Tuesday, December 1, 2015
Thursday, November 19, 2015
Wednesday, November 11, 2015
Tuesday, November 3, 2015
Monday, November 2, 2015
Thursday, October 29, 2015
Monday, October 26, 2015
Tuesday, October 20, 2015
Tuesday, October 13, 2015
You're invited to a Moxie retreat in Jan!
Just a reminder that my friend (and one of the sharpest business coaches I know) Joy Chudacoff is hosting her annual MOXIE Retreat, Jan 20-22, 2016 in Los Angeles. This is a chance to dive into your 2016 business strategy, team, momentum, leadership skills, and so much more with a truly remarkable community of women entrepreneurs. You can get all the details on Joy and Moxie 2016 here: http://SmartWomenSolutions.com/j.htm?p=thewic&w=MoxieRetreat
Thursday, October 1, 2015
Money 101 in October!
Happy Thursday all! Happy first day of Breast Cancer Awareness month! Please be my guest for dinner at Money 101 in October. We all go to school for 12 to 16 years to learn reading, writing, and arithmetic, but never learn anything about How Money Works! You are invited to our FREE workshop. Tonight 10/1 and 10/13 please be my guest in Las Vegas! In CA please join me on 10/20 and/or 10/21. Please RSVP to me as well as the link provided for food purposes at www.fiveringseducation.com Thanks! Bring a friend, the more the merrier! Have a great weekend!
Tuesday, September 29, 2015
Friday, September 18, 2015
It's A Five Star Fall At Wine Women Wealth!
http://myemail.constantcontact.com/It-s-A-Five-Star-Fall-At-Wine--Women---Wealth-.html?soid=1103559743440 Please RSVP to me!
Some exciting news! I am in the process of launching our first Wine Women and Wealth and Money 101 in Hawaii with two of my colleagues! Stay tuned for dates and please like our new Facebook page.
Also, I will be re-launching Wine Women and Wealth at Hera Hub in Sorrento Valley in January of 2016. I am so excited. Stay tuned for updates. Have a great weekend!
Some exciting news! I am in the process of launching our first Wine Women and Wealth and Money 101 in Hawaii with two of my colleagues! Stay tuned for dates and please like our new Facebook page.
Also, I will be re-launching Wine Women and Wealth at Hera Hub in Sorrento Valley in January of 2016. I am so excited. Stay tuned for updates. Have a great weekend!
Friday, September 4, 2015
Be my guest to some amazing fun networking events in Sept! #SWAN
PLEASE RSVP to me as well as the link provided at www.fiveringseducation.com
I help ppl sleep well at night!
#SWAN
:-)
Monday, September 14
6:00pm
CA Carlsbad Wine, Women & Wealth
Monday, September 21
6:00pm
Wine, Women & Wealth - Carmel Mountain
Tuesday, September 22
6:30pm
CA San Marcos Money 101
Wednesday, September 23
12:00pm
CA San Marcos Lunch Express Money 101
Tuesday, September 29
6:30pm
CA Burbank Money 101
Wednesday, September 30
6:00pm
CA Mission Valley Money 101
King's Fish House, 825 Camino De La Reina, San Diego, CA 92108, United States
Want to make friends with money? This FREE workshop makes learning about money fun and empowering! Why are some people good with money and others aren't?Do you know how much money you need to save for retirement? Do you have an emergency fund for those unexpected life events like a broken car, vet bill or medical condition? Are you a spender or a saver? Want to reduce stress and worry about money? Here's the good news! Knowing how money works and making it work for you is a learned skill. That means that anyone who is willing to learn and apply the principles of money can succeed in building wealth. Money 101 helps you make friends with money, so that it works for you rather than the other way around. If you'd like a friendlier relationship with money that empowers you and gives you hope for a future of security, join us for this FREE workshop. Enjoy lunch or dinner on us while you transform your relationship with money. Seats fill up fast. Reserve your spot today! Copy / paste URL to RSVP: https://goo.gl/20r9bV
Wednesday, September 2, 2015
Monday, August 31, 2015
What a crazy market last week!
