Clarice Couey, CFP

Have your ever wondered what you should do with your previous 401k plans? Here I am with Katie Clunen, Family Law attorney. discussing your options and what to consider.

"It’s important that our money reflect the history and diversity of our country.

The explosion in price is tied to reduced capacity at the game due to coronavirus restrictions. Still, 22,000 people are expected to attend, 7,500 of which are vaccinated medical personnel who will be receiving free tickets, according to the #NFL.

Thanks for a great year, and we wish you all the best as you embark on 2021.

Not sure what's going on with Reddit vs Wall Street? Here's a timeline of the major events. While it’s yet unclear how the story will play out in the long term, it is almost certain to serve as a cautionary tale for years to come.

If someone depends on you financially, there isn’t a better time for life insurance than now. Learn more about how it can help protect you and your loved ones. You can copy and paste the URL to learn more about the different types of life insurance. https://bit.ly/3nxhi7K

What did the U.S. search for in 2020 according to Google? This chart shows the most common search terms. I love how the continuous need to check that Kansas City is in fact in Missouri also tops the list!

Are you considering getting married or know someone that is in 2021? Here are a few items I recommend couples discuss prior to marriage. 1) Be open and honest about your debt. It's not good to start off a marriage without being fully transparent. 2) Pay ahead. It's probably not possible to pay off your car or mortgage before marriage, but it's a great idea to pay off any smaller debts to start off on a clean slate. 3) Set up auto payments. Each person has their own bills a...nd it may be easier to manage if you are set up on auto payments for household expenses such as utilities. 4) Joint checking account-Some couples plan to keep bank accounts separate and that's ok. However, I think there should be at least one joint account for the household for the what-if's in life. Also, you can give each other some accountability to your spending. 5) Set up a family savings account- This is similar to #4, but this is for a specific goal like a down payment or vacation fund. 6) Talk about your philosophy regarding money. Are you spender or a saver? Do you see money as way to create security or a reward for your hard work. You don't have to agree 100%, but you should know how your partner feels and talk about how money was managed in your own household growing up. 7) Considering hiring a financial professional for a financial plan to address these issues if you find that you need help. See more

If your employer plan allows for it, it could be beneficial to auto escalate your contrbution 1-2% per year each year until you hit your target amount! Learn strategies to help your employees save more and encourage any non-participants to enroll in your provided plan. I can help with creating an employer retirement for your company! #401k #403b #SEPIRA https://bit.ly/33VGVWL

Stay the course toward your long-term goals. Learn tips for taking charge of your finances during a volatile market. No matter your situation as a saver, these strategies can help you face uncertainty and stay on track for your long-term goals. https://bit.ly/2XS4q0B

Happy holidays? Maybe not for some retailers. Here are projected winners and losers in the retail space this season

During this season, we take time to reflect upon the good things we have, like our partnership with you. We appreciate working with you and wish you a happy holiday season.

Life insurance may be more available and less expensive than what you’d expect, and is something you can’t get once you need it. Let’s talk about incorporating life insurance into your financial strategy today. Let's compare your costs today. #familyprotection #peaceofmind

October is Financial Planning Month! In this video, I share how I became a financial planner and my thoughts on the difference between being rich and creating wealth.

Are you feeling torn between saving for your children’s future and your own? You don’t have to pick between them; I’m here to help you manage and plan for both. https://bit.ly/2G3aNID

Someone struggled for your right to vote. Use it. Susan B. Anthony, women’s rights activist during the suffragette movement in the early 20th century.

With a month to go and coronavirus cases beginning to pick up again, Halloween may be forced to go remote this season. New data shows how nearly a third of parents are forgoing trick-or-treat plans with their child over fears of COVID-19.

If your employer plan allows for it, it could be beneficial to auto escalate your contribution 1-2% per year each year until you hit your target amount! Learn strategies to help your employees save more and encourage any non-participants to enroll in your provided plan. I can help with creating an employer retirement for your company! #401k #403b #SEPIRA https://bit.ly/33VGVWL

Who doesn't like to find $20 in their pocket? Well, I found a client $900 this week! I was meeting with a client who was a little upset and adamant her previous employer kept her retirement money. I asked, "Have you ever looked at the state of CA unclaimed property site?" Sure enough, we searched and there was over $900 in her name. It's easy to do! You never know you might find some lost funds. Here is the link: https://bit.ly/3nm5R2F

The end of the year is approaching and a new one will soon begin, so this is the right time to think about what you have done in 2020 and what you could do in 2021. I can help you from budgeting, investing, family protection, retirement and charitable giving strategies.

Today is my first day as the Kiwanis of Oxnard President. Here I am with outgoing President, Kathy Sullivan. Our motto is Serving the Children of the World.

Meet your match in your employer retirement plan. This is the first rule of employer plans. If you don't, you are leaving free money on the table! Try these strategies to get the best possible employer contributions to your retirement plan. https://bit.ly/3kODTdR

With everything going on in the world, the topic of life insurance has come up often with clients. Here I break down the different types of insurance in a way I hope makes it easy to understand. #giftoflove #LifeInsuranceAwarenessMonth #lifematters

Are you having trouble balancing your debt? This chart shows the percent change in total household debt balance since 2003, adjusted for inflation. The one bright spot of good news shows how credit card debt has scaled back slightly by 15%. I help my clients create a debt management plan and stick to it. #financialcoach #eliminatedebt #createwealth

As an independent planner within Lincoln Financial Advisors, I have created an independent brand, Crescendo Wealth Strategies. I'm still with the same reputable and established broker, but I've created this independent brand to serve my unique client base.

Wow, vinyl has made a huge comeback! I actually received a record player for my birthday this year. The sounds feels more authentic. There is nothing like playing classic rock or R&B on a record player.