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Tom Meaglia, ChFC®, AEP®,


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




May/June 2023

Estate Planning for the Younger Crowd

Better mortgage rates.

In your 20s or 30s, you’re probably focused on building your career and enjoying your current lifestyle. So, you may not have given a lot of thought to estate planning. However, creating a basic estate plan may help protect you if the unforeseen happens.

A Will
A will specifies how you want your property distributed and names an executor or personal representative to carry out your wishes. Property can include digital assets, such as photos, online/social media accounts, important documents, passwords, etc., and you can specify who can access which accounts and what should be done with them. You can also name a guardian in your will for any minor children you have.

Living Will and Health Care Power of Attorney
A living will, or medical directive, specifies what lifesaving medical treatment you would or would not want in the event you’re incapacitated and cannot speak for yourself. A health care power of attorney names someone you trust as your advocate to make medical decisions for you if you can’t make them yourself.

Durable Power of Attorney for Finances
This document authorizes someone to act on your behalf in financial matters if you’re unable to attend to them yourself. A durable power of attorney goes into effect only if you become incapacitated.

Term Insurance for Student Loans
Federal student loans and Parent PLUS loans are automatically discharged if the borrower dies while the loans are outstanding. But, if a parent, spouse or someone else cosigned for a loan from a private lender, such as a financial institution, the death of the borrower could cause the lender to require repayment from the cosigner. A term life insurance policy with a benefit in the amount of the outstanding loan could protect cosigners by providing the cash needed for repayment.

Caring for Pets
For most pet owners, pets are members of the family. Adding a pet guardianship clause to your will can ensure that your pet(s) is cared for by a friend or family member. Funding a pet trust to pay for food, veterinary care and other expenses and selecting a trustee to manage the funds can ensure your pet receives lifelong care.


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Thomas Meaglia is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees.
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