Creative Financial Solutions

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Just go to my website and click "SET AN APPOINTMENT" on the upper right-hand side in ORANGE!
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https://creativefinancialsolutions-mi.com/

Women statistically live longer than men do, and are the beneficiaries of life insurance 70% of the time. Women also now are the breadwinner of their home over 50% of the time, so why do less than half of working women have a policy?

This article from talks about the importance of life insurance for women and the ten big things all women should know about having a life insurance policy.

Check the article out here:

https://www.forbes.com/advisor/life-insurance/what-women-should-know/?fbclid=IwAR1dY5Gz8DvInOAfZv01775CQEapP5dGPS68FrZBDgYmjDa0uC74kL4c5Hs

10 Things Women Need To Know About Life Insurance Women: It’s time for you to close the gender gap in life insurance ownership. Just 47% of women have life insurance coverage versus 58% of men, according to the 2021 Insurance Barometer Study by Life Happens and LIMRA, insurance industry groups. Yet women are just as likely to need life insurance ...

A study from 2019 showed that the most important thing retirees wanted from their was to safely spend in retirement. That's the importance of not only having a paycheck in retirement, but also a PLAYcheck!

Having guaranteed lifetime income from an is a great way to ensure that you have enough money to comfortably spend your wealth in retirement.

I've said it before and I'll keep saying it: if you don't plan your estate, the State will plan it for you!
Planning your estate is an important part of a plan, and that includes protecting your loved ones against estate taxes after you're gone.
This from Financial Advisor Magazine discusses some great ways to protect your estate against taxes. Give it a read here:

https://www.fa-mag.com/news/how-trusts-can-be-used-to-counter-tougher-estate-taxes-61555.html?fbclid=IwAR1Crvi7qrlKOmWf2I9qInD1z8OvfvMF4W2qlU6DjsNcXL_3njloTeK-X2Y

How Trusts Can Be Used To Counter Tougher Estate Taxes Advisors are expecting the Biden administration to possibly lower the estate tax exemption.

I always aim to provide a better understanding of how life insurance and can work in specific situations. Here's another great real-life example!This from Kiplinger features the case of a man named Jim who takes out a whole life insurance policy to increase his retirement income. Check it out here:

Want More Tax-Free Retirement Income? One Man’s Whole Life Decision | Kiplinger Whole life insurance might not be something that’s on your retirement planning radar, but for this client, here’s how it served his need to control taxes, allow for income and provide a death benefit to his daughters.

HEADS UP:

More stimulus checks are on the way through direct deposit and the mail.

The Internal Revenue Service and U.S. Treasury said Monday that the next batch of Economic Impact Payments will be issued this week with many coming as paper checks or prepaid debit cards. Some direct deposits began processing Friday with an official pay date of Wednesday, March 24.

Additional payments are expected to be released on a weekly basis going forward, the IRS said in a news release.“The IRS continues to send the third round of stimulus payments in record time,” IRS Commissioner Chuck Rettig said in a statement. “Since this new set of payments will include more mailed payments, we urge people to carefully watch their mail for a check or debit card in the coming weeks.”

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How a Payroll Tax Cut Could Affect Your Finances, Now and Later
Is this deferment best for everyone?

How a Payroll Tax Cut Could Affect Your Finances, Now and Later Is this deferment best for everyone?

How to avoid a tax audit:

14 Ways to Avoid a Tax Audit Stay within IRS guidelines to avoid being audited.

Using a 401(k) to Pay Off Student Loans "Paying for student loans can feel overwhelming, especially if you're dealing with high payments or living paycheck to paycheck," says Leslie H. Tayne, a financial attorney and founder of Tayne Law Group in New York. "Taking out money from your 401(k) to pay off your student loans can be tempting, e...