With the stock market roller coaster over the past couple of weeks I've been receiving calls from clients and contacts wanting a way to get off the roller coaster for good! Well that is my specialty. Earn a great return when the market is going up and avoid the downside when the market falls. That's right, NEVER LOSE MONEY AGAIN...GUARANTEED! If you could wave the magic wand...what interest rate would you want to get on your money? If you are ready to find out more about starting your SWAN (Sleep Well at Night) plan call me or email me today, I'm a NON FEE based rep and there is no obligation!
Join us on Wed night Sept 2 for Wine Women and Wealth in San Juan Capistrano! Its free. www.fiveringseducation.com
Join us on Wed night Sept 2 for Wine Women and Wealth in San Juan Capistrano! Its free. www.fiveringseducation.com
Tuesday, August 11, 2015
Tuesday, August 4, 2015
Thursday, July 30, 2015
Does your life insurance policy pay living benefits?
When life insurance was first designed back in the 1600s it did one thing: The policy would pay benefits to your heirs after your death. This was one way to ensure that if something should happen to you, your family would be protected. Life insurance was especially important for the household breadwinner, usually the husband, because the rest of the family depended upon his ability to work.
But like all things, life insurance has evolved. Did you know that 90 percent of people who have a heart attack survive the crisis? And yet, their health and ability to work might be drastically altered afterward. The same can be said of those who suffer strokes, accidents, and other major health crises.
After a major health crisis, two things almost always happen: Your expenses go up, due to high medical bills and the cost of personal care, and your income goes down because you’re unable to work anymore. Just one illness or serious health crisis can put your family at serious risk of financial problems. In fact, 60 percent of all bankruptcies are directly due to health care expenses and lost income after a major health event.
Luckily, the world of life insurance has changed to help policy owners cope with these drastic circumstances. Nowadays, many life insurance policies offer “living benefits”, which means you can collect your payout if you suffer a critical or chronic illness. A policy which pays out a living benefit can be a financial lifeline if you are ever seriously ill or injured, and need cash benefits right away.
In short, living benefits mean the difference between surviving a health crisis, and having a life afterward. Do you know whether your current life insurance policy includes a living benefits clause? If you have a death-only policy, you might want to think about making sure your family is protected if you suffer a serious health problem. Talk to your insurance professional today, and investigate your options for a new, upgraded life insurance policy.
Friday, July 24, 2015
Wow~ WOW~ Wow!
Earlier today, Anthem Blue Cross and Blue Shield's parent company announced that it has entered into a definitive agreement with Cigna Corporation, under which our parent company will acquire Cigna in a cash and stock transaction. This transaction will accelerate the realization of our vision to be America's valued health partner.
Thursday, July 23, 2015
Supreme Court Strikes Down State Laws Prohibiting Same-Sex Marriage
In a separate decision, the U.S. Supreme Court has ruled thatsame-sex couples may exercise the right to marry in all states. According to the opinion, the United States Constitution requires states to license a marriage between two people of the same sex, and to recognize a marriage between two people of the same sex when their marriage was lawfully licensed and performed out-of-state.
Federal, state, and local agencies are expected to issue guidance on how to proceed. Employers with questions regarding the impact of the ruling on the administration of employee benefits for same-sex couples (or other applicable employment laws) are advised to contact a knowledgeable employment law attorney for specific guidance.
Stay tuned for more information regarding the impact of this decision, and be sure to check for updates in our Employee Benefits and State Laws sections.
Monday, July 20, 2015
Monday, July 13, 2015
Monday, July 6, 2015
Monday, June 29, 2015
Sunday, June 28, 2015
Spell Out Your Business's Future with a Buy-Sell Agreement
A typical small business owner spends so much time
attending to immediate tasks that planning for the future is often
neglected. This is too bad, because business owners who neglect
planning now may cause their families and business partners to pay
dearly for this oversight later.
