CLA USA Helps Seniors with Seniors Estate Planning

For seniors, estate planning is a subject that can raise a lot of uncomfortable feelings. CLA USA agents understand those feelings, but also understand how important planning can be for both the individual and the individual’s family. A well-planned estate can ensure that you have all the assets you need to live out your life comfortably, while protecting the assets you intend to pass on to the next generation. In short, there’s far more to senior estate planning than writing a will and setting up a retirement fund. CLA USA agents specialize in explaining and providing the many conservative financial planning tools and products that are available to help seniors put together a comprehensive estate plan. Agents with CLA USA will even work with your tax professionals and attorneys to ensure that every aspect of your financial plan serves your needs properly.

At CLA USA, seniors estate planning can encompass any of the following important aspects.

Income Generation

CLA USA focuses on conservative financial planning tools and investments to protect your wealth during market corrections and downturns. For seniors, asset protection is often more important than income generation, but there are income-generating investments that can fit into your future financial plans.

Asset Protection

The uncertain markets over the past several years have driven home the point that no investment is ever completely safe, but there are financial products and tools that are safer than others. A well-conceived seniors estate plan will include strategic asset allocation that protects your wealth from erosion and helps you preserve your assets for your own use and to pass the remainder to your heirs.

Seniors Estate Planning

Without a properly structured estate plan, your loved ones and heirs may not receive the assets and legacy that you intend for them to have. Planning your estate while you’re still alive can ensure that your belongings are distributed according to your wishes and reduce the stresses on your family and loved ones after your death. It’s important to work with senior estate planning professionals who stay current with the frequent changes in estate planning to ensure that you get the most up-to-date advice and information.

Retirement and Income Planning

Today’s seniors aren’t entering their golden years with the prospect of living another five or ten years after retirement. With the advances in medicine and the focus on health, many retirees will enjoy 25 years or more of retirement. That means that your retirement nest egg has to stretch twice as long as you expected. An experienced financial planner can help you position your assets and choose financial tools to provide lifetime income from your retirement nest egg.

Tax Planning

Taxes can take an unexpectedly large bit out of your estate and wear away at your retirement income. Tax planning is a vital part of both retirement planning and seniors estate planning. It can take the form of tax-deferred vehicles, special insurance trusts and other strategies to ensure that your heirs receive as much of your estate as possible.

Insurance Products

Life insurance, long term care insurance and other types of insurance can ensure that you are properly cared for throughout your life and that your family is properly cared for when you aren’t there to make the decisions for them. From choosing the proper beneficiaries for life insurance plans and retirement plans – including surviving spouse benefits from your military and other pension plans – to providing for your expenses in the event that you need long-term care in your older years, insurance has an important role in senior estate planning.

CLA USA is a financial services company headquartered in Frisco, Texas. For over 20 years, CLA services have focused on assisting seniors with estate planning and asset management for retirement. The company is highly regarded, and holds an A+ rating from the Dallas Texas Better Business Bureau, as well as comparable ratings in other cities where CLA USA does business. For more information about conservative financial planning and senior estate planning, contact a CLA USA agent to schedule a consultation to learn more.

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About clausamedia

Charles Loper & Associates, USA, was founded by Charles A. Loper, Jr. and has been in the business of preserving people's assets since 1984. All of CLAUSA's insurance representatives have specialized knowledge in assisting our clients with issues that are of particular interest to the retired and elderly. CLAUSA agents and staff members are trained to assist our clients in preserving their assets. In addition to working with our clients' estate attorneys, CLAUSA works with other professionals such as CPA's to assist our clients with tax planning. CLA has operations in Alabama, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Washington, and plans for several more offices throughout the country. It is the purpose of CLA Companies and staff to help our clients preserve their assets and pass as much as possible to your heirs.
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