949-858-7200 | info@cotoinsurance.com
When I meet with a new client, a Trust is one of the first things we investigate together. If the clients have not already established a Trust, I advise them to do so right away. Why is a Trust so important? Someday when you pass away, your estate will automatically…
No one really wants to think about the end of their life, or picture their loved ones carrying on without them. So it’s no wonder that many people tend to gather their courage once, enroll in a life insurance policy, and then never think about it again. That’s understandable, but…
When you begin your search for the right life insurance policy, you might be surprised at how many different types there are! You will begin to spot lingo such as term, whole life, permanent, universal, and many more. These different types of life insurance were all designed to meet specific…
Often when we’re helping pre-retirees plan for the future, one of their biggest questions revolves around market fluctuations. What do you do, if the market fluctuates during your retirement? One of our biggest focal points is helping our clients to insure their portfolios. We want to make sure that…
Most of us know that life insurance is important, to protect our loved ones in the event that something happens to us. But often we find that people resist choosing a policy, because they already feel burdened by payments on various other life expenses. If you’re thinking that you “can’t…
Retirement planning could be overwhelming if you tried to do it alone, or all at once. Fortunately, we’re here to help you, and you don’t have to accomplish everything in one day. In fact, retirement planning is an ongoing series of steps that you should take throughout your working years….
Most of us think of “life insurance” as something you purchase once, and then you’re covered for life and you can forget about it. But that’s actually not true at all. While it’s not something that you’re going to reconsider every week or even every month, there are definitely times…
Divorce can seem to wreak havoc on many financial plans. However, once the dust has settled and a few years have passed, most of us assume the worst is behind us. That is indeed true in most cases. However, once you reach retirement age, you might find yourself surprised once…
Planning for the future requires us to carefully analyze our lifestyles, expenditures, and budgets for future years. But this exercise is hardly a precise science; a lot of these estimates include our best guesses as to how things will work out. It is always possible that unexpected expenses will surprise…
Many of us can’t wait to retire, and relax to enjoy the fruits of our labor. In other cases, some of us will need to retire a bit earlier than planned, due to unforeseen circumstances. In either case, you probably know that you can claim Social Security benefits as early…