tax Day, whether you’re still working or retired, should include:

November 26, 2022

What Are the Different Stock Exchanges in the US?

The two biggest exchanges for trading equities in the United States are the New York Stock Exchange (NYSE) and the National Association of Securities Dealers

November 19, 2022

Give the Greatest Gift to Your Family by Establishing an Estate Plan

Are you an adult with a checking account? Congratulations, you have an “estate.” One of the most common misconceptions about estate planning pertains to who

November 12, 2022

Eight Retirement Mistakes to Avoid

Saving for retirement is one of those tasks that is simple to do yet difficult to master. Choosing automatic contributions in an employer-sponsored retirement

November 12, 2022

Three Pillars of a Successful Retirement

The retirement planners at Fullerton Financial Planning believe there are three separate pillars that are vital to a stable, long-lasting retirement plan.

November 5, 2022

Products to Leverage for a Successful Retirement

Traditional retirement savings products fall into one of four categories: annuities, investments, retirement accounts and life insurance. Each type generates

October 28, 2022

Traditional 401(k) Allocation Options

If you’re eligible to save in your employer’s 401(k) plan, you might have questions about your allocation options. While 401(k)s are significantly simpler

October 21, 2022

What Does It Mean to be a Beneficiary?

A beneficiary is the person who is chosen to receive the proceeds of a trust, will or insurance policy. These legal documents or contracts will name one or

October 14, 2022

Should You Use Your Employer Sponsored Retirement Savings Plan?

If you’re a current retirement saver or you’re starting to look at your options, you may have seen articles about the ongoing debate between self-directed

October 7, 2022

Three Reasons to get a Second Opinion on Your Retirement Planning

There’s a misconception that financial advisors and investment managers are primarily there to help unsophisticated retirement savers who haven’t spent a lot

September 17, 2022

What Kinds of Stocks Are Known for Paying Dividends

When investors or advisors refer to dividend stocks, they’re usually referring to specific companies and shares that regularly pass a significant percentage

September 10, 2022

What Is Futures Trading?

Contract agreements and commodity deliveries for a specific date can be bought and sold on special auction markets known as futures markets. These “futures”

September 3, 2022

What Is a Stock Buyback or a Stock Split?

Many publicly traded companies initiate stock splits or buybacks based on the market and the performance of their company’s stock. Investors who currently

August 26, 2022

How Envisioning Your Retirement Helps With Creating a Plan

What do you want from your retirement? The answer to that question should play a significant role in guiding your retirement savings decisions.

August 15, 2022

How to Build Wealth After Retirement

Your nest egg doesn’t stop growing the second you stop working and making contributions to your 401(k) or IRA. Your wealth can continue to grow if your

August 5, 2022

How to Protect Your Assets From Inflation

Investments with valuations that tend to track rising consumer costs may help offset the impact of inflation on your savings, though no strategy can eliminate inflation or market risk.

July 29, 2022

Misconceptions About Annuities

This can be a complicated issue for some investors, but as with all things in retirement planning, your choices should primarily be dictated by your needs and

July 22, 2022

What Are the Four Primary Types of Annuities?

There are many different types of annuities, but most fall under the umbrella of one of four primary categories:

July 15, 2022

Ages 35, 50 and 65: How Much Should I Have Saved?

Determining how much you should have saved for retirement at different points of your life can be difficult due to income fluctuations and the inherent

July 15, 2022

What’s the Difference Between Life Insurance and Annuities?

Although annuities may be one part of a comprehensive retirement savings and estate plan, they’re not primarily intended to function as an alternative to life

July 8, 2022

What Are Annuities and How Do They Work?

Annuities are unique retirement savings tools. The basic goal of an annuity is not all that different from other retirement savings options like a 401(k) or

June 25, 2022

Why the SBA and SBIC are Important for Small Businesses

According to the Arizona Commerce Authority (ACA), there are more than 550,000 local small businesses in the state. They employ 44.5 percent of Arizona’s

June 18, 2022

Weighing the Pros and Cons of Revocable vs Irrevocable Trusts

A key aspect of estate planning is your trust. How you decide to structure it can make all the difference. A trust allows a third party (a trustee) to manage

June 11, 2022

The Benefits of an LLC and How One Can Impact Business Finances

When starting a new business, one of the first question that might arise, “What is an LLC, and do I need one?” A limited liability company (LLC) is one of the

June 4, 2022

Why You’re Never Too Young to Start Thinking About Estate Planning

Estate planning can help you organize and protect your finances and personal assets for the future. It allows you to feel comfortable about what would happen

May 20, 2022

What Are the Benefits of a 529 Account?

A 529 plan lets you invest post-tax dollars into an investment account where it can grow and be withdrawn for education expenses without paying taxes on the

May 13, 2022

What Are Differences Between Equity Trading and Bond Trading?

Equities and bonds can both be traded in essentially the same way, but ownership of each entitles investors to do different things. A bond is a loan that you

May 6, 2022

Spending Habits to Retire as a Millionaire

Even without a six-figure income, starting early, taking full advantage of an employer match, and keeping spending in check may help you build substantial retirement savings.

