Western States Financial

Ever wonder about the differences? Your 401(k)? Or an IUL? Show me the benefits and how they work... PLEASE! This provides an excellent explanation comparison ... Click & watch this vlog & blog about 401(k) vs. IUL : Where Should You Put Your Money? https://www.moneyscriptmonday.com//401k-vs-iul-where-shoul Schedule a FREE call to see what's best for you by calling John @ (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did!

I can have Guaranteed Income MY ENTIRE LIFE Yep, YEP & YEPPA! Protected Retirement Income... IT NEVER RUNS OUT Let's finish the NEVER ENDING RETIREMENT INCOME. Let's talk more? ... We'll focus on... "WHAT CAN AN ANNUITY DO FOR YOU!" You might find this TOTALLY AWESOME... Click & watch this vlog & blog Using an Annuity to Overcome the Four Retirement Income Risks (Part 2 of 2) https://www.moneyscriptmonday.com//using-an-annuity-to-ove YES, this is TRUE! Would you like a FREE Investment Portfolio Comparison with John? Call (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did.

Protected Retirment Income... Pays out & NEVER RUNS OUT? Annuities can provide NEVER ENDING RETIREMENT INCOME? Wanna hear bout it? ... Let's focus on... "WHAT CAN AN ANNUITY DO FOR YOU!" You might find this EXTREMELY AWESOME... Click & watch this vlog & blog Using an Annuity to Overcome the Four Retirement Income Risks (Part 1 of 2) https://www.moneyscriptmonday.com//using-an-annuity-to-ove Yep... Really! Would you like a FREE Investment Portfolio Comparison with John @ (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did.

What TRUTH you NEED to know about Annuities Annuity Myths? So what's the TRUTH? Do they provide protection of your Retirment Savings?... You might find this literally EYE OPENING... Click & watch this vlog & blog: The Truth About FIAs: Myths vs. Realities https://www.moneyscriptmonday.com//the-truth-about-fias-my Yep... Really! Americans today are really experiencing a greater responsibility to ensure their own retirements and their own futures. For a FREE Investment Portfolio Comparison with John, Call (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did!

Medicare Enrollment is OPEN until Dec. 6, 2020. Call John @ (951) 371-7608 Get involved and learn what is new with Medicare and make sure that your needs and your family's unique needs are covered for 2021.

Ever wonder how an IUL works? Are there Guarantees? Can Zero be your Hero? Can it work for me? ... This is an excellent overview of Indexed Universal Life Insurance... and its upside aspects. Click & watch this vlog & blog about "IUL Crediting Strategy: Guarantees, Credits and How it All Works." https://www.moneyscriptmonday.com//iul-crediting-strategy- If you have the wrong life insurance, when do you want to know? Schedule a FREE review to find out if an IUL will work for you by calling John @ (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did!

Please help Western States Financial Celebrate Our 26th Year Anniversary of being in business by clicking "LIKE" on our page. Many of you are already Followers of our Facebook page are our Customers, Family & Friends. We APPRECIATE each and everyone of you! PLEASE go to our webpage and CLICK "LIKE" in Celebration of our 26th year!

Will you have a great Retirement? What will my taxes look like then, compared to now? Will I have enough to make it? What deductions do I have today that I will not have in Retirement? This is a great review of Retirement regarding your Biggest Expenses, your Deductions and Taxes. ... Click & watch this vlog & blog about "The Impact of Taxes in Retirement." https://www.moneyscriptmonday.com//the-impact-of-taxes-in- Schedule a FREE CALL with John @ (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did.

IUL - Indexed Universal Life Locking-In Tax-Free Gains? What's that all about? How does that work?... And it's my money! This is an excellent view of Indexed Universal Life Insurance... and some of its interesting options & flexibility Click & watch this vlog & blog about: How You Can Lock in Tax-Free Gains (ANYTIME) Using Indexed Universal Life. https://www.moneyscriptmonday.com//how-you-can-lock-in-tax If you have the wrong life insurance, when do you want to know? Schedule a FREE review to find out by calling John @ (951)371-7608. Or go to - https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did!

Have you ever thought of your Retirement as going on a Trip or a Journey in life? Use our 5 Step Protected Income Process (GPS) to know: Where you are at today?, Where do you want to be or end up in Retirement?, and How you're going to get there? We can help give you the peace-of-mind you are looking for as we will work with you to create your unique financial strategy & plan for success. Thus getting you to your desired Retirement destination that you are looking for to li...ve out your life and purpose. Call John & (951)371-7608 Email: [email protected] Book an Online Appt. at: www.westernstatesfinancial.com/John

Medicare Open Enrollment is from October 15, 2020 - December 6, 2020. Need help to better understand the available Medicare options that would best meet your & your family's unique specific needs?... then call John @ (951)371-7608. Are you almost turning 65 years old? Needing to sign-up for Medicare for the first time?... then call John @ (951)371-7608.... Visit our website @ https://www.westernstatesfinancial.com/medicare.html We are hear to help & guide you while you live your life to the fullest!

