With Wealthcare, advisors are equipped and empowered with the tools they need to build their market footprint.
Each month we will boost your marketing collateral with an email, corresponding article, and 2 social media ads. We have also included QRG’s for customizing and posting these pieces along with our Practice Management and Build You Brand interactive guides which can be used to build upon the marketing strategy we have started here.
To view our complete marketing suite, please visit our Marketing Landing page or contact marketing@wealthcarecapital.com.
July 2023
Kids College-Bound? Let’s Talk Money.
Article
- Kids College-Bound? Let’s Talk Money.
- Have you considered EVERY option for college financing?
Email body:
Thinking ahead about college for your child?
Financing a college education is often the culmination of years of family research and resourcefulness, and the result should be highly personalized.
To get the inside scoop on the best ways to help finance a college education, we interviewed Margaret Bolton Baudinet, CEO of CollegeSolutions.com, and Andrew Windham, Founder and CEO of The College Planning Institute.
They offer thoughtful, savvy advice in this week’s article:
Expert Guidance on Funding Your Child’s College Education
Once you’ve had time to read and digest, consider how a certified financial planner can be a partner in successfully seeing your child off to school while minimizing any long-term financial burden. We can help you conduct a cash flow analysis, determine how much money you’ll need, evaluate financial aid packages, explore all options for funding, and gather critical information to make informed decisions every step of the way.
[Sender’s Name]
Social Post
LinkedIn snippet:
- Given that public college education averages $32K/year and private institutions $50-$90K, families need strategies for saving and financing. Get started with expert insights from two college finance pros in this week’s article: Expert Guidance on Funding Your Child’s College Education.
Facebook snippet:
- 529s, scholarships, loans—oh my! College financing solutions are complex. In this week’s article, we break it all down for you with the help of two seasoned pros who specialize in helping families sort through their options.
Tweet 1:
- 529 Plan? Loan? Grant? Here we discuss the pros, the cons, and so much more on college financing options.
Tweet 2:
- With a child’s college tuition in the hundreds of thousands, you may wonder: how can I afford it? In this week’s article, two college financing pros explain your options.
[Hashtag Ideas:]
#CollegePlanning, #CollegeFunding, #CollegeSavings, #529, #529Plans, #SavingForCollege, #CollegeTuition, #Saving, #StudentLoans, #Grants, #Scholarships, #FinancialAdvice, #FinancialAdvisor, #CollegeAdvisor, #FundCollege, #CollegeFund, #FAFSA, #CollegeEducation, #HigherEducation, #Universities, #CollegeAdvice
Wealthcare Quick Post
LinkedIn and Facebook Post
LinkedIn snippet:
- Life’s milestones shape our journey, but have you considered the financial implications that accompany them? Learn more in our latest article .
Facebook snippet:
- Life moves pretty fast. Have you experienced a major life event recently—and did you feel prepared? Learn more in this week’s article .
LinkedIn and Facebook Post - WCM and WCAP RIA
Able 529 Plans
Do you have a family member with disability-related expenses? Are you afraid saving for their future may cause them to lose government benefits? You may be ABLE to ease some of those financial strains by setting up a tax-free savings account.
The Achieving a Better Life Experience (ABLE) Act of 2014 allows states to create tax-advantaged savings programs for eligible people with disabilities (designated beneficiaries). Tax-free distributions from these ABLE (529A) accounts can help pay for qualified disability expenses. Some of these expenses include but are not limited to education, housing, transportation, assistive technology, employment training and support, financial management, burial expenses, health care expenses, and basic living expenses.
To automatically qualify for ABLE, the individual’s disability must have begun before turning 26 years of age, and they must already be receiving benefits under SSI and/or SSDI.
Contact me for information on contribution limits, rollovers from 529 plans, and how to set up an ABLE account.
Resources:
https://www.ssa.gov/ssi/spotlights/spot-able.html
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Wealthcare Advisory Partners, LLC, a registered investment advisor and separate entity from LPL Financial. The opinions in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Twitter (WCM and WCAP RIA Only. Not approved for use by LPL advisors)
#disability #financialplanning #ABLEtoSave #PwD #disbilityawareness #
JUNE 2023
Major Life Event? Make Sure Your Financial Plan Keeps Pace
Article
- Ready For Life’s Milestones? So Is Your Financial Planner!
- Is Your Financial Plan Keeping Up with Your Life Events?
Email body:
Life moves pretty fast, as Ferris Bueller famously remarked, and in the whirlwind of daily life, it’s easy to overlook the significant life events that shape our financial well-being. While you may have discussed these occasions with loved ones and friends, have you taken the necessary steps to align your financial allocations, goals, and plans accordingly?
