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

Put Yourself on Your Holiday Gift List

Happy businessman getting present from himself in mirror for self motivation. Reward yourself when success or achieving personal goals to increase motivation and inspiration, winning concept.

It's easy to get caught up in gift-giving for friends and family. But have you considered gifting yourself something this year? No, not that luxury vacation or sleek new vehicle you've been eyeing. I mean the priceless gift of a comfortable retirement. With the right strategies, you can secure your financial future while enjoying the present.


Maximize Your Contributions for 2026 and Beyond
As the end of 2026 approaches, it's essential to maximize your contributions to IRAs, 401(k)s, and 403(b) plans, and to plan to make maximum contributions in the future. If you're age 50 or older, take full advantage of catch-up contributions. These additional contributions can significantly boost your retirement savings.


But don't stop there—look into deferred compensation plans offered by your employer. These plans can help shelter a portion of your income from immediate taxation, which is especially advantageous if you expect to be in a lower tax bracket upon retirement. Take the time to speak with your financial professional about the options that best suit your financial needs and goals.


Plan for Health Needs
As you age, you're more likely to need help with daily activities. Long-term care and other health needs can quickly deplete savings if not properly planned for. It's worth exploring long-term care options, such as a dedicated fund to cover these potential expenses.


Consider Annuities
Annuities can be a powerful tool for ensuring a stable income in retirement. They offer guaranteed payouts for a set period or for the rest of your life, providing peace of mind that you won't outlive your savings. However, it's crucial to understand how annuities are structured and how they fit into your overall financial strategy. Depending on your liquidity needs and investment strategy, working with a professional can help you navigate the available products.


Coordination With Other Investments
Lastly, ensure your retirement planning stages align seamlessly with your other investments. The goal is to create a balanced approach that aligns with your overall financial goals. Diversification remains key, and how you allocate your assets can significantly affect the quality of your retirement. Engaging a reputable financial advisor can help ensure that all your investments work toward a common goal—your comfortable retirement.


So this holiday season, consider putting yourself on your gift list. With these strategies in mind, you'll take major steps toward securing your financial independence. A little planning goes a long way, helping you enjoy your golden years with confidence and comfort. So go ahead and start planning your future today—the best present you can give yourself!


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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.