May 1, 2022

Is a Roth IRA or a Traditional IRA Better?

The best retirement savings account for you is highly dependent on your unique situation. Certain people may be better served by one option based on their

May 1, 2022

The Comparative Tax Advantages of Growth Stocks and Dividend Stocks

At a very superficial level, growth stocks have greater tax advantages than dividend stocks in that you only pay capital gains tax once you sell the stock.

April 23, 2022

What Is Tactical Asset Allocation and How Does It Help Your Investment Strategy?

Tactical asset allocation (TAA) is the act of balancing a portfolio’s mix of stocks, bonds and cash to pursue returns appropriate to a particular risk tolerance.

April 16, 2022

Sports Betting Is Now Legal in Arizona. Do You Have to Pay Taxes on Gambling Winnings?

Yes, gambling winnings are considered taxable income. This applies to all types of gambling winnings, including sports betting, casino gambling, betting on

April 9, 2022

What Is an NFT and Are They Good for Your Investments?

A non-fungible token (NFT) is a unique unit of data that’s stored on a block chain. Ownership of this data unit can be bought and sold. NFTs are cryptographic

April 2, 2022

What's The Difference Between a Bull Market and a Bear Market?

A bull market is a period of sustained growth, and a bear market is a period of sustained price decline. The specific rubric by which investors and financial

March 25, 2022

When Is the Right Age to Begin Investing in Your Future?

Young people should start investing for their future as soon as possible–most likely when they get their first real job. Students working for spending money

March 19, 2022

How To Keep A College Student On Budget

March 11, 2022

Bonds… Financial Bonds. What Are They and How Can You Utilize Them?

Buying a bond is like issuing a loan to a government or corporation. The bond is an agreement to pay you back a specific amount at a specific date and pay you

March 4, 2022

Can I Get a Credit Card and Build Credit if My Score Is Low?

Yes–and a credit card is one of the easiest and most affordable ways to build good credit for a couple fundamental reasons:

February 28, 2022

How to Teach Your Children to Be Financially Responsible From an Early Age

Most parents today recognize how different childhood is in the 2020s compared to childhood when they were growing up. Our ubiquitous connection to the

February 21, 2022

Is There a Way to Negotiate Lower Interest Rates With Creditors?

It depends on the context, your existing credit history and what rates competing lenders are willing to offer you based on your perceived credit risk.

February 14, 2022

Understanding 401k and the Affects It Has on Your Financial Future

A 401(k) is a retirement savings plan facilitated by an employer and managed by a third-party financial institution. Employees choose what percentage of their

February 4, 2022

How to Financially Prepare for a Baby

Raising children is a massive expense for most young adults. Current estimates of the cost of raising a child to the age of 18 is roughly $270,000. Luckily,

January 31, 2022

What Is the Right Age to Begin Investing in Your Future?

It’s never too early or too late to begin investing, but the sooner you start, the more time you will have to take advantage of compound interest and asset

January 24, 2022

How to Build Wealth

January 22, 2022

It’s Tax Season! Do Taxes Affect Your Financial Portfolio?

How investments affect your taxes depends on the types of investments you have and what you did with them during the previous tax year. The funds and

January 17, 2022

Should Bitcoin Be in Your Retirement Portfolio?

Bitcoin is the latest craze in the world of online trading and investment strategies. Some people have been turning to Bitcoin to invest for retirement or

January 14, 2022

Monthly Budgeting: Practical Budget Cutting That Helps You Save Money

Cutting costs during your runup to retirement or during retirement isn’t an exercise reserved solely for people who haven’t adequately saved. Even if you have

January 10, 2022

Is It Possible Copper Will Be More Important for the Future Than Precious Metals?

The growing demand for copper is elevating this red-orange metal to new heights. But why exactly is copper gaining so much importance in industrial

January 7, 2022

Financial Tips and Tricks to Use When Buying a House or Signing a Mortgage

Tips for homebuyers fall into a variety of categories. The advice a young, first-time homebuyer needs might not be relevant to an older homebuyer who is

January 2, 2022

Deciding Who Should Inherit Your Wealth When You Die

Bequeathment isn’t always simple. Depending on your life and the things and people you care about, you might be forced to make some hard decisions. Divorces,

November 27, 2021

How Do Higher Interest Rates Impact Your Portfolio’s Growth?

Interest rates and investments have a complicated relationship. The value of fixed-interest bonds usually decrease when interest rates rise, while the value

November 20, 2021

What Happens to My Stocks and Bonds When I Die?

What happens to your stocks and bonds after your death depends on the provisions you’ve established. If there’s a joint owner of your investment assets, the

November 13, 2021

Why Is America’s Stock Exposure at Historic Highs?

According to the Federal Reserve’s Survey of Consumer Finances, more than half of U.S. households own stock directly or through retirement accounts.

November 11, 2021

What Are the Differences Between Stocks and Bonds?

Stocks, or equities, are little slivers of a company. When you buy a stock, you’re technically become a part owner in that business. As the valuation of the

November 10, 2021

Most Popular Wealth Storage Methods

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November 6, 2021

Is Gold Still a Reliable Strategic Asset for Your Portfolio?

