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Long-Term Care: What You Need to Know

Long-Term Care: What You Need to Know

There are many misconceptions and misunderstandings about long-term care (LTC), including who needs it and how to pay for it. It’s essential to break down the main components of long-term care insurance to find what is right for you.

 

What does long-term care mean?

If you’re already on Medicare or researching it, you know that Part A covers in-patient hospitalizations and skilled nursing. You might be wondering why people buy policies to cover LTC if Medicare already pays for it.

But Medicare does not pay for LTC, which is not skilled nursing. It’s home help for someone who can’t perform several of the Activities of Daily Living (ADLs) for themselves: toileting, transferring (for example, from bed to chair), dressing, bathing, feeding, and walking or ambulating. You might also see these referred to as the Basic Activities of Daily Living or BADLs.

Patients can receive LTC in a facility such as a nursing home or their own homes.

 

Why should I consider setting aside funds to cover long-term care?

According to the US Department of Health and Human Services, if you’re approximately retirement age now, you have a 70% chance of needing some LTC. About 1 in 5 of those who will end up receiving long-term care will need it for more than five years.

Depending on how long you need it, the expenses quickly add up. LTC’s costs range from $3,600 per month for someone who is mostly independent in a facility to about $7,700 in a nursing home. 

Home health care aides cost approximately $21 per hour on average. The average American who needs this help during the day would spend roughly $5,000 a month. Whether in a facility or at home, typically, women need care for a more extended period than men do.

It costs a little bit more than average here in California to receive LTC in a facility. The median cost for help with assisted living is about $4,500 and goes up to over $10,600 in a nursing home.

Some families are willing to self-insure or pay out of pocket should they ever need this kind of assistance. Family members can also provide care, which reduces the cost as well.

However, some people would prefer to be independent for as long as possible. They’d rather hire someone outside the family to help them go to the bathroom or get dressed.

Those who choose to hire for this type of care often want to set aside funds for this purpose. They don’t want to be a burden on their loved ones. 

 

Long-term care insurance (LTCI)

These policies pay a certain amount for a specified period if a doctor diagnoses the insured as unable to perform two or three ADLs, depending on the policy. 

Unlike life insurance, there is no medical exam for LTCI. However, the companies use questionnaires, and you may respond with answers that disqualify you. For example, they will typically reject people who are already showing symptoms of cognitive issues such as Alzheimer’s and dementia.

Although LTCI has been around here in the US since the 1970s, Americans started to purchase them in the 1980s. The insurers at that time made two significant errors in their pricing.

They didn’t know how fast the cost of health care would accelerate (faster than CPI inflation) and didn’t realize how much longer people would live. These factors led to substantial underpricing on the policies, and in some cases, the insurers even refused to pay for legitimate claims.

As a result, fewer insurance companies are in the market for LTCI today. However, policies still are being sold.

The contracts usually stipulate limits on lifetime benefits paid out, the monthly maximum, and potentially a deductible. They also offer inflation riders for additional fees. Most policies today don’t discriminate between facility or in-home care. 

 

Ways to purchase LTCI

The original policies were usually use-it-or-lose-it. If you paid for the policy and never required the care, you couldn’t get a refund. Though so much of the population is likely to need it these days, it might not be such an issue for potential buyers. 

Anecdotally the “sweet spot” for purchasing such a policy was around 55 years old. You wouldn’t have too many years of payments if it turned out you didn’t need it, and you were still young enough that some of the disqualifying medical conditions probably hadn’t appeared.

These contracts are still available, though their popularity has dropped sharply. Premiums can undergo rate hikes at any time in the future. 

The insurance company can’t increase the amount you pay just on your policy, but it can raise the premiums on the entire class of people who purchased the same insurance as you. They now have other premium payment options, so you don’t continue to pay for life. 

Rather than take a use-it-or-lose-it policy with the potential for future premium hikes, some LTCI users purchase a hybrid product. These can be life insurance or annuity products that also allow you to use the money for long-term care.

In the hybrid with life insurance contracts, typically, the cost of whatever care you use is deducted from the face amount that’s payable at death. Different companies offer different ways to structure the policy.

When you combine LTCI with an annuity, you usually need to purchase the annuity with a lump sum. There are no premiums for the LTCI, and what you’ll receive is based on how your insurer sets up your contract.

Although the hybrid products are often more expensive than a plain-vanilla life insurance or annuity policy, they can be a good alternative. Especially for someone who suspects they may need the care but is not interested in a stand-alone policy they might not use.

