Finances For Life - Carlsbad CA financial planner|asset protection|investment strategies

Integrating your Life and Money

Finances for Life, LLC is an independent financial planning firm founded with you in mind, our only focus. We provide unbiased comprehensive financial planning and wealth management services to San Diego and North County Coastal families, medical professionals, business owners and retirees. We are located in Carlsbad, CA and also serve clients in Illinois, Idaho and Maryland.

My name is Lucille Shaw, President and founder of Finances for Life, LLC.  I would like to personally welcome you to finances4life.com.  We created this website as a way for you to get to know us and help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the value of what we do and how we can help you get from where you are to where you want to be.

We are here to help educate you about the basic concepts of financial management; to give you fast easy access to market performance data; and to make recommendations regarding your financial choices.  It is our hope that you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we would not want you to miss any developments in the area of personal finance. For a free no obligation initial consultation, email us at lucille@finances4life.com or call us at  877.335.4110.  We look forward to hearing from you.

 
Calculators

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Savings Accumulation

Estimate the future value of your current savings.

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Newsletters

Federal Estate Tax Is Much Lower — For Now

The federal estate tax was repealed in 2010, then reinstated by the 2010 Tax Relief Act with new provisions for 2011 and 2012. This article discusses the temporary provisions, the options for estates of 2010 decedents, and potential changes in future years that could subject many more estates to the federal estate tax than under current law.

Protecting What May Be Your Most Valuable Asset

Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

Bring Your Life Insurance Home From Work

Only 44% of American households have individual life insurance, a 50-year low. Many workers have life insurance as an employee benefit, however relying on a group policy could mean that coverage ends should a worker's job situation change. This article examines the benefits of term individual insurance and permanent life insurance.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

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