In our latest article, we delve into the impact of major life events on your financial security. You’ll:
- Get a checklist of major life events to discuss with your financial advisor
- Discover why it’s essential to routinely review developments in your health, family, and work life
- View examples of how specific life events might impact your financial planning
Don’t let life’s significant milestones catch you off guard. Understanding and proactively managing these events are critical for maintaining financial stability and reaching your long-term goals. By consulting with a financial advisor, you gain a trusted partner who can guide you through these transitions, providing tailored insights and strategies to adapt your financial plan effectively.
Wishing you financial success,
[Sender’s Name]
Social Post
LinkedIn snippet:
- Life’s milestones shape our journey, but have you considered the financial implications that accompany them? Learn more in our latest article .
Facebook snippet:
- Life moves pretty fast. Have you experienced a major life event recently—and did you feel prepared? Learn more in this week’s article .
Tweet 1:
- It’s easy to overlook life events amid a busy life. Use this checklist to identify important life events that may require adjustments in your financial plan.
Tweet 2:
- Don’t let life’s milestones catch you off guard! In this week’s article, find out how to navigate life events and maximize your wealth potential with greater confidence.
[Hashtag Ideas:]
#FinancialPlanning, #LifeEvents, #FinancialStability, #MaximizeYourPotential, #FinanceMatters, #WealthManagement, #FinancialGoals, #MoneyMatters, #FinancialWellbeing, #PersonalFinance, #FinancialSuccess, #InvestmentStrategy, #FinancialAdvisor, #RetirementPlanning, #FamilyFinances, #Homeownership, #CareerTransitions
LinkedIn and Facebook Post
LinkedIn snippet:
- Life’s milestones shape our journey, but have you considered the financial implications that accompany them? Learn more in our latest article .
Facebook snippet:
- Life moves pretty fast. Have you experienced a major life event recently—and did you feel prepared? Learn more in this week’s article .
MAY 2023
Article
- What if you lost your income?
- Do you have an income protection plan?
- Is your income protected?
Email body:
Hi [NAME].
Are you prepared for the unexpected by protecting your biggest asset? Losing your source of income can be a financial nightmare for many families—but few take the necessary steps to protect their earning potential. Your ability to earn income is what allows you to pay for necessities and plan for the future.
Did you know?
- Over 1 in 4 of today’s 20-year-olds will become disabled before they retire.
- 1 in 4 Americans would run out of savings if they were suddenly off work for a month.
Whether it’s a temporary setback or a long-term situation we understand the importance of maintaining a long-term income stream. There are a number of proactive strategies you can take to safeguard your income.
Best regards,
[YOUR NAME]
Social Post
Use the copy below as your social media post and link this months article to it.
Your ability to earn income is what allows you to pay for basic necessities and save for future goals. Read our latest article that offers tips to safeguard your income while living a full life. <read more/link to article>
Facebook snippet
Think phone fraud is an elder abuse crime? Think again! Most victims are men between the ages of 18-44, but telephone fraud can happen at any age, especially with AI cloning technology and one ring call schemes. Get the latest telephone scam stats and find out how to protect yourself. <Learn more/link to article>
- Are you financially prepared for unexpected loss of income? Find proactive strategies to protect your earning potential. <read more/link to article>
- Don’t let illness, disability, or job loss ruin your finances. Explore strategies to safeguard your income. <read more/link to article>
Hashtag Ideas
#FinancialResilience, #IncomeProtection, #ProtectYourEarningPotential, #FinancialFreedom, #SecureYourFuture, #FinancialSecurity, #ProtectYourIncome, #InsuranceCoverage
#LongTermDisability, #SavingsPlan, #RetirementPlanning, #EmergencyFund, #LifeInsurance, #DisabilityInsurance, #FinancialFuture
Wealthcare Quick Post
LinkedIn and Facebook Post - WCM and WCAP RIA
Financial Steps to Take when a Loved One Passes
When a loved one passes, you will want to defer all but the most essential financial decisions. Talking to your financial advisor can help you work through what must be addressed now and what can wait until you are more emotionally settled. Here are a few things that should be done immediately….
- Obtain a death certificate. The funeral director can help you obtain this or you can get it directly from the office of human statistics.
- Contact your financial advisor, insurance provider, and attorney. This checklist will help you gather the items most likely to be requested them. They can help you start the probate process, handle the estate, and make sure assets and death benefits are going to the right beneficiaries.
- Notify the person’s employer (if they are still working), the social security administration, Medicare, Veteran Affairs, or anyone else providing benefits to the deceased.
- Review and update your financial plan. Your advisor can make sure you have enough money on hand to cover current and future expenses, review your cashflows, and take stock of your finances.
