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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
July/August 2022
Navigating Life's Changes
Change can be stressful, even when it’s something you’ve planned for, such as getting married or starting a family. But when a sudden life change that you didn’t anticipate ramps up the stress meter, taking a step back and assessing your situation can help you determine the best way forward.
Job Insecurity
Whether due to company downsizing or a business closing its doors, losing your job can be one of life's most demoralizing events. You no longer have a steady income, and your workplace identity doesn't exist anymore. Take a moment to catch your breath and review your options. If you received a severance package, you'll probably have some financial breathing room. Consider reaching out to business or personal contacts in your field. Even if nothing comes of it immedidately, having colleagues know you're available could bear fruit in the future.Loss of a Spouse
Loss of a spouse due to divorce or unexpected death can be devastating, both emotionally and financially. It's not uncommon for a divorced or widowed spouse to make hasty decisions that he or she may regret later. Avoid making major changes until you've taken time to assess your financial situation. Then proceed cautiously and with professional help.A Cash Reserve
You don't need a current emergency to start saving for one. The time to save for unanticipated expenses is long before you'll ever need the money. Savings in an emergency fund can cover your expenses if you experience a sudden unexpected loss of income. Your goal should be to save at least six months' worth of living expenses in an account that you can access easily without paying a penalty.Don't Go It Alone
In the event of job loss or another unexpected life change, you might need to adjust your budget and financial goals to reflect your new circumstances. Your financial professional can help you plan for a future that doesn't look the way you thought it would. Reaching out as soon as you're able can lift some of the weight off your shoulders while you're getting your life back on track.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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