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

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

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Newsletters

HOT TOPIC: Are Housing Troubles Standing in the Way of Growth?

In the wake of past recessions, the housing industry provided a meaningful economic boost. This time around, the pace of the recovery has been more sluggish than expected, and ongoing weakness in the housing sector may be to blame.

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

Lessons from a Perilous Year

In retrospect, 2011 was a formidable year for catastrophes. Small businesses can be hit hard when extreme weather or a natural disaster causes damage or forces a temporary closure. This article considers the importance of adequate insurance protection and ways to help reduce uninsured losses.

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

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