And a few others that can wait until you are ready….
- A home is possibly your largest asset but it is not money you can live on. Deciding whether to keep or sell your home will be one of the most emotional decisions you will make.
- Paying for your children’s college. Look at what you currently have saved in 529’s and come up with a strategy for the rest including the role of financial aid options and loans.
Twitter (WCM and WCAP RIA Only. Not approved for use by LPL advisors)
#loss #grief #griefsupport #finances #griefandloss #financialadvisor #wealthcaregdx
LinkedIn and Facebook Post - WCAP LPL
Financial Steps to Take when a Loved One Passes
When a loved one passes, you will want to defer all but the most essential financial decisions. Talking to your financial advisor can help you work through what must be addressed now and what can wait until you are more emotionally settled. Here are a few things that should be done immediately….
- Obtain a death certificate. The funeral director can help you obtain this or you can get it directly from the office of human statistics.
- Contact your financial advisor, insurance provider, and attorney. This checklist will help you gather the items most likely to be requested them. They can help you start the probate process, handle the estate, and make sure assets and death benefits are going to the right beneficiaries.
- Notify the person’s employer (if they are still working), the social security administration, Medicare, Veteran Affairs, or anyone else providing benefits to the deceased.
- Review and update your financial plan. Your advisor can make sure you have enough money on hand to cover current and future expenses, review your cashflows, and take stock of your finances.
And a few others that can wait until you are ready….
- A home is possibly your largest asset but it is not money you can live on. Deciding whether to keep or sell your home will be one of the most emotional decisions you will make.
- Paying for your children’s college. Look at what you currently have saved in 529’s and come up with a strategy for the rest including the role of financial aid options and loans.
(Disclosure for LPL Advisors)
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Wealthcare Advisory Partners, LLC, a registered investment advisor and separate entity from LPL Financial.
The opinions in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
This information is being provided strictly as a courtesy. When you link to any of the websites mentioned or visit any article referenced, we make no representation as to the completeness or accuracy of information provided.
APRIL 2023
Fight Telephone Fraud and Financial Literacy Month
Article
Phone Fraud’s Rising—Can You Spot the Scams?
Email body:
Hi [NAME].f you didn’t fall for a scam by phone last year, congratulations!
1 in 4 Americans did—and the number of fraudulent phone calls is on the rise.
From 2021-2022, 23% more people reported losing money over the phone.
In fact, scammers stole enough money in 2021 to give every person in California $1,000!
Of course, they didn’t give it away…they created a nightmare scenario for 59.4 million people and kept the ill-gained funds all for themselves.
This isn’t to scare you, but rather, to highlight the importance of remaining vigilant when deciding to answer a call from an unknown number.
It’s a common misconception that phone scams only happen to grandma. In reality, the chief targets are men and those between the ages of 18 and 44. And with AI cloning technology, it’s becoming harder to spot the scam.
Check out this week’s article on how to identify and report telephone fraud.
And remember, as your trustworthy wealth management advisor, I am here to help you explore additional ways to protect your money. After all, you’ve worked hard for it!
[YOUR NAME]
Social Post
Use the copy below as your social media post and link this months article to it.
Did you know 1 in 3 Americans have been victims of phone fraud at some point? For most, it’s a financial nightmare. Get the latest scoop on popular scams so you can spot them quickly and save yourself from fraud. <read more/link to article>
Facebook snippet
Think phone fraud is an elder abuse crime? Think again! Most victims are men between the ages of 18-44, but telephone fraud can happen at any age, especially with AI cloning technology and one ring call schemes. Get the latest telephone scam stats and find out how to protect yourself. <Learn more/link to article>
- While April is National Humor Month, there’s nothing funny about getting tricked out of your money by an unknown caller. Check out these tips to prevent yourself from becoming a victim of telephone fraud. <read more/link to article>
- Signing up for the Do Not Call Registry can’t protect you from telephone scams. Find out what can. <read more/link to article>
Hashtag Ideas
#FinancialScam, #TelephoneScam, #CharitableScam, #CharityScam, #TaxFraud, #TelephoneFraud, #FinancialFraud, #FinanceScam, #PhoneScam, #PhoneFraud, #MoneyManagement, #ProtectYourMoney, #BankScams, #FTC, #DoNotCall, #IdentityTheft, #IdentityThieves, #PhoneScammers, #PreventScams
Wealthcare Quick Post
The United States Financial Literacy and Education Commission’s vision is of sustained financial well-being for all individuals and families in the U.S. through their Know and Grow campaign they encourage Americans to make the most of their money by understanding the five principles for managing and growing your money. They are:
EARN – Make the most of what you earn by understanding your pay and benefits.
