Tom Meaglia photo

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

November/December 2026

Gifts That Keep on Giving

A small pink piggy bank in a festive box. Symbol of the New Year under the Christmas tree. Unusual gift.

During the holiday season, it's easy to get swept up in the excitement of gift-giving. But what if you could make your gifts unforgettable by weaving in valuable financial lessons? For parents, grandparents, aunts, and uncles, this is a unique opportunity to set your children or relatives on a path to financial literacy.


A Safety Net
While it might not be the first gift that comes to mind, life insurance can be a powerful tool for the future. Consider gifting a life insurance policy to your child or grandchild. Not only does life insurance provide a safety net, but whole life policies also accumulate cash value over time, which your loved ones can access later. Starting early usually means lower premiums and better returns—a win-win for anyone looking to secure their children's financial future.


Building Wealth for Tomorrow
Another option is a custodial investment account, such as a Uniform Transfers to Minors Act (UTMA) account. These accounts let you transfer assets to a minor, giving them a head start in investing while keeping you in charge of managing the account. You can gift stocks, mutual funds, or cash that can grow over time. For older children, you might consider a "teen" account that lets your child make their own trades while you maintain ultimate control. These accounts allow them to learn the ropes of investing under your guidance.


A Powerful Gift of Knowledge
Sometimes the best gift isn't a tangible item but rather knowledge or experience. Why not spend time sharing financial wisdom? For example, host a fun family financial literacy session. Start by reviewing the basics, such as budgeting, saving, and investing, and use interactive games or apps to keep it engaging. Then discuss the importance of credit scores or hands-on budgeting. These activities can demystify financial concepts and make them more relatable.


Life Skills with a Financial Twist
There are workshops and classes on everything from stock market basics to entrepreneurship. These can make great gifts for the kids in your life, as they not only create memorable moments but also instill skills that are useful in adulthood.


As you make your holiday gift list this year, think outside the box. By giving loved ones the tools to manage their finances responsibly, you're not just preparing them for their future – you're paving the way for a legacy of financial wisdom.


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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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