Estate Planning with CLA USA Helps Seniors Secure the Future

A recent MSN Money article discussed the five biggest threats to retirement dreams. Not to surprisingly, considering the source of the article, four of the five involve money – having enough money, planning money wisely and the lack of seniors estate planning are all among the top five threats to a comfortable, secure retirement. None of the information in the article is surprising for the agents who work for CLA USA, who deal with seniors and retirees estate planning concerns every day. CLA USA financial services, in fact, can help secure the future and reduce the risk of four of the five major threats to your dream retirement.

This year – and every year for the foreseeable future – approximately 77 million people will reach retirement age. The television commercials for retirement products, financial planners and investment planners make retirement look worry-free and appealing, but living that dream of a retirement life requires more than just retirement planning. It requires regular adjustments to your retirement planning and estate plan to make sure that it still suits your needs and will protect you and your assets for the rest of your life. Here are the five threats that the MSN Money article highlighted, and how CLA USA financial services can help you deal with each of them.


Your 401K, IRA or other pension plan gives you a head start on financing your retirement, but it’s important to keep on top of those investments and make sure that they continue to serve your needs. Review your personal situation as you approach retirement to figure out where you stand and how your investments are serving you now. The aggressive financial investment strategies that are appropriate for building your retirement fund during younger years may be too risky as you approach and enter retirement. CLA USA specializes in conservative financial planning strategies that are designed to preserve your assets and keep them growing at a steady, reliable pace.


Your health can have an impact on your experiences and finances during and throughout your retirement years. The right health insurance products, including long term care insurance and catastrophic illness insurance, can help you weather unexpected illnesses without depleting your savings and nest egg. Those insurance products will not only help preserve your savings – they can help you heal faster by allowing you to focus on your health rather than worrying about how to pay the bills. Investing in the right insurance can also ensure that you and your loved ones have access to needed treatment and care without the risk of bankrupting yourself or spending the estate you’d planned to pass on to the next generation.

Your Home

For many seniors, their estate is intrinsically entangled with their home, property or house. Taking the time to create an estate plan and financial plan can help you preserve your family home and ensure that it is transferred to the next generation if that’s your wish. CLA USA estate agents can help with estate planning tools and instruments that take your family home into account and your assets are arranged to protect it.

Your Time

While CLA USA financial services can’t help you with your time management or help you arrange your time to stay involved in your local community, knowing that your financial house is in order can provide you with the peace of mind you need to enjoy your retirement.

Seniors Estate Planning

Seniors estate planning is a CLA USA specialty. Working with CLA USA, you can arrange all of your assets and set up your estate to ensure that your assets are protected from estate taxes and fees after your death, and provide for an orderly transfer of assets to your heirs. Knowing that your family will not have to deal with uncertainties and unexpected delays and complications after your death can make your retirement more enjoyable and carefree.

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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