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Services

At Money Umbrella LLC, we offer personalized financial education, comprehensive financial reviews, strategic tax-advantaged planning, qualified-plan rollovers, and tailored portfolio diversification strategies—all designed to empower you with clarity, confidence, and control over your financial future.

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Risk Management Checklist

Let’s take a moment to review your current protection portfolio — the foundation of every solid financial plan:

  • Term Life Insurance — Protect your loved ones from the financial impact of lost income due to premature death.

  • Disability Income Insurance — Safeguard your earnings if illness or injury prevents you from working.

  • Long-Term Care Insurance — Preserve your assets, maintain your independence, and ensure access to quality care in your later years.

  • Health Insurance — Protect yourself and your family from unexpected and high medical expenses.

  • Permanent (Cash Value) Life Insurance — Build tax-advantaged savings, protect against market volatility, and strengthen your retirement and legacy planning.

Wealth Accumulation and Investment Strategies

Building wealth isn’t just about investing — it’s about having a coordinated strategy that balances growth, protection, and tax efficiency.


Let’s assess where you currently stand:

  • Emergency Fund — Ensure you have 3–6 months of essential living expenses set aside to handle unexpected events without derailing your financial goals.

  • Short-Term Goals — Plan ahead for upcoming milestones such as your child’s education, a home purchase, or other major life events by aligning your savings and investment timelines.

  • Retirement Plans — Maximize your employer-sponsored benefits — including 401(k), 403(b), or TSP accounts — and take full advantage of matching contributions and tax-deferred growth.

  • Old Accounts — Locate and consolidate old retirement plans from previous employers to gain better control, investment flexibility, and potential cost savings.

  • Balanced Strategy — Design a savings approach that protects your assets during market downturns, captures growth during bull markets, and minimizes tax exposure over time.

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Distribution Strategies and Legacy Planning

Wealth isn’t truly complete until it’s protected, distributed wisely, and passed on with intention.


Here’s what to consider as you plan your legacy:

  • Retirement Account Rules — Understand the penalties, Rule of 55, Section 72(q), and Required Minimum Distributions (RMDs). If you hold retirement accounts such as a 401(k), 403(b), or TSP and aren’t familiar with these rules, now’s the time to learn.

  • Personal Pension Options — Explore income-guaranteed solutions such as annuities — Fixed, Indexed, or Fixed Indexed Annuities (FIAs) — available in both deferred and immediate (income) structures.

  • Balanced Distribution Strategy — A comprehensive plan blends market growth potential, downside protection, tax-efficient income, and longevity planning — so your money lasts as long as you do.

  • Generational Continuity — Transfer wealth effectively with strategies such as life insurance to offset estate or inheritance taxes, updated beneficiary designations, powers of attorney, advance medical directives, and properly structured wills and trusts.

  • Philanthropic & Business Legacy — Create lasting impact through charitable giving, family foundations, or business succession planning to carry your mission beyond your lifetime.

  • Tax Coordination — Align when and how your assets are distributed to maximize after-tax income and preserve wealth across generations.

Not Sure Where To Start?

Reserve a time with me for a complimentary personal financial consultation today!

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