Preserve Your Assets With CLA Financial Services

 Making it to your senior years with a healthy nest egg is quite an achievement - and not one that you achieved without a lot of hard work. Preserving that nest egg to last through your retirement and beyond takes solid financial planning, something that CLA financial services excel at doing. CLA Estate Services and CLA USA are in the business of helping you preserve the assets you worked so hard to accumulate. To that end, CLA USA, a Texas-based financial services company, offers a wide range of financial products and conservative asset financial advice aimed at helping you shift your assets into protective positions.

 The turmoil in the financial sector has forced many seniors and future retirees to reevaluate the safety of their investments, their retirement funds and the legacy they'd expected to hand down to their heirs. With the value of so many investments dwindling and the unsavory activities of many other financial "planners" in the industry, it's hard to know who to trust with your future plans. Logic dictates that those who cheat seniors and retirees don't remain in business for long. CLA has been offering financial services and financial advice to seniors for over 20 years. In a business that seems to attract get-rich-quick schemers and opportunists who prey on the financial worries of seniors, 20 years of service in the financial industry is a record of which CLA is rightfully proud.

CLA Estate Services include the various types of financial instruments that help seniors preserve their asset, advice on how to structure your estate to reduce or eliminate taxes and ways to ensure that your assets are transferred to your surviving spouse and children, or distributed in the way that you choose for them to be distributed. After all, you earned those assets through years of hard work. Why shouldn't your wishes for their distribution be honored when you pass on?

The goal of every CLA USA representative is to help you decide the best way to safeguard your assets and assist you in making your way through the complex financial instruments available to you. CLA's financial services agents will happily consult with your tax accountants and your attorney to help structure a plan that will preserve your estate for your heirs while providing you with the security to live out your retirement in comfort and health. And in the end, isn't that exactly what you've worked for all of your life?

CLA USA and Wealth Preservation Services

The law provides many ways for people to safeguard the money they've saved for retirement and to pass on to their children, but many people fail to take advantage of those provisions. Many people mistakenly believe that estate planning and preservation considerations are only for the wealthy. The truth is that estate planning is for any person who will leave behind an inheritance to his or her heirs and who wants to ensure that those heirs receive as much of that inheritance as possible. CLA Financial Services has made it a mission to educate seniors and retirees about the asset financial advice options available to them, and to assist seniors in finding the best tax shelters and retirement investments for their individual needs.

While many other financial services that concentrate on seniors are inundated with complaints and fraud allegations, CLA USA is proud to have maintained an A+ rating with the Dallas Better Business Bureau, and is an Accredited Business with BBBs in other states in which they operate. Learn more about investing for your future and for the future of your children and heirs with asset financial advice. Contact a CLA Financial Services agent to find out how you can take advantage of the many shelters the law allows.

CLA USA Shows Seniors How to Plan for the Future

After a lifetime of hard work and saving, you deserve the security of knowing that you will be financially secure throughout your retirement and your family will be protected when you're gone. CLA Financial Services, a provider of financial planning products understands your concerns and your needs. That's why they offer a wide variety of financial products with a focus on asset financial advice strategies that will preserve your nest egg for when you need it the most.

CLA USA understands that making sure you and your family have the assets you need is one of your most important priorities. They also understand that it's not easy to trust everything you hear about investment opportunities. There are so many scam companies out there that have sprung up in recent years to take advantage of seniors. CLA USA has been in business for over 20 years. They're no fly-by-night seller of unsuitable financial products. In fact, CLA USA is proud to hold an A+ rating with the Dallas/North Texas Better Business Bureau, and is an Accredited Business by the Better Business Bureau in every region it operates.

Estate planning and financial planning are two separate things, but they work together and should be thought of together as “Retirement Planning”. The intent of retirement planning is to ensure that you have the assets you need to live out your retirement comfortably. Many television ads and other advertisements for seniors all focus on healthy and fit seniors indulging in their childhood dreams, but retirement planning is about more than making sure that you have a steady income stream after you retire. There are other concerns that don't often get dealt with in the happy television ads.

Statistics show that 2 out of 3 seniors eventually require long term care or suffer a debilitating illness, but only 1 in 10 makes financial provisions for that care in advance. CLA Financial Services offers financial products that can help you in securing your future against all eventualities. The company's agents can help you understand the various types of insurance products you can use to safeguard your assets without jeopardizing the care you might someday require.