If you're a business owner, you may not have
planned sufficiently for the future if a buy-sell agreement hasn't
been drawn. A buy-sell agreement decrees how a business, or share of
a business, will be transferred upon death, disability or retirement.
A buy-sell agreement can be between partners, between a business
entity and its stockholders, or between an owner and a key employee.
It predetermines who will receive a business or its share, how the
sale or transfer will be funded and it provides a means for paying
personal estate taxes after the transfer.
There are three types of buy-sell agreements and
all determine the value of the business through an updated business
valuation or a formula derived from an older valuation. The first is
a stock redemption plan, which is an agreement between a corporation
and its shareholders. A second type is a cross-purchase plan, which
is an agreement usually among shareholders or partners. A third,
less known option is a "wait-and-see" buy-sell plan, offers
flexibility and tax and economic advantages that take the best from
the first two options. In this buy-sell scenario, a corporation can
exercise its buy option or waive its right, thus triggering the
cross-purchase option to kick in.
Regardless of which buy-sell plan is chosen,
business owners should consult with a professional to help avoid
tricky tax and procedural pitfalls. And, equally important, a
financial professional can present appropriate funding options.
Without them, all the planning in the world can be for naught.
When a business owner is disabled or opts out of
the business for other reasons, other owners get first crack at that
share of the business. Of course, they need the money to acquire
those shares. When a business or its shares become available because
of the death of an owner or shareholder, surviving owners again get
the first option to buy, even though the business interest is usually
willed to a family estate. Most buy-sell plans include the
stipulation that surviving family members, if not previously involved
in the day-to-day business operations, sell their interest to
surviving owners. The cash received for this interest helps to meet
family estate tax obligations and the business is in the hands of
people best qualified to run it.
Self-funding, borrowing and insuring a buy-out are
the three basic ways most buy-sell plans are funded.
With self-funding, surviving owners or
shareholders can either pay for the business interest outright or
through an installment plan. Buy-out funds can also be accumulated
through the establishment of a sinking fund, basically a savings plan
in which business owners put aside money on a regular basis for the
sole purpose of buying shares when they become available. While this
funding arrangement helps money accumulate in the future, all the
while earning interest, borrowing provides the money upfront with
interest payments figured into future payments. All three
arrangements have a variety of holes should the unexpected happen.
What if death or disability occurs before funds
have accumulated to meet the buying price? What if borrowing becomes
tight because the departure has an adverse affect on business? Can a
deceased owner's estate afford to wait for an installment plan?
That's where insurance comes in. Bought by either
the company or by partners on each other's lives, insurance is a
method of providing cash when it's needed. Through a variety of
insurance programs such as split-dollar, in which an insured owner
and other partners split the cost, tax-advantaged savings can be
accomplished now while future payout is guaranteed*. Whole life
insurance, which builds cash value, can also provide needed funds
when events other than death trigger a buy-out clause**.
And many companies now sell disability insurance to specifically meet
buy-sell needs.
The existence of a buy-sell plan ensures the
orderly transition of a business, and a proper funding vehicle
ensures the money will be there when the time comes. Plan for the
future now. Your business depends on it.
*Guarantees
are dependent on the claims-paying ability of the issuing company.
**Policy
loans and withdrawals may reduce the policy’s cash value and death
benefit and may results in a taxable event.
This
information is not intended as tax or legal advice. Please consult
with your Attorney or Accountant prior to acting upon any of the
information contained in this article.
Money 101 in July! Shoot for the stars!
Be my guest to #Money 101 in San Diego at 57 Degrees, July 8, 12 noon-1pm. RSVP to Katherine@FiveRingsFinancial.com Bring a friend! Lunch is on me!