No matter what type of long-term care insurance you buy, make sure that you understand what triggers a claim and what the policy promises to pay. 

If you’re considering LTCI, make sure you check with your company, associations, and groups. Some offer group LTCI plans with relatively attractive premiums.

 

If you want help determining whether you need to buy some LTCI, give us a call at 619.255.9554 or email us to set up an appointment.

 

Key Financial Tips for Aspiring Entrepreneurs

Key Financial Tips for Aspiring Entrepreneurs

Many Americans retire from the office job that they held for several years and decide to go into business for themselves, becoming mid life entrepreneurs. Others don’t wait to retire but leave the corporate world to launch. Of course, some people never work for others but engage in entrepreneurship from the very beginning. 

The world of having your own business is quite different from the corporate environment. There are a few things to remember about business finance and personal finance when you leave your regular employer to hang out your shingle.

In honor of National Entrepreneur’s Day, we’re providing this checklist to assist new business owners. It’s an overview to help ensure that your finances stay on track even through the risky business of owning your own business.

 

Personal Finance

 

Don’t forget about retirement

Sometimes new entrepreneurs need to tap into their retirement accounts to get their idea off the ground. Or you may assume that you’ll eventually sell your business and fund your later years with the sale.

But the power of investing for retirement lies in the compounding of your annual returns. The longer your money has to grow, the less you need to save. If you get too close to retirement age without having saved enough, you’ll need to come up with a lot more money than if you had started earlier.

Fortunately, there are plenty of employer retirement plans available for business owners, whether you’re a solopreneur or you plan to gather a team. Start socking it away as soon as possible so you can allow the power of compounding to do its work for you.

 

Emergency fund

Your back up fund is especially helpful when you’re launching a business so that if anything goes wrong in your personal life, you have money to keep you going. No one wants to load up their credit cards unnecessarily. Give yourself some peace of mind by having this cushion in place before you launch.

 

Insurance

If you have significant assets like a house or brokerage account, you’ll want to form a business entity for your company. That way, creditors can’t pierce the corporate veil to take your assets to pay off business liabilities. You need to follow the rules of whatever entity you choose to stand as a corporation against unexpected legal confrontations. As an entrepreneur you might take risk with your ideas and creativity, but not with your ownership.

Protecting your assets through a corporate structure is one form of insurance. Naturally, the other is actual insurance products from the relevant companies: umbrella, vehicle, homeowner’s, and life. You might also want to consider long-term care and disability insurance, depending on your situation.

 

Review for leakage and unnecessary expenses

Regularly sit down with your spouse (if you’re married) and review your expenses. Are you currently paying for subscriptions that you no longer use? Have costs crept up in any particular area? 

Your household should also review your investments regularly and make sure that you’re not spending extra on taxes or unnecessary fees.

 

Business Finance

 

The mindset that time is money

When you’re in a corporate job, it’s easy to spend whatever time you need to get the work done and not think about it too much. But when you’re running your own business, you need to account for the time the same way you account for money.

Every hour that you’re working should have a purpose and the same for your staff. You may only need a part-time assistant and not a full-time one, for example.

It would help if you had a reasonable estimate for what an hour of your time costs. That can help you decide where to prioritize your efforts. If your hour is worth $200, should you use it to work on a task that only costs $50? 

That also tells you which clients to go after with your marketing budget: only the ones that can afford your $200/hour services.

 

Measure the right numbers

When it comes to businesses, too many owners focus on vanity metrics such as revenue. Or base their marketing efforts on social media on “likes” or how many followers their account has.

The business should be making money for you at a certain point, which doesn’t necessarily happen in the first year. That means that you should think of your bottom line as the most critical metric. What profit is your company bringing in? 

What clients are your marketing efforts bringing in? Likes, follows, and the number of followers generally have nothing to do with your bottom line either. Engagement is the name of the game on social media, and visitors to your page or store are what counts in advertising.

If you’re not on top of what social media channels and metrics you should be following, be careful about whom you ask to help you. Make sure they understand that marketing is not about the superficial indicators but how many people are coming to your business to convert into customers.

 

Insurance

Not all businesses require business insurance. It depends on the field you’re in and what you’re doing. For example, financial firms usually need at least E&O (errors and omissions) coverage. If you’re not sure, ask the people doing similar work what they have.

