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Tom Meaglia, ChFC®

Chartered Financial Consultant


Investment Advisor Representative

CA Insurance Lic. #0567507

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

Toll Free: 800-386-3700

Bus: 909-593-6105

Cell: 818-681-8600

Fax: 909-593-6120



July/August 2020

Getting Real

Real estate is a way for investors to grab a personal piece of the American Dream — their own homes — but it may also prove to be a smart addition to your investing strategy while potentially providing a steady stream of income.

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How to Develop Healthy Spending Habits

Developing and maintaining healthy spending habits seems easy in theory, but prove harder in practice. From the time we earn that first paycheck to receipt of our first retirement check, financial goals change, but smart spending habits hold true. Consider practicing these habits through the times of your life:

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Back-to-School Shopping Tips

While summertime brings songs about sun, sand and fun, parents of students know this season includes an extra expense: back-to-school shopping. Here's how to survive this unavoidable annual ritual while keeping your expenses down.

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Back to School Spending Stats

School supplies comprise a healthy portion of back-to-school spending. In 2019, a survey by the National Retail Federation and Prosper Insights & Analytics found that families expected to spend an average $696.70 on school supplies for each elementary through high school student. Expect that number to top $700 this year.

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With Time on Your Side

Millennials face challenging financial obstacles, including high student loan debt and difficult entry into an expensive real estate market. But they have one advantage that older generations never have: Time is on their side. If you’re a Millennial consider how, even with other financial obligations, you can find the money needed for long-term financial goals.

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How Long Will You Work?

Recent surveys show that younger Americans believe they will work past normal retirement age, which could become reality given the increasing amount of “retired” Americans who continue to work. But life has a way of altering the best-laid plans, so it’s important to establish a “what-if” strategy that addresses a shorter work life and longer retirement than you may plan.

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Easy Ways to Help Grow Your Retirement Accounts

Company-sponsored 401(k) plans have undergone big changes over the years, including matching contributions from your employer, and automatic enrollment, rebalancing and contribution escalators. Even if you don’t have these options, you can still model your individual retirement investing behavior after some of these plan features.

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Open Enrollment Strategy for a Changing Workforce

Each summer, businesses across the country plan for open enrollment. Often, they’ll look at their employee benefit offerings to see how they may improve them to benefit both their firms and employees.

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Combining Personal and Business Travel

If you run your own company and travel for business, you may be tempted to combine work with pleasure. That's okay, as long as you don't trip up on the tax rules. Your tax professional can advise you as to what you can or cannot do.

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Term or Whole Life?

Which type of life insurance is best for you? Term or permanent, the latter shorthand for whole life insurance. Consider the following:

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What's an Annuity Exchange?

When you surrender an annuity or cash value life insurance policy, you may face taxes and penalties unless you exchange it in a tax-approved way. That way is a 1035 Exchange, named after a section of the Internal Revenue Code. If you are considering such an exchange, understand the consequences first before making any decision.

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Investment advisory services offered through Fusion Capital Management, an SEC Registered Investment Advisor. 9111 Cypress Waters Blvd., Ste 140, Dallas, TX 75019.
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