Seniors estate planning includes making decisions about surviving spouse benefits and arranging your assets to ensure that they're transferred to your heirs with as little loss as possible. Working with an agent from CLA USA can help you safeguard your assets through the conservative financial planning products and asset financial advice that are right for your situation.

Take Care of Estate Planning Easily

At CLA Estate Services, we understand how overwhelming and confusing the topic of estate planning can be to someone. We offer educational workshops on a variety of different topics all over the country and these workshops are designed to take the guesswork out of planning for your estate. Dying without leaving behind a will, trust or other legal documentation is a costly and timely mistake you will want to avoid and with our help, you do not have to let this happen to you.

We all do not like to think about the fact that someday we are going to die, but it is an inevitable reality which must be dealt with, because if we don't, we are cheating our family out of the benefit of knowing what to do when it happens. Estate planning involves deciding on how and to whom your assets will be divided, deciding on who you trust to manage your affairs, deciding on medical directives, appointing executors or successor trustees and many other issues. At CLA Estate Services, we know how difficult these issues can be to understand, which is why our workshops address these matters providing you with information you can use to navigate through this process.

Another major issue to address is what happens when you are no longer capable of taking care of yourself. Incapacitation is a real factor considering that we are living much longer. Mental disease, like Alzheimer's, incapacitation and dementia are real issues that we must address. Of course, these are all pointedly tough issues, which many people are quite uncomfortable thinking about, must less talking about. To best plan for the unexpected, you should understand that advance planning and receiving asset planning advice now will help you to have a plan of action in place if anything horrible like this were to happen to you.

CLA Estate Services provides educational workshops which will address these types of issues and the importance of estate planning. You will receive important information about the options available and their drawbacks. You want to do all you can to protect your family, so be as proactive about your death as you are about your life and take matters into your own hands today. At CLA Estate Services, we are here to guide you through this process and give you a peace of mind knowing that everything has been taken care of.

Estate Planning: Are you Prepared?

One of the greatest myths in the arena of estate planning is that only the wealthy have a reason to plan for the future. This is just not the case. At CLA Estate Services, we are dedicated to helping people understand that estate planning is absolutely vital for anyone. We must all face the inevitable, that at some point, we will not be around to help our spouses or our loved ones. With proper estate planning, one can be assured that their wishes will be carried forth upon their incapacity or death.

While we are still able to do so, this is the time to sit back and think seriously about your estate and ask yourself some serious questions. Who do you wish to inherit your assets? Who do I trust to handle my affairs if I become unable to take care of myself? Who do I trust to make decisions regarding my medical care? At CLA Estate Services, you can rest assured that you will have the resources to answer these questions and implement an estate plan which will ensure that your wishes are carried out.

For most people, there are three common ways to do estate planning. First, do nothing and a judge and state laws will decide who takes care of you and who will get your assets after you pass away. Second, is the widely used Last Will and Testament. A Will is a good starting point. It will outline who you want to give your assets to upon your death. A primary drawback of a Will is that it needs to be probated. Probate is the legal process of proving up a will and the entire process is overseen by a Judge. Unfortunately, probate can be a timely and, sometimes, costly process. How much and how long? The answer to that question is unknown. Another limitation to a Will is that it only operates upon your death and does nothing to help you in the event you can no longer take care of yourself. Called "Living Probate", in the event of your incapacitation, a guardianship or conservatorship must be established and is overseen by a Court. This can also be costly and time consuming process. Further, you have no control over who the Court will assign to handle your estate.

The third most commonly used estate plan is called a Revocable Living Trust. One of the biggest myths is that a Trust is only used for wealthy people for tax planning. This is just not the case. A Trust addresses most of the issues regarding estate planning. It will allow you to maintain control over your assets when you die or when you become incapacitated. Upon your death, the Trust will direct someone you trust to distribute your assets to your heirs as you have directed. It eliminates the probate process, so the oversight of a judge is not required. It also eliminates the unknowns regarding the time and cost of probate since a Trust is not probated. Further, a Trust eliminates the need for a guardianship or conservatorship in the event of your incapacitation. The Trust will direct someone that you have designated and trust to take over the management of your assets in your Trust. While CLA Estate Services cannot tell you which legal estate plan is best suited for your needs, we will educate you regarding your choices so that you know what questions to ask of your attorney. Remember, only a licensed attorney can advise you and draft a legal estate plan that is in your best interest.


We invite you to talk to a CLA financial services representative to help you better understand the need for estate planning and to show how the services of CLA Estate Services can lead you through this process in order for you to have the peace of mind you deserve.