Or look at what your potential clients might require. If not everyone in your industry has E&O, for example, but the larger clients all need it, you should probably get coverage too. It is an added expense but may end up being well worth your while.

Launching a business is risky in itself, given that only about half of new businesses survive their 10th year. Give yourself a little peace of mind when you can.

 

Manage cash flow and expenses

As a business owner, you’ll soon learn that cash is vital. If you’re not invoicing clients quickly enough and not following up on accounts receivable, your life will be more unpleasant than it needs to be. These administrative tasks may not have been a focus for you in your corporate job, but it is incredibly important in your own firm’s early years.

Similarly, keep an eye on expenses. Starting, you should keep your fixed costs as low as possible. Don’t rent an office that you don’t need or hire staff before you need them or can afford to pay for them. 

 

Want to review your finances before you launch your business? Give us a call at 619.255.9554 or email us to set up an appointment.

 

Maximize Your Charitable Giving Strategy

Maximize Your Charitable Giving Strategy

You might recall that the Tax Cuts and Jobs Act made it much harder for Americans to get tax breaks on their charitable giving by raising the standard deduction so that fewer people have the opportunity to itemize. Of course, you want to do some good for the community with your charity dollars! But receiving the tax break is nice too.

For National Philanthropy Day, we wanted to give you some ideas for making the most of your charitable gifting this year.

 

Choosing a charity

More significant dollars make a bigger impact. In other words, if you select just five charities and give them $1,000 each, you’ll make more of an effect than if you sent $100 to 50 charities.

That may mean that you take more time to figure out where you truly want your charitable funds to go and to ensure that the organization is one that you are willing to support. Although many of our clients have a wide variety of philanthropic interests, we encourage you to choose your top two or three and plan to make a difference through them.

Many of the charity rating websites can provide you with a list of the top charities according to the issues that are most important to you.

For tax deduction purposes, your dollars need to go to an organization recognized as a charity. A 501c3 entity can show you their IRS letter granting them charitable tax exemption. You can also find them on the IRS’s lookup tool.

 

Research the charity to make sure it’s worthwhile

Verify your choices with online sites that provide ratings and information about them. Make sure that your money is going to an entity that values the same things you do.

You can ask the organizations some questions directly as well. What is their mission, and how have they made progress toward it and their goals? Do they have transparency about financials and IRS forms that are readily available on the website?

Watch for costs, primarily operating or administrative. Although not the number one consideration for choosing a charity, costs can help guide your decision. Some charities require a lot more internal support than others, and the organization must staff up to carry out the mission. 

Although the vast majority of charities that you’ll come across are healthy and dedicated to their vision, some scam artists operate in this space. 

If you get an email from an organization you’ve never heard of before, be skeptical. Most of the time, a true charity only emails you when you provided your address to them. And if they’re asking you to send money to a foreign bank or institution – forget it!

Legitimate charities usually don’t send attachments with their emails. They may have pictures that link back to the site, but clicking on an attachment can unleash a virus or other cyber issue into your computer. Delete them. If you’re concerned, you can always look up the phone number on their website and double-check.

You’ll probably see a lot of information come through your social media feeds, too. Remember those scam artists and others, including Russian intelligence, plant bots, and fake profiles. Do your homework first if you see something through social media you want to investigate.

If someone claims to be a victim through email or social media, that’s also likely a scam. You can always search for the charity’s website, look it up on an online rating site, and determine if it’s legitimate.

 

Don’t forget QCDs

The TCJA also increased the age required to take minimum distributions (sometimes called RMDs or MDRs) from your Traditional or pre-tax retirement accounts. If you’re 72, you need to begin these withdrawals.

However, you can deposit up to $100,000 of the funds at the (legitimate) charity of your choice. This option is known as the Qualified Charitable Distribution or QCD. The distribution must go directly to the charity without making a pit stop at your bank account along the way to avoid disqualification.

As you know, typically, you have to pay taxes on your RMDs. That’s the whole point of having mandated withdrawal requirements. But if you do a QCD directly to the charity instead, you won’t pay taxes on the withdrawal.

 

Bundle potential deductions

The standard deduction for married couples for the 2020 tax year is $24,800 ($12,400 for singles and married filing separately.) Since the TCJA limited the deductions you can take on items such as mortgage interest and state and local taxes, many taxpayers no longer itemize. Which means they can’t take the itemized deduction for charitable gifts.

However, if you have some unusual deductions this year that could push you over the standard deduction, you might want to accelerate them into 2020 and do some charitable giving while you’re at it. 

