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Tom Meaglia, ChFC®, AEP®,
CLU®, CRPC®, MSFS
Chartered Financial Consultant
Investment Advisor Representative
Chartered Retirement Planning Counselor
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
Email: tom@meagliafinancialconsulting.com
Website: www.meagliafinancialconsulting.com
March/April 2021
Cultivate Your Financial Smarts
When there's a lot going on in your life, you might be tempted to put thinking about your finances on the back burner. But that's never a good plan. Improving your financial outlook can be as easy as laying down - and following - a few simple ground rules.
Create a Spending Plan
Add up your monthly expenses - rent/mortgage, utilities, insurance, food, commuting costs, loan and car payments, etc. - and subtract them from your after-tax income. If expenses are top heavy, look for places to trim.Build Credit
Paying bills and making loan payments on time will help you earn a healthy credit score. Credit cards can help you establish credit, but make sure you pay off any balances each month to avoid accruing interest and lowering your credit score.Start an Emergency Fund
Set aside money in a cash account in case of a job loss or an unexpected expense. Your goal should be at least six months’ worth of living costs.Set Concrete Goals
A down payment on a house, a college fund, retirement - identifying specific goals can keep you on track. Think about how much you’ll need to save for each goal and review your progress periodically.Contribute to a Retirement Plan
Take advantage of your employer’s 401(k) or other retirement plan, or open an individual retirement account (IRA) on your own.CONTACT US
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Investment advisory services are offered through Fusion Capital Management, an SEC Registered Investment Advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss.
Meaglia Financial Consulting and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
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