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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

The Best and Worst Assets to Leave Your Heirs

The Best and Worst Assets to Leave Your Heirs

Deciding what to leave to your heirs can be one of the most emotionally difficult—and financially important— decisions you'll make. It's crucial to understand which assets can most benefit your heirs and which might create headaches down the road.


Winners
Cash is always a winner. It's liquid, easily divided, and can be used instantly by your heirs. They won't need to worry about selling property or managing investments to access it. Additionally, securities, such as stocks that have increased in value, can be a great choice. They not only provide immediate financial benefit but can also be passed on in ways that allow heirs to benefit from the long-term growth of your investments.


Real estate can also be a valuable asset to pass down. If your property is in a desirable location or holds sentimental value, it can serve as a meaningful legacy. However, it's important to think about the property taxes and maintenance costs your heirs might encounter.


Losers
Assets with significant mortgage debt can be a burden for heirs, who may face immediate financial pressure to sell or pay off the debt. Also, illiquid assets like collectibles or art might not be as beneficial unless your heirs have the knowledge and resources to manage or sell them effectively.


Whatever assets you decide to leave behind, being proactive with your estate planning can prevent your heirs from unnecessary stress and confusion in the future. After all, you want to leave a legacy, not a puzzle.


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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.

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