For example, the floor to deduct medical costs is 7.5% of your adjusted gross income. If you happen to reach it this year because you’ve had some medical issues, you might exceed the standard deduction. 

Another avenue to consider is bundling your charitable donations into one tax year to help you exceed the deduction threshold, rather than giving smaller amounts annually. If you decide to use a donor-advised fund, you could bundle several years’ worth of giving into one tax year and then portion out the money to your charities over time.

This strategy provides an excellent opportunity to make some substantial gifts and receive your tax break.

 

Contribution limits

Ordinarily, you would only be able to deduct up to 60% of your adjusted gross income for a cash donation to a qualified organization. However, those limits have been suspended for 2020. The ceiling is still in place for non-cash donations, such as stocks.

Thinking about how best to make your charitable gifts this year? We can help. Just give us a call at 619.255.9554 or email us to set up an appointment.

 

Dream. Plan. Do.

Platt Wealth Management offers financial plans to answer your important financial questions. Where are you? Where do you want to be? How can you get there? Our four-step financial planning process is designed to be a road map to get you where you want to go while providing flexibility to adapt to changes along the route. We offer stand alone plans or full wealth management plans that include our investment management services. Give us a call today to set up a complimentary review. 619-255-9554.

6 Tips for Safe Online Holiday Shopping

6 Tips for Safe Online Holiday Shopping

This year many people will be shopping online instead of going to brick and mortar stores. It’s the physically safer way to prepare for the holidays. However, given that so many people will be online, it’s a safe bet that criminals and scammers will also be out in force. 

Stay cyber safe online with these tips. 

 

Keep your online apps updated

Before you start browsing on Thanksgiving night (or whenever you begin your holiday shopping hunt), run your updated antivirus and malware protection software. Also, make sure you’ve updated to the latest version of your apps and software.

 

The latest updates typically contain protection against the most recent threats. It’s no guarantee that hackers can’t get in. Yet it does provide a better moat around your cyber fortress than the last version that didn’t have all the new updates.

 

Don’t forget to update and run protection software on all your devices, including your phone. If your laptop is completely protected, but you buy something on your phone without updating it first, what you did on your computer is irrelevant. Don’t forget your tablets and any other online devices too.

 

Build login muscle

Getting strong is not just key to your physical health – it’s essential for your cyber health too. If your passwords are common or too short or have the same password for multiple sites, you need to build up your passwords.

 

Secure password creation is especially crucial for any website with your personal information, such as banking accounts, investment sites, bookkeeping sites. If you use social media channels for business, make sure you bulk those up as well. 

 

For any highly sensitive website, whether monetary or reputation-based, you should change your password. Generate the most robust password possible.

 

For ultra-secure passwords, use a password manager. These services essentially lock all your passwords and info in a secure vault that is too difficult for hackers to access. You’ll need to remember the one (long, strong) password to get into your “vault,” and that’s it. 

 

Even with a password manager, take additional steps to keep your logins safe. Get two-factor authentication wherever possible. In addition to providing your password, you validate your login with another method. Typically this is a call, text, or email with a special code. 

 

Of course, you’ll need to make sure that the website has your correct information. If you’ve changed your phone number or email address within the past year, update the info first.

 

Connect carefully

It would help if you encrypted (or have your IT guy encrypt) your wireless connection (Wi-Fi) at home. You need to sign in with a security key or password. If you’re using the default setting that your modem or router came with, consider changing them to something of your choosing.

 

Not all public wireless access points are encrypted. Some of them are public, which is why you can access them without a password. When you look at the network in the list, you won’t see the lock symbol next to it. They’re often called “Guest” in the network name. 

 

If that’s the case, you should assume that someone will take whatever data they can while you’re on that network. Do not enter any website, especially one with a login and password, that you think might provide the opportunity for data theft. 

 

If you enter a password for a site that you don’t worry too much about, but you use that passwords for other sites you would be concerned about, you run the risk of a hacker taking that password and using it for your other accounts.

 

Rather than connect to a public network, you can use your mobile phone, depending on your plan, as a hot spot for connecting. That will also secure your communications.

 

Shopping at a particular store? Go directly to their website.

You’ll probably get a lot of sales emails and promotions in your social media feeds. But you cannot trust all of them. Remember that anyone can put up a site or send an email and make it look reasonably professional. 

