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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

May/June 2026

Building Wealth for Retirement

Building Wealth for Retirement

Saving for retirement through an employer's 401(k) plan or an individual retirement account (IRA) is only one part of a wealth accumulation strategy. A comprehensive wealth strategy involves a personalized, detailed review of what your financial future might look like. Having a wealth strategy can help you establish a path toward financial stability in retirement.


Your Financial Situation
The strategy you use to build wealth will partly depend on an evaluation of your current finances, including the assets you already possess. A review can help determine whether you're saving and investing enough each year based on your goals and identify any potential gaps.


Your Goals
The amount of money you'll need in retirement will depend on your expenses and desired lifestyle. Consider where your income will come from and how much you can expect from each source. Then, estimate your expenses, including living costs, health care, taxes, travel, hobbies, and legacy plans. Knowing how much money you'll need for each expense will give you a clearer picture of what you'll need to earn from your investments. Use this as a guide to determine your asset allocation* and the level of risk you're willing to take with your investments.


Strategies for Growth
The wealth strategies you use should be tailored to your goals and include both growth and protection measures. Start with a diversified portfolio that features a variety of asset classes, such as stocks, ETFs, mutual funds, and fixed-income investments. Also, consider an annuity to help provide a lifetime income stream for you or for you and your spouse.** Consider adding life insurance to replace a spouse's income if he or she passes away, a longterm care policy to protect you from rising care costs, and a health savings account if it's available to you.


Your financial professional can help you develop and implement a wealth-accumulation strategy to prepare for retirement.


*Diversification and asset allocation cannot eliminate the risk of investment losses. Past performance won't guarantee future results. An investment in stocks or mutual funds can result in a loss of principal. Asset allocation may help reduce volatility in your portfolio.
**Distributions from annuities are taxed as ordinary income and, if taken prior to reaching age 59-1/2, may be subject to an additional 10% IRS tax penalty.


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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.
Meaglia Financial Consulting and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.