We go to school for 12 to 16 years and learn reading, writing, and 'rithmetic, but we never learn How Money Works! We're inviting you to a FREE workshop. This isn't a sales seminar, it's an educational setting. Bring your notepad, grab a bite to eat, and listen to the fundamental principles of money. Learn how to GROW and PROTECT your money for college tuition, retirement planning, or simply wealth accumulation - with money you never knew you had. View our California event calendar here: www.FiveRingsEducation.com
We go to school for 12 to 16 years and learn reading, writing, and 'rithmetic, but we never learn How Money Works! We're inviting you to a FREE workshop. This isn't a sales seminar, it's an educational setting. Bring your notepad, grab a bite to eat, and listen to the fundamental principles of money. Learn how to GROW and PROTECT your money for college tuition, retirement planning, or simply wealth accumulation - with money you never knew you had. View our California event calendar here: www.FiveRingsEducation.com
Tuesday, June 23, 2015
Monday, June 8, 2015
Friday, June 5, 2015
Spell Out Your Business's Future with a Buy-Sell Agreement
A typical small business owner spends so much time
attending to immediate tasks that planning for the future is often
neglected. This is too bad, because business owners who neglect
planning now may cause their families and business partners to pay
dearly for this oversight later.
If you're a business owner, you may not have
planned sufficiently for the future if a buy-sell agreement hasn't
been drawn. A buy-sell agreement decrees how a business, or share of
a business, will be transferred upon death, disability or retirement.
A buy-sell agreement can be between partners, between a business
entity and its stockholders, or between an owner and a key employee.
It predetermines who will receive a business or its share, how the
sale or transfer will be funded and it provides a means for paying
personal estate taxes after the transfer.
There are three types of buy-sell agreements and
all determine the value of the business through an updated business
valuation or a formula derived from an older valuation. The first is
a stock redemption plan, which is an agreement between a corporation
and its shareholders. A second type is a cross-purchase plan, which
is an agreement usually among shareholders or partners. A third,
less known option is a "wait-and-see" buy-sell plan, offers
flexibility and tax and economic advantages that take the best from
the first two options. In this buy-sell scenario, a corporation can
exercise its buy option or waive its right, thus triggering the
cross-purchase option to kick in.
Regardless of which buy-sell plan is chosen,
business owners should consult with a professional to help avoid
tricky tax and procedural pitfalls. And, equally important, a
financial professional can present appropriate funding options.
Without them, all the planning in the world can be for naught.
When a business owner is disabled or opts out of
the business for other reasons, other owners get first crack at that
share of the business. Of course, they need the money to acquire
those shares. When a business or its shares become available because
of the death of an owner or shareholder, surviving owners again get
the first option to buy, even though the business interest is usually
willed to a family estate. Most buy-sell plans include the
stipulation that surviving family members, if not previously involved
in the day-to-day business operations, sell their interest to
surviving owners. The cash received for this interest helps to meet
family estate tax obligations and the business is in the hands of
people best qualified to run it.
Self-funding, borrowing and insuring a buy-out are
the three basic ways most buy-sell plans are funded.
With self-funding, surviving owners or
shareholders can either pay for the business interest outright or
through an installment plan. Buy-out funds can also be accumulated
through the establishment of a sinking fund, basically a savings plan
in which business owners put aside money on a regular basis for the
sole purpose of buying shares when they become available. While this
funding arrangement helps money accumulate in the future, all the
while earning interest, borrowing provides the money upfront with
interest payments figured into future payments. All three
arrangements have a variety of holes should the unexpected happen.
What if death or disability occurs before funds
have accumulated to meet the buying price? What if borrowing becomes
tight because the departure has an adverse affect on business? Can a
deceased owner's estate afford to wait for an installment plan?
That's where insurance comes in. Bought by either
the company or by partners on each other's lives, insurance is a
method of providing cash when it's needed. Through a variety of
insurance programs such as split-dollar, in which an insured owner
and other partners split the cost, tax-advantaged savings can be
accomplished now while future payout is guaranteed*. Whole life
insurance, which builds cash value, can also provide needed funds
when events other than death trigger a buy-out clause**.