 

It’s great for small business owners but is also great for hackers. They can make the email appear as though it’s coming from a friend, at least until you look closely at the email sender’s address. Years ago, many hackers didn’t write perfect English, but that is no longer the case.

 

To be on the safe side, type the store’s name directly into your Internet browser rather than clicking on links sent to your email. These emails might come from hackers with malicious intent.

 

When in doubt, delete it out. Don’t click on any link when you haven’t verified the sender.

 

If you’re considering ordering from a site you haven’t used before, check out the reviews first. If there are none of the ones that exist are mostly negative, find a different source. 

 

You could tell them, but then you’d have to kill them

Just kidding! Many online shops have lots of form fields for you to fill out. You only need to fill out the required ones, marked with an asterisk *. The other fields are often just so the business can gather more information about you. 

 

More information helps them target their marketing and sales better. But it can also be a boon to hackers if they get through the store’s security walls. If it’s not necessary for your activity, then leave it blank.

 

And if they require information that you think is inappropriate, go elsewhere. There’s no reason for an online store to request your Social Security number, for example. Keep your information to yourself.

 

Do not speed up checkout

Most websites allow you to store your credit card information online to purchase from them more easily. Yes, it’s much more convenient for you. And also for hackers. Just say no. Disable your one-click ordering.

 

Checking out as a guest is more difficult for hackers to get your credit card information should they get through the store’s online security. It also helps ensure that you’re not making impulse purchases outside your holiday budget. There’s nothing wrong with having to think before you spend!

 

If you’d like to talk to us about the security precautions we take with your information, feel free to give us a call at 619.255.9554 or email us to set up an appointment.

 

Dream. Plan. Do.

Platt Wealth Management offers financial plans to answer your important financial questions. Where are you? Where do you want to be? How can you get there? Our four-step financial planning process is designed to be a road map to get you where you want to go while providing flexibility to adapt to changes along the route. We offer stand alone plans or full wealth management plans that include our investment management services. Give us a call today to set up a complimentary review. 619-255-9554.

Save More The Smart Way

Save More The Smart Way

Many of our clients are already saving a significant portion of their incomes for retirement and other financial goals. You may already be maxing out your employee contribution and ensuring that you take full advantage of any available employer match on your 401(k).

Yet, there may be some savings ideas that you haven’t previously considered that could help you boost your plan to achieve your goals. In honor of National Savings Day, here are some additional suggestions.

Add nondeductible contributions to retirement accounts

As a reminder, some clients have access to a Roth option in their employer’s 401(k) plan, which allows them to contribute after-tax money. Others use the tax-deductible Traditional option. The limit for employee contributions to a 401(k) (or similar) account in 2020 is $19,500. There is a $6,500 “catch-up” addition for those 50 years old and over.

However, the total cap on contributions to a defined contribution plan is $57,000, including employee and employer contributions. If your plan allows, you may be able to contribute nondeductible amounts up to the limit. Not all plans will permit these additions, so check with your plan administrator.

As you know, contributions to Traditional IRAs are deductible only up to a certain income under an employer plan. Roth contributions are only permitted up to a specific income level as well. 

However, if you’re above the income limits, you can still make a nondeductible addition to your Traditional IRA. Make sure you keep track of any nondeductible contributions that you add to an IRA that already has pre-tax funds in it. Remember that the $57,000 limit applies only to employer plans. You can make an IRA contribution too.

Why would you add nondeductible funds to a retirement account? They grow tax-deferred until it’s time to withdraw the funds, so you can squeeze out a bit more tax savings by making these kinds of contributions.

Open a Health Savings Account (HSA) with your employer

 

You’ll need to be using an HSA-qualified medical plan (high deductible) to be able to open the HSA. However, if you don’t use the money you contribute in a given year, you can roll it into the next year. Many accounts will allow you to invest the money, and it grows tax-deferred.

If you make withdrawals before age 65 for nonqualified expenses, you’ll pay taxes and a 20% penalty on the amount you take out. But as long as you use the money for qualifying expenses before age 65, you can take the money penalty-free. After the age of 65, all withdrawals are penalty-free.

Open a 529 plan with yourself as owner and beneficiary

Yes, this is a legitimate way to set up a 529 account. The funds you contribute accumulate tax-deferred. If you use your account for qualified expenses, meaning you could finally take that culinary course or go to golf school, you pay no taxes or penalties on the withdrawal. Otherwise, you’ll owe them on the gains, not on the principal you contributed.

