“SUMUS NOSTRAE FABER FUTURAE”

Latin Proverb

“Any achievable life objective should be designed to meet YOUR specific needs. Not your neighbor’s needs, not your friend’s needs, but YOUR specific needs. Cookie-cutter life designs are not acceptable nor are cookie-cutter life designs successful in trying to achieve yours and your family’s life goals.”

– Stephen R. Facella, CFP®

Inheritance Planning

  • Is my current estate plan in alignment and updated with law changes in regards to my beneficiaries, will, and trust?
  • If I pass away, who is really getting my assets?
  • How do I make sure everything goes as expected with after death transfer?
  • How can I transfer my assets within the laws of estate taxes?

Retirement Cash Flow Planning

  • What age do I want to retire?
  • Do I really understand how long my funds will last me during retirement, or will I run out because of the way I’m investing now?
  • Do I have enough income coming in a month to support my lifestyle? 
  • What is the best way for me to invest at my age and time frame within my personal comfort zone?

Retirement Cash Flow Management

  • What age do I want to retire?
  • Do I really understand how long my funds will last me during retirement, or will I run out because of the way I’m investing now?
  • Do I have enough income coming in a month to support my lifestyle? 
  • What is the best way for me to invest at my age and time frame within my personal comfort zone?

Special Needs Trusts

  • I need to set up a Special Needs Trust for a family member with disabilities
  • Will my assets disqualify me from government benefits?
  • Special Needs Trust creation and structure issues
  • Who qualifies as the beneficiary in a Special Needs Trust?
  • What are some taxation issues regarding Special Needs Trusts?

Investment Risk and Tax Management

  • Do I need more guidance with my investing strategy?
  • Am I going to have enough funds when I need them for my goals?
  • Are my investments increasing my taxes if I don’t need the income?
  • Do I really know all the tax-efficient ways to invest with current tax laws and how they apply to me?

Investment Risk and Tax Management

  • Do I need more guidance with my investing strategy?
  • Am I going to have enough funds when I need them for my goals?
  • Are my investments increasing my taxes if I don’t need the income?
  • Do I really know all the tax-efficient ways to invest with current tax laws and how they apply to me?

*Third parties are not registered with or affiliated with Cambridge.

Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, MemberFINRA/SIPC. Advisory services through Investment Advisor Representatives of Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Your Fiduciary Team and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

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