Gold can be a divisive topic when it comes to asset discussions. Some would argue gold is an ideal inflation-adjusted asset since its price movements have

October 29, 2021

The Path to a Net-Zero Economy

Scientists attribute extreme weather events all over the world to a global warming trend. Since the late 19th century, the average

October 16, 2021

Should You Retire with High-Yield Dividend Equities in Your Portfolio?

Can you live off dividends in retirement? That really depends on the scale of your dividends and the lifestyle you’re attempting to maintain. There are

October 15, 2021

5 Blind Spots You May Be Missing in Retirement

You’re probably familiar with blind spots when driving. You might be trying to change lanes and then you hear a loud horn and realize there’s a car right

October 15, 2021

What’s the Difference Between a Traditional IRA, Roth IRA and Rollover IRA?

Most savers are contributing pre-tax dollars to their traditional IRA. A Roth IRA lets you contribute post-tax dollars. A person who leaves their job can roll

September 22, 2021

Preparing for Retirement in the Next 10 Years

Planning for retirement is a lot like a race. And, if you’re a fan of motorsports, you know the final lap can sometimes be the most critical. Races have

September 7, 2021

Budgeting in Retirement

We often talk on this blog about the risk of outliving your retirement savings given that so many people today live long, healthy retirement. If you’re

July 20, 2021

What’s the point of an annuity?

If your retirement is right around the corner, you probably have some questions centered around not only what it will look like physically, but also fiscally.

July 9, 2021

Using Life Insurance to Fund your Retirement

Typically, when we think of insurance, we think of expenses. After all, insurance coverage-- such as home, auto, and health-- takes money out of our

June 15, 2021

3 Things Women Near Retirement Need to Hear

When you envision your dream retirement, you’ll most likely fantasize about traveling the world, curling up with a good book, and swapping out your “pressing

June 1, 2021

3 Ways to Plan for the Unexpected in Retirement

When you give up the nine-to-five, each day can feel unpredictable compared to the last. For what feels like the first time in your life, the trajectory of

May 16, 2021

Millionaire Habits - Retiring Debt Free

By definition, debt is something (typically money) borrowed from one party to another, with the condition that it will be paid back at a later date, usually

May 1, 2021

Self-Made Millionaire Habits - Investing in Yourself

Retiring a millionaire doesn’t happen overnight-- unless you’re one of the scarce few who invested in the notoriously famous

April 17, 2021

Why Determining Your Risk Tolerance Can Mean a Brighter Financial Future

When your financial goals are aligned, you’re better able to determine how much you’re willing to risk and how you’ll recover if it all goes south.

March 28, 2021

4 Types of Investment Vehicles for a Better Retirement Plan

When you dig into investing for your retirement plan, you will come across terms like “vehicle” and “instrument” used in new and potentially baffling ways. If

March 15, 2021

Estate Planning 101: Why Estate Plans Matter

our primary goal throughout your working years is to support yourself, your family, and to create a lifestyle that also leaves a legacy. So, how is it that

March 6, 2021

Estate Planning 101: The Basics

Estate planning can be an overwhelming process. It’s rife with deeply personal issues and designations that can be uncomfortable at best, and wildly divisive

February 19, 2021

Who Do I Talk to About Taxes?

At Fullerton Financial Planning, we’re all about living and retiring with confidence. In fact, retiring with confidence was our main objective when

February 4, 2021

Avoid Losing Your Retirement to Taxes

We all want to enjoy every aspect of retirement. From giving up the nine-to-five, to traveling, enjoying time with family, and spending more quality time in

January 27, 2021

Love Your Kids, but Be Loyal to Your Retirement

As a parent, you may find yourself routinely bombarded with well-intentioned advice, but likely none of it is related to how to maintain and build your

January 22, 2021

Up Your Investment Strategy by Setting Retirement Goals that Work

In a recent survey, Richard Barringon, MoneyRates’ senior financial analyst found that 61% of us have vowed to save more and spend less in

January 11, 2021

8 Ways Couples Can Plan for Retirement Together

Of all the things people fear most in retirement, running out of money is routinely high on the list. Other common anxieties include stock

November 18, 2020

6 Factors Will Decide How Much You Need to Save for Retirement

Financial longevity is of particular concern for both baby boomers, who are currently retiring at exponential rates (28.6 million in the third quarter of

November 4, 2020

4 Reasons You Should Be Working with a Financial Advisor Right Now

Going at it alone when it comes to your financial goals can be costly. You may not even realize just how costly it is until you’re reviewing your finances in

October 12, 2020

Income Ideas for Retiring Early

Before COVID-19 came along, people over age 55 represented 25% of the American workforce. There were more workers over age 55 than under age 30. In

October 5, 2020

Will You Be Able To Afford In-Home, Long-Term Care?

AARP surveys have consistently found that most of America’s older adults prefer to “age in place” in their own homes rather than in a senior housing community or facility.

August 21, 2020

Why You Should Consider Life Insurance and When You Should Get It

If you have people in your life who rely on you, or loved ones you want to help provide for should anything happen to you, life insurance is a