Research credit/debit card rewards

Although credit card rewards may not be as plentiful as they’ve been in years past, you may still be able to find a card where you can earn more points for the places you tend to spend the most.

For example, if you enjoy traveling, look into travel rewards cards that provide bonus points for spending on travel-related items. These often come with additional perks like free airport lounges.

If you spend on entertainment, find a card that rewards you for that. Bear in mind that many of these credit cards come with annual fees, so make sure that you will reap the rewards before taking on a high-fee card.

Shop online for high-interest savings accounts

Here’s another opportunity to squeeze out a little bit more in savings without too much effort. Many online savings accounts offer bonuses and higher interest rates to save with them. Be aware you’re not going to find any reputable bank offering 5% or more while interest rates continue to below. However, you’ll likely see some that offer a slightly better rate than what your brick-and-mortar bank is providing.

As always, make sure you’re not paying any additional fees. They may want you to agree to keep your money in the account for a certain period or require other caveats to guarantee you the higher rate. Make sure you understand what they’re asking for to get the higher rate.

Refinance when attractive

Some of you may have done this already with your mortgage! But if not, consider whether you can negotiate to reduce interest on any of your loans. Yes, it’s theoretically possible that rates could go a bit lower, but probably not significantly lower. 

If you’ve been holding off, consider what rates look like now, and determine whether you should bite the bullet.

Analyze expenses for hidden fees and anything you don’t need anymore

Many accounts in the modern world come with pages and pages of user agreements, and many people skim (or ignore) them before checking the box. However, that means that you may have unexpected fees that are affecting your bank account. They’re unlikely to be large, but even a small fee that recurs monthly for years can add up.

Periodically review your banking and credit card statements. Do all the fees make sense? You might uncover some charges that you don’t know. Investigate and determine whether they’re necessary.

Likewise, are there expenses that you no longer need? For example, if you no longer go to the gym, or have stopped reading a magazine, or got a streaming service and no longer need cable TV, eliminate them.

Go old school to get into a full savings mind set:

Barter

Bartering can be a fun way to connect with other people, especially if you have a hobby that you enjoy. You could trade teaching a second language to someone who will give you piano lessons, for example. Or bake bread in exchange for your neighbor’s eggs. There are a lot of ways to be creative here.

It’s also an excellent way to get the word out when launching a new business. You can provide your service for free or as a sample and start amassing positive reviews.

Use your library

No need to spend so much money on books when you can get them for free! Most public libraries are part of a more extensive system. If your local one doesn’t have the book you need, you can request it from another branch and then pick it up on your own.

It’s also an excellent way to cut down on your magazine subscriptions, especially when you have so many you don’t feel you can read them all.

Garden

In addition to helping you save money, an additional bonus to gardening is that it can be good exercise and help relieve stress. You’ll find that your homegrown vegetables have much more flavor than the ones you buy at the supermarket.

You can plant flowers too so that you can make beautiful arrangements in your home as well. Your local community college or other community organization probably has a gardening forum that can answer your questions and advise what grows best in your area.

Do preventative maintenance

Rather than wait until things break down, which almost always means a much bigger repair bill, take care of everything as you go. Ensure your home is in good repair to avoid having critters or mold or anything else wear away at the foundations or infrastructure. Maintain your car on a regular schedule.

Care and maintenance also extend to your self! Make sure you’re getting the proper healthcare and exams for your age. Do your best to eat nourishing food and get enough exercise to reduce inflammation, which leads to cardiovascular disease, type 2 diabetes, and others. 

Don’t wait too long to get seen if something seems awry, either mentally or physically. It’s much cheaper (not to mention easier on you) to find that you need medication and get a prescription. Instead of finding out after you have to go to the hospital that you need the medication.

Want to talk about tax-savvy savings accounts? Please give us a call at 619.255.9554 or email us to set up an appointment.

Are you on track for retirement?

Making sure you will be ready for retirement can be overwhelming. Funding your retirement accounts over the years is just one part of your journey to the retirement of your dreams. A Certified Financial PlannerTM can help you navigate the complexities of financial planning. Talk to a Financial Planner>

Dream. Plan. Do.

Platt Wealth Management offers financial plans to answer your important financial questions. Where are you? Where do you want to be? How can you get there? Our four-step financial planning process is designed to be a road map to get you where you want to go while providing flexibility to adapt to changes along the route. We offer stand alone plans or full wealth management plans that include our investment management services. Give us a call today to set up a complimentary review. 619-255-9554.

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