Is there such a thing as a Financial GPS? - Ever wondered where am I currently at? - Where am I going? - How much will I need monthly in Retirement, or from Social Security and during the rest of my life? ... This is a great review of Social Security and creating your optimal Retirement Strategy... Click & watch this vlog & blog about: How to Get the Most Out of Social Security https://www.moneyscriptmonday.com//how-to-get-the-most-out After watching, TAKE THE NEXT STEP and Schedule a FREE CALL with John @ (951)371-7608. Or go to: https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did!

Medicare Enrollment Period begins on Thursday October 15, 2020 and ends on Monday December 7, 2020. I am, John Weyhgandt - CEO of Western States Financal. As a Licensed Professional for Medicare, I can help you to: 1) look at your medical needs, 2) find the plan that best meets those needs, and 3) help you to easy enroll in your selected plan. That is what I am here for... to lend expertise to your specifc needs so that you are covered when you could need it the most. Call ...John @ (951) 371-7608, or Email me at: [email protected] See more

Ransomware: This is a growing cybercrime. Ransomware is malware targeting human and technical weaknesses to infect a potential Victim's computer, network, or server. Malware is a form of invasive software that is often frequently inadvertently downloaded by the User. Once downloaded, it tracks keystrokes and other computer activity. Once infected, ransomware looks for and locks critical or sensitive data with its own encryption. In some cases, entire computer networks can be ...adversely impacted. Victims generally aren't aware of the attack until they try to access their data, or they receive a ransom request in the form of a pop-up window. These Criminals don't want to be traced so they frequently use anonymous messaging platforms and demand payment in virtual currency such as Bitcoin. Cybercriminals might use a phishing email to trick a potential Victim into opening a link or attachment containing the ransomware. These may include email solicitations to support a Fake COVID-19 Charity. Cybercriminals also look for system vulnerabilities where human error is not needed to deliver their malware. The IRS and its Security Summit Partners have advised Tax Professionals and Taxpayers to use the free, multi-factor authentication feature being offered on tax preparation software products. Use of the multi-factor authentication feature is a free and easy way to protect Clients and Practitioners' offices from data thefts. Tax software providers also offer free multi-factor authentication protections on their Do-It-Yourself products for Taxpayers.

Payroll and HR Scams: Tax Professionals, Employers and Taxpayers need to be on guard against phishing designed to steal Form W-2s and other tax information. These are Business Email Compromise (BEC) or Business Email Spoofing (BES). This is particularly true with many businesses closed and their Employees working from home due to COVID-19. Currently, two (2) of the most common types of these scams are: 1) the gift card scam and 2) the direct deposit scam. In the gift card sca...m, a Scammer’s compromised email account is often used to send a request to purchase gift cards in various denominations. In the direct deposit scheme, the Fraudster may have access to the Victim's email account (also known as an email account compromise or "EAC"). They may also impersonate the potential Victim to have the Organization / Business change the Employee's direct deposit information to reroute their deposit to an account the Fraudster controls. BEC/BES scams have used a variety of ploys to include requests for wire transfers, payment of fake invoices as well as others. In recent years, the IRS has observed variations of these scams where fake IRS documents are used to lend legitimacy to the bogus request. For example, a Fraudster may attempt a fake invoice scheme and use what appears to be a legitimate IRS document to help convince the Victim. The Direct Deposit and other BEC/BES variations should be forwarded to the Federal Bureau of Investigation Internet Crime Complaint Center (IC3) where a complaint can be filed. The IRS requests that Form W-2 scams be reported to: [email protected] (Subject: W-2 Scam).

Offer in Compromise Mills: Shame On You! Taxpayers need to wary of misleading Tax Debt Resolution Companies that can exaggerate chances to settle tax debts for "pennies on the dollar" through an Offer in Compromise (OIC). These offers are available for taxpayers who meet very specific criteria under law to qualify for reducing their tax bill. But Unscrupulous Companies oversell the program to Unqualified Candidates so they can collect a hefty fee from Taxpayers already strugg...ling with debt. These scams are commonly called OIC "mills," which cast a wide net for Taxpayers, charge them pricey fees and churn out applications for a program they're unlikely to qualify for. Although the OIC program helps thousands of Taxpayers each year reduce their tax debt, not everyone qualifies for an OIC. In Fiscal Year 2019, there were 54,000 OICs submitted to the IRS. The agency accepted 18,000 of them. Only 33% of all OIC’s submitted were approved. Individual Taxpayers can use the free online Offer in Compromise Pre-Qualifier tool to see if they qualify. The simple tool allows Taxpayers to confirm eligibility and provides an estimated offer amount. Taxpayers can apply for an OIC without third-party representation; but the IRS reminds Taxpayers that if they need help, they should be cautious about whom they hire. If in doubt, call John @ (951)371-7608 as he knows people that are Enrolled Agents with the IRS that can help assist Taxpayers directly. They have the ability to work with the IRS to review your issue(s), evaluate the options, provide you guidance and help you with a resolution that can work for you and your budget. Whether you owe back taxes or have past unpaid IRS debt, the Enrolled Agent can help you, just like the others of his Clients with their IRS issues. Call because we care! Call and get the help you need to get back on track in life and regain your peace-of-mind. Call (951)371-7608 today!

