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Welcome to the Good Life!

You & Your Family

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Mission Statement

As a CFP®* my first obligation is to your lifetime financial well being.

“I believe that financial planning is about your values, not just your money.  It is important to develop the right retirement plan, future education savings plan, and business plan for your situation using techniques to manage taxes, access to money, market volatility, and your future financial independence. With sincere appreciation for how hard you work for your money…”  — Merra Lee


Brocker Check Summary

11 months ago
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When you start to pay for your purchases in cash, you will focus on buying what you can pay for in cash and avoid any type of credit card debt.

11 months ago
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Happy Memorial Day! Whatever you may be doing today, take a moment to remember who sacrificed their lives for our freedom.

12 months ago
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When learning to live within your means, avoid the temptations of waiting to compete with your friends or neighbors. Let them have all the super expensive items that are paid for on credit cards!

12 months ago
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Children learn by example. So, how you treat and manage your money is how they are going to learn to treat and manage money.

1 year ago
9 Reasons You Need an Emergency Fund

There are many reasons why it's beneficial to have an emergency fund. Check out a few reasons today and, if you haven't already, start putting money aside for emergencies!

Surely you've heard it before: You need an emergency fund.

1 year ago
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Living within your means, means you need to know the difference between your wants and needs. Before any purchase ask yourself do I really need this? Another good idea is to think about it for 24 ... See more

1 year ago
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Trying to teach your children about money and saving? One way to do this is by giving them saving jars. Have them indicate what they want to buy with the money that is added to each jar, and have ... See more

1 year ago
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To live within your means you need to know where every single penny of your money is going. Track your spending, and at the end of the month sit down and determine if there is anywhere you can reduce ... See more

1 year ago
How Much Should You Save For A Comfortable Retirement?

Something to factor in when saving for retirement is inflation. Plan for things costing more than they do currently when determining how much you need.

This is the second blog in a three-part series that focuses on anticipating and planning for retirement based on your current stage of life and expectations for the future.

1 year ago
Savings Strategies For Different Goals |

When thinking about your saving goals, there are a few you need to think about; your short-term goals, midterm goals and long-term goals. Check out this article to find out what qualifies for each ... See more

You can set aside money for a car, college and retirement just by planning purposefully.

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Practice Focus

Financial Planning

Solid financial planning is the key to pursuing your financial goals. By identifying where you are today and where you hope to be, Merra Lee Moffitt’s team at Good Life Financial Group can help you determine how best to proceed. As an independent financial advisor with access to unbiased research, Merra Lee can implement a plan that can help you pursue your goals. Complete financial planning is the process of putting all your family’s financial pieces together into a balanced written plan. In financial planning, we make sure all the categories of your financial life are addressed. In addition, we answer these financial planning questions:

✓ Am I spending the right amount given my income?

✓ Am I saving and investing in a way that meets my goals?

✓ How much should I spend or save each year?

✓ What is my current net worth and how do the pieces serve my goals?

✓ What do I want to accomplish while on this earth and what is my plan to make that happen?

✓ If money were not a factor, what would I be doing with my life?

✓ Am I using the best retirement plan choices so that I can pursue a great retirement?

Together, we’ll create a written plan that helps you balance the saving, investments and timeframes for all your financial goals.

Retirement Planning

Someday, every one of us will stop collecting a paycheck; we’ll be retired. Retirement planning is making sure you’ll have enough to live the way you want when you get there. Retirement planning is crafting your retirement goals into your unique life. Regardless of whether you are just starting your first job, at the peak of your career, or looking at retirement right around the corner, careful planning will help you make the most of your retirement years. Closer to retirement age, the fine-tuning begins as we convert a lifetime of saving to a lifetime of income, in essence creating our own paycheck. In retirement planning, we answer these questions:

When can I retire?

How much can I spend in retirement?

Where will the money come from each month to pay bills?

How can I make sure I don’t run out of money?

What will inflation do to my spending?

How will marriage, children, job change affