Live Chat Software Affluencer Financial | Financial Planner for Women
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Affluencer financial is a fee-based financial planning firm headquartered in Los Angeles, California. We do not make investment decisions on behalf of clients; rather we provide comprehensive advice and solutions without encouraging you to buy products. In fact, we do not manage securities nor are we affiliated with any investment firm that provides us management fees based on the purchase or trade of stocks, bonds, or mutual funds. We simply provide clients with unbiased, independent, objective advice on their personal financial goals. *Affluencer is not a securities firm, "Investments" refers to fixed products and real estate. Fiduciary engagements must be agreed upon and approved by both parties in writing. 

Think men and women are equal when it comes to financial planning?  Think again!

 

Women comprise over half the U.S. population, hold 51% of U.S. wealth and have 83% of purchasing power. In fact we believe that women are the biggest emerging market in the history of the United States. Yet, even after decades of progress women tend to be ignored when it comes to financial advice tailored to their needs.  

Longer life expectancies.  

Women outlive men by an average of 8 years, which means that they must stretch their money for an additional 8 years beyond when their spouse passes away.

Need for long term care

More than 71% of women will need some sort of long term care help in their retirement years.  This is an area very unique to women especially since most women outlive their husbands and will be left alone for their later years.

 

 

 

 

 

 

 

 

 

Fewer years in the workforce

Women spend an average of 12 years less than men in the workforce, so they could take care of family. This results in smaller Social Security benefits, and only half the Pension benefits men receive.

 

 

 

 

 

 

 

 

 

Retirement planning for women

As a woman you will outlive your male counterpart by an average of 8 years. While most financial advisors will create a generic plan, our specialized financial planners will create a retirement plan which takes into considerations all of the circumstances which are unique to you as a woman. Things like spousal Social Security benefits, taking care of your parent and your children, the need for long term care, and making sure your money lasts as long as you do. There are no cookie cutters in doing this, it takes time to get to know you in order to create a rock-solid financial plan.

Social Security optimization for women

Whether you are married, divorced or widowed Social Security has special benefits which you can apply for to generate retirement income.  These are benefits that the Social Security administration will not notify you of, unless you apply.  Our specialized Social Security software will ask you all of the right questions and then generate a report which will detail all of the financial benefits that are available to you.

 

 

 

 

Social Security optimization for women

Whether you are married, divorced or widowed Social Security has special benefits which you can apply for to generate retirement income.  These are benefits that the Social Security administration will not notify you of, unless you apply.  Our specialized Social Security software will ask you all of the right questions and then generate a report which will detail all of the financial benefits that are available to you.

Pension Planning for women

Selecting the right option for your pension is critical when it comes to retirement.  Most women will outlive their male counterpart therefore it is important to evaluate all pension options and select the option which gives the greatest benefit.  This is the case if your husband has a pension as well!

Long Term Care planning for women

There are many different strategies on how to protect yourself.  Whether it is to self-insure or use Long Term Care insurance, this is one of the most important areas when it comes to financial planning for women. We will help you evaluate your financial situation and give you multiple options on how to address the long term care need.  No one wants to be a burden on their children! So we are extra sensitive when it comes to this topic in making sure our clients are well protected and provided for.

Estate planning for women

Estate planning for women includes creating a will and a trust so that your assets will efficiently go to your loved ones after your passing.  However while you are still alive, estate planning also plays a huge role in protecting you.  Using a Healthcare Power of Attorney we will protect your rights so that if you become incapacitated your doctors can take directions from a selected individual(s) who you choose in advance.  In addition, we can use a Financial Power of Attorney to protect your finances in case you become disabled or incapacitated. The Financial POA allows a person of your choosing to make limited financial decisions for you, if you are unable to do so. The process of estate planning can be very comforting because you can protect yourself and your assets from any surprises.

MORE INFORMATION:

  • Financial planning for divorce

  • Financial planning for widows

  • Estate planning for women

  • Long term care planning for women