SAVE & INVEST – It’s never too early to start saving for future goals such as a house or retirement, even by saving small amounts.
PROTECT – Taking precautions about your financial situation, accumulate emergency savings, and have the right insurance.
SPEND – Be sure you are getting a good value, especially with big purchases, by shopping around and comparing prices and products.
BORROW – Borrowing money can enable some essential purchases and builds credit, but interest costs can be expenses. And, if you borrow too much, you will have a large debt to be repaid.
For more information, life event resources, financial checklists, and budgeting worksheets, visit their website at https://www.mymoney.gov/.
(Disclosure for LPL Advisors)
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Wealthcare Advisory Partners, LLC, a registered investment advisor and separate entity from LPL Financial.
The opinions in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
This information is being provided strictly as a courtesy. When you link to any of the websites mentioned or visit any article referenced, we make no representation as to the completeness or accuracy of information provided.
Do you have a vision of sustained financial well-being. Make the most of your resources by understanding the five principles for managing and growing your money. For more information, visit https://www.mymoney.gov/.
#fiveprinciple#financialwellbeing#understandingmoney
MARCH 2023
National Women’s Month and Pay Taxes Now or Later? That is the Question.
Article
National Women’s Month: A Focus on Finances
Email body:
Hi [NAME]. As we honor National Women’s Month and the vital role women play in our society, it’s important to remember the unique challenges women face within our economy.
- Did you know women are the sole or primary breadwinners in 40.5% of American households?
- But that they earn 58 to 82 cents on the dollar compared to men?
- And that 1 in 3 women are considering dropping out of the workforce due to burnout?
So much rests on a women’s shoulders. But as your financial advisor, I can really ease your concerns.
Check out this week’s article for more eye-opening statistics and to learn strategies for investing at every stage of a woman’s life.
You’ll be happy to know women tend to be savvy investors, earning 40 basis points above their male counterparts—once they have a financial plan in place and the support to make informed decisions.
As your financial advisor, I can help you draw up a cash flow sheet that can see you through 100 years old (or more!) and guide you through changes in your lifestyle and priorities. The process is empowering and thoughtful! Let’s discuss.
[YOUR NAME]
Social Post
Use the copy below as your social media post and link this months article to it.
Women earn 58 to 83 cents on the dollar compared to men. In some states, this equates to a $15,000 or more gap in pay. While you can’t change everything, there are many levers within your control to make your money last longer. <read more/link to article>
Facebook snippet
Did you know 40.5% of women are the sole or primary breadwinners of the household? Increasingly, they’re taking the driver’s seat on household finances. Find out what you can control to make your money work earn more and last longer. <Learn more/link to article>
- Did you know women investors perform 40 basis points better in the markets than men? Read this week’s article and get empowered to adjust your financial plan. <read more/link to article>
- In honor of #NationalWomensMonth, we look at some of the unique financial challenges women investors face, such as pay inequity, caregiving responsibilities, and even longevity. <read more/link to article>
Hashtag Ideas
#WomenInvestors, #NationalWomensMonth, #Breadwinners, #WomenFinances, #FinancialChallenges, #SaveMore, #Caregiving, #InvestmentStages, #InvestmentAdvice, #FinancialAdvisor, #FinancialPlan, #WealthAdvisor, #RetirementPlanning, #ProfessionalWomen, #WorkingWomen, #HouseholdFinances
Wealthcare Quick Post
Pay Taxes Now or Later? That is the Question.
When it comes to retirement savings deciding when you want to pay taxes is an important step in your planning process.
Do you pay now using a Roth IRA or Roth 401(k)? This means paying income taxes now on your contributions before they go into your retirement account.
Do you pay later? Your contributions will go into your traditional 401(k) or IRA before you pay taxes and you will pay them later in retirement.
Should you contribute to both?
Is tax efficient investing part of your comprehensive financial plan? Asset location, tax-sensitive rebalancing, timing of tax liabilities on contributions and withdrawals are all things a good financial advisor will consider.
The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.
#GDX360 #TaxStrategies #LessTaxesMoreSavings
FEBRUARY 2023
America Save’s Week and A Penny Saved is A Penny Earned
Article
Turn America Saves Week into a daily habit
Email body:
Hi [Name],
It’s kind of funny that this is “America Saves” Week, right?
You may wonder, “Shouldn’t we be saving EVERY week?”
Deep down, we know the truth: that it’s easy to want—but difficult to do.
There’s always something pulling at our purse strings, clawing at our bank accounts.
But there are 5 ways you may not immediately think of to get started saving more.