You might be asking yourself these questions: - When should I start taking my Social Security?. - How much will it be? - How much will I need monthly the rest of my life? ... This is a great review of Social Security and creating your optimal Retirement Strategy... Click & watch this vlog & blog about https://www.moneyscriptmonday.com//how-to-get-the-most-out Schedule a FREE CALL with John @ (951)371-7608. Or go to https://go.oncehub.com/JohnWeyhgandt to scheule an appointment online. You will be glad you did.

Fake Payments with Repayment Demands: Criminals are always finding new ways to trick Taxpayers into believing their scam including putting a bogus refund into the taxpayer's actual bank account. Can you believe that?! Here's how the scam works:... A Con Artist steals or obtains a Taxpayer's personal data including Social Security number or Individual Taxpayer Identification Number (ITIN) and bank account information. The Scammer files a bogus tax return and has the refund deposited into the Taxpayer's checking or savings account. Once the direct deposit hits the Taxpayer's bank account, the fraudster places a call to them, posing as an IRS employee. The Taxpayer is told that there's been an error and that the IRS needs the money returned immediately or penalties and interest will result. The taxpayer is told to buy specific gift cards for the amount of the refund. The IRS will never demand payment by a specific method. There are many payment options available to Taxpayers and there's also a process through which Taxpayers have the right to question the amount of tax we say they owe. Anytime a Taxpayer receives an unexpected refund and a call from us out of the blue demanding a refund repayment, they should reach out to their banking institution and to the IRS. Beware as the Scammers are out there!

Unscrupulous Return Preparers: Selecting the right Licensed Tax Return Preparer is important. They are entrusted with a taxpayer's sensitive personal information. Most Tax Professionals provide honest, high-quality service, but dishonest Preparers pop up every filing season committing fraud, harming innocent Taxpayers, or talking Taxpayers into doing illegal things they regret later. Taxpayers should avoid so-called "Ghost" Preparers who expose their Clients to potentially se...rious filing mistakes as well as possible tax fraud and risk of losing their refunds. With many Tax Professionals impacted by COVID-19 and their offices potentially closed, Taxpayers should take particular care in selecting a credible Tax Preparer. Ghost Preparers don't sign the tax returns they prepare. They may print the tax return and tell the Taxpayer to sign and mail it to the IRS. For e-filed returns, the Ghost Preparer will prepare but not digitally sign as the paid Preparer. By law, anyone who is paid to prepare or assists in preparing Federal Tax Returns must have a Preparer Tax Identification Number. Paid preparers must sign and include their PTIN on all returns. Unscrupulous Preparers may also target those without a filing requirement and may or may not be due a refund. They promise inflated refunds by claiming fake tax credits, including education credits, the Earned Income Tax Credit (EITC) among others. Taxpayers should avoid Preparers who ask them to sign a blank return, promise a big refund before looking at the taxpayer's records or charge fees based on a percentage of the refund. RED FLAGS! Taxpayers are ultimately responsible for the accuracy of their tax return, regardless of who prepares it. Taxpayers can go to a special page on IRS.gov for tips on choosing a preparer.

Scams targeting non-English speakers: IRS Impersonators and other Scammers also target groups with limited English proficiency. These scams are often threatening in nature. Some scams also target those potentially receiving an Economic Impact Payment and request personal or financial information from the Taxpayer. Phone scams pose a major threat to people with limited access to information, including individuals not entirely comfortable with the English language. These calls ...frequently take the form of a "robocall" (a text-to-speech recorded message with instructions for returning the call), but in some cases may be made by a real person. These Con Artists may have some of the taxpayer's information, including their address, the last four digits of their Social Security number or other personal details making the phone calls seem more legitimate. A common IRS impersonation scam is whereby a Taxpayer receives a telephone call threatening jail time, deportation, or revocation of a driver's license from someone claiming to be with the IRS. Taxpayers who are recent Immigrants often are the most vulnerable and should ignore these threats and not engage the Scammers. Again The IRS will not call you!