And many companies now sell disability insurance to specifically meet
buy-sell needs.
The existence of a buy-sell plan ensures the
orderly transition of a business, and a proper funding vehicle
ensures the money will be there when the time comes. Plan for the
future now. Your business depends on it.
*Guarantees
are dependent on the claims-paying ability of the issuing company.
**Policy
loans and withdrawals may reduce the policy’s cash value and death
benefit and may results in a taxable event.
This
information is not intended as tax or legal advice. Please consult
with your Attorney or Accountant prior to acting upon any of the
information contained in this article.
Tuesday, June 2, 2015
Thursday, May 28, 2015
Friday, May 22, 2015
Happy Memorial Day! Join us on 6/8 for Wine Women and Wealth in Carlsbad!
Wine, Women and Wealth Carlsbad
Grab a girlfriend or two and come out to meet new people, make new friends and share a little about your business with some wine tasting. Learn ways to make smarter financial decisions and build confidence among the women community
Tuesday, May 19, 2015
May Money 101 Starts TONIGHT!
Be my guest for lunch or dinner this week! http://myemail.constantcontact.com/May-Money-101-Starts-TOMORROW-NIGHT-.html?soid=1103559743440&aid=7DqSLMQJx9E
Tuesday, May 12, 2015
Monday, May 11, 2015
Thursday, May 7, 2015
Living Benefits! Do you have the old type of life insurance or the new?
My job is helping families and Living Benefits are the reason I love doing what I do. This amazing new video explains why they're the "new kind" of Life Insurance, and if you watch it, you'll see for yourself why I'm so passionate about my work. Check it out! https://youtu.be/e7t0B2oDPWE"
Monday, May 4, 2015
Money 101 in May! Be my guest!
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Friday, May 1, 2015
Monday, April 27, 2015
Monday, April 20, 2015
Does your retirement seem blurry?
I’ve got solutions to help you see with clarity.
Planning for your retirement doesn’t have to be filled with uncertainty and complex strategies. I can help you build your retirement savings without subjecting your funds to market risk.
I offer protection from life’s greatest risk – outliving your income.
Stop squinting to see your plan for the future. I can make your vision for retirement crystal clear.
Are you looking for life insurance and the potential for tax-free retirement income options?
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Saving For College
The cost of college tuition, room and board can vary widely depending on a number of factors, and continues to rise faster than inflation and wages. In the event your children aren't awarded full scholarships or become professional athletes, it's important to have a savings plan in place as early as possible.
College costs may seem overwhelming, but starting early with a regular savings plan can help you be prepared. While income limits will be factored in, federal or private loans and grants may be available.
When saving for college, it's important to note that you should never put it before your saving for retirement. You can get a loan for college, but you can't get a loan for your retirement.
Friday, April 17, 2015
Friday, April 10, 2015
Money 101 & More!
I spent the afternoon yesterday in Orange County at ewomennetwork. The Founder of ewomennetwork was our speaker for the day. I was seated at her VIP table, awesome! She always has great advice, R&D, Rob and duplicate, focus on your cash cow, etc. As business owners we always want to do everything ourselves, type As. We shouldn't, we should only focus on what makes the cash register sing. If you are looking for an amazing one of a kind networking experience, you must check out ewomennetwork. There's a patented process of networking we do there. Every yr there's a conference in Dallas, this yr will be the 15th annual. It's way fun! I will be going for my 5th time I think it is? Enjoy your weekend! I will be spending mine doing our taxes. I would love to see you at one of my upcoming complimentary Money 101 events:
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We go to school for 12 to 16 years and learn reading, writing, and 'rithmetic, but we never learn How Money Works! We're inviting you to a FREE workshop. This isn't a sales seminar, it's an educational setting. Bring your notepad, grab a bite to eat, and listen to the fundamental principles of money. Learn how to GROW and PROTECT your money for college tuition, retirement planning, or simply wealth accumulation - with money you never knew you had. View our California event calendar here.
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