CF and Assoicates

02/08/2026

Facing the current economic conditions requires more financial planning strategies. Today groceries are expensive. The prices won't be coming down very soon. Some people have found a way to get an extra paycheck every month. Meet Some of Our Members Who Have Developed a Reliable Income From Home

01/08/2025

Most people try to do the right thing for their family. They work hard to create generational wealth for their family, such as for their children and grandchildren. They put a lot of effort into saving, investing, and creating various financial plans. Some people go that extra mile by creating wills, power of attorney, and living wills documents to be in place should some type of accident or illness happen. Here's a question. Have you ever given a thought about how probate court and attorney costs will impact all your financial plans. I took a snapshot of the probate fees in Duval, FL. Now I don't know about your area, regarding the attorney fees for handling a probate case. I am not an attorney or trying to give legal. Here's an example of how I handle things. One way to reduce probate costs is to create a "Revocable Living Trust". Using Attorneys can get very expensive! I use an online tool to create my "Revocable Living Trust". This tool was created by a group of attorneys and software programmers. All the documents are in compliance for the laws of each state. It allows an individual to create their own "Revocable Living Trust" from the comforts of their home. There's a concierge service to assist you with putting together your own revocable living trust. What I recommend is to look up the probate costs in your area and check out the costs of using an attorney to create a revocable living trust. You know Estate planning is for everyone.... I felt so strongly about this tool for myself. I became a licensee, so I can use this tool to help my clients. Use this link to look at things and make your own decision: www.MyLegacyLock.com/a/CarlFletcher

12/04/2024

This is a long read. I wish to express my gratitude and thank everyone for their prayers and support. I am feeling so much better. Unexpected illness can really take a person through some things and bring to awareness our limitations. I was prescribed a prescription that cost over a thousand dollars, luckily my health insurance plan covered all the costs. Unfortunately, I transmited the illness to my wife and her insurance plan only covered a fraction of the cost, leaving an out of pocket cost of $359. Today I was able to see God's glory and how he's blessed us. In this country health care resources are distributed to people based on their financial position and respectfully not everyone has the same financial equity. This short-term illness exposed the finanical risk that we all have to face in this country's approach towards health care. Recently in the news the Republicans are bringing up the conversation of making changes to Medicare and Social Security. These are the two safety nets that were put in place by previous administrations for the welfare of the United States citizens, who relied upon these resources for their retirement. Medicare was put into place in 1965 and Social Security was enacted in 1935. These programs were funded by taxpayers through the F.I.C.A. taxation act. In the finanical arena, we refer to this analogy concept called the "three legged stool" it consisted of our personal savings, pension (pension are no longer offered to people only have a 401k or 403b account), and social security. Well folks, what happens to a "stool", when one of the legs are removed? Are you prepared to replace the missing "leg"? How would it change your life? You may need to consider creating a fix-it plan of action, so you are prepared for whatever happens. I have a fix-it plan in place and it worked. But now I will have to revisit the plan to adapt to what the future holds. If you desire help putting together a "fix-it plan", please let me know. I will be happy to assist you and show you what I did.

11/07/2024

Read the Book of Luke 16:10-11 GNTD "Whoever is faithful in small matters will be faithful in large ones; whoever is dishonest in small matters will be dishonest in large ones. If, then, you have not been faithful in handling worldly wealth, how can you be trusted with true wealth? Take a moment to consider this aspect, what happens when you are incapacitated to your finances? Who's plan do you want, Government plan or your plan? This website might be helpful and provide you with the information. www.MyLegacyLock.com/?assoc=CarlFletcher

10/22/2024

Need your document notarized? Book your appointment for service from wherever you are:

Notary Service

06/26/2024

Lesson II - Estate planning - Wills

A Last Will and Testament - also known simply as a Will - is a legal document in which an individual (the testator) states how they want their property to be administered and distributed at death. In the absence of a will, state law determines how the estate will be distributed. Wills contain a list of assets, the names of beneficiaries, the name of the guardian for any minor children, and the name of the individual with the responsibility to execute the terms of the Will. This individual is referred to as the executor. States commonly require wills to be in writing and signed by the testator in the presence of at least two witnesses (often notary publics).

Have you budget for the cost of getting a will done? Do you know what the probate cost will be for your family and love ones from the attorneys and probate court? This is definitely something to think about and there may be other options. Stay tune as I share more information in the coming future. If you like more information, please reach out to me. As a licensed insurance agent that works with a group of professionals (National Life and other legal experts) we can help you. Reach me at (904) 716-6781 or email: [email protected]

06/21/2024

A law firm sent me this email advertisement today.

" My Dad's in the ICU, and He Needs an Estate

Several times a year, I receive a telephone call that goes something like this: “Hello, my friend gave me your name and I really need your help,” the caller says.

“My dad needs a Will…and a Durable Power of Attorney. And while I’m thinking of it, he should also have a Health Care Surrogate.”

This made me think, about all the people I have helped over the past years.

Understand estate planning is a very important component in a individual financial plans. Most people do not or have not even considered getting these types of things done. Some people feel they have time to get it done, so they procrastinate by saying, that they will get it done tomorrow or later. Guess what happens, later or tomorrow seems to never come. Until something bad has happened, you've gotten sick, had an accident, or your family has to hire an attorney and go to court for the appointment of a family member or probate court that turns into a costly unplanned expense.

Then there's people, who have made smart financial decisions, they got their revocable trust, powers of attorney (financial and medical) and life insurance plans properly put together. Now they and their families all have a peace of mind and have reduced some of the probate expenses or any financial hardships.

I work with a group of professionals and companies, where we help people all over this country put these types of things in place. Here's the great thing, most of these services can be perform online from your computer, laptop, or smartphone, no traveling, and it's convenient. Take action today, schedule a free consultation session with me.

06/20/2024

Over the next coming weeks I will be posting a series of videos. I hope you will find these videos useful and informative. If you have any questions, I want you to feel free to contact me at [email protected] or (904) 716-6781. There's no commitment or cost to speak with me, just pick up your phone or send me an email. I will be happy to talk with you.

Lesson for Life (And Death) Building Your Legacy With Life Insurance

06/03/2024

"Naming a Minor as a Beneficiary: What are the Problems?
Consider some of the alternatives...
Did you know:

Naming a minor child or children as beneficiaries of a life or annuity policy can make the claim process very complicated upon the death of the named insured? A minor is not entitled to receive the gift or share of the deceased estate until they reach the age of 18 or 21, depending on state law.

Because minor children cannot directly receive the proceeds of the life or annuity policy, the named owner can designate an adult to manage the money until the minor is old enough to be responsible for it. If an adult is not designated as the legal guardian, National Life would require guardianship paperwork for the estate of the minor, which could be a lengthy and costly process.

Here at National Life, without documentation of a guardian or conservator for the child, the funds are held in an account until the minor reaches the age of majority which, depending on the age of the child at the time of the policyholder’s death, could be several years.

What are some of the alternatives to naming a child as a beneficiary?
Below are three options available to policyholders:

Name an adult guardian
Example: (guardian/custodian name) as custodian for (minor’s name)

Open a Uniform Transfers to Minors Act (UTMA) account
Establish a trust for the minor" (Reference source: National Life Group).

I have helped a number of my clients to fund their trusts so they can pass their wealth to their minor(s). I am not an attorney, nor giving legal advice. As a license insurance agent, I work with attorneys and other professionals to help clients make good financial plans and decisions. As a Certified Trusted Signing Notary Public, I help people notarize their important estate documents as well. Have questions, please feel free to contact me.

03/29/2024

I pray that everyone have a safe and blessed Easter Holiday🙏🏿