What would your Future Self say about your spending habits today?
Let’s dive in with a simple day-by-day approach to change your money mindset.
And when you’re ready to talk about specifics, I’m available at your earliest request.
[YOUR NAME]
Social Post
Use the copy below as your social media post and link this months article to it.
Are you hoping to increase your savings in 2023? Maybe you’d like to go on vacation, retire sooner, buy a new car, or achieve another milestone in the near future. To kick off America Saves Week, try these 5 steps for a more financially confident you. <read more/link to article>
Facebook snippet
February 27th to March 3rd is America Saves Week. Jumpstart your 2023 savings with these 5 steps for a more financially resilient future. It’s easier than you think! Give it a try. <read more/link to article>
Hashtag Ideas
#ASW2023, #ThinkLikeASaver, #SaveMore, #FinancialResilience, #FinancialSavings, #HowToSaveMoney, #Debt, #AmericaSaves, #Savings, #FinancialGoals, #2023Goals, #FinancialPlan, #PayOffDebt, #SaveMoney, #DebtFree, #FinancialFreedom, #MoreMoney, #IncreaseSavings
Wealthcare Quick Post
A Penny Saved is a Penny Earned
When you choose not to spend your money and save it instead, you are up one dollar rather than down one. Investing only one dollar a day, averaging 8% interest, over 40 years could earn you $100,000.
Start by making smarter choices with your money:
- Do you really need that Iced Carmel Macchiato? Can you pack your lunch instead of eating out?
- Buy a generic item instead of a name-brand.
- When buying a big-ticket item, ask for discounts, look for coupons, or wait until it is on sale.
- Cancel un or under used memberships and subscriptions.
- Institute a 24-hour rule. Wait a day before making a purchase to see if you still really want it.
Finally, learn how to say NO. Every dollar you save could end up being important.
#FinancialGoals, #BalancedBudget, #Budgeting, #Budget, #HowToBudget, #BudgetTips, #SaveMore, #WorryLess, #MonthlyExpenses, #MonthlyBudget, #FinancialAdvice, #FinancialAdvisor, #Inflation, #ReduceExpense, #Savings
JANUARY 2022
Saving, Investing and Financial Planning by Age and How Does My Financial Plan Affect My Family?
Article
- Age: how does it affect your financial planning strategy?
- Does your savings and investment strategy reflect your age?
Email body:
Hi [Name],
Age may be “just a number”…
But there’s no doubt it factors into a sound financial planning strategy.
Every stage of life carries its own challenges—and initiatives that can address your concerns and goals.
For instance, in your 20s, you may be able to tolerate more risk in your portfolio, while capitalizing off insurance benefits and workplace perks like a 401(k) with employee matching. Later, you may be concerned about paying for your child’s education, caring for an aging parent, or paying off mortgage debt, while also putting aside funds for retirement savings.
No matter what stage you’re at in life, this week’s article offers tips and suggestions on what you can do today to create a more confident tomorrow.
If you have questions, contact me to help review and tailor your plan. Since situations and priorities change, meeting at least once a year to discuss your strategy is a wise move.
[YOUR NAME]
Social Post
Use the copy below as your social media post and link this months article to it.
Financial priorities change for a number of reasons—including growing another year older. As your financial advisor, I can help you meet the challenges that come with each stage of life to ensure you’re setting aside enough money to fund your retirement and leave a legacy behind. <read more/link to article>
Facebook snippet
Call to Action (CTA) <read more/link to article>
Hashtag Ideas
#NewYearsResolutions #Resolutions, #FinancialResolutions, #NewYearNewYou, #FinancialGoals, #SaveIn2022, #2022Goals, #SaveMore, #Budget, #LegacyPlanning, #2022Resolutions, #GiveMore, #SaveMore, #FinancialPlanning, #FinancialPlanner, #FinancialManagement, #2022Finances #ActionPlan, #NewYear, #Goals
Wealthcare Quick Post
How does my financial plan affect my family?
As an investor you have financial goals: as an individual you have a vision of a life well lived. Those goals and visions take on a whole new meaning when you have a family.
Thinking about your families long-term goals and instituting a comprehensive strategic plan can safeguard your family’s financial future.
Here are a few family milestones that will impact your financial plan (and your insurance coverage needs):
Getting Married
Buying a Home
Having a Baby
Sending your Child off to College
Retirement
Estate Creation
When each of these life events occur you need to consider what you should keep doing, start doing, or change in your financial plan. When life changes and your family evolves your goals and priorities change too. As your advisor it is my job to keep your plan in alignment. Contact me today to discuss any potential changes to your life we need to consider planning for.
#family #advisor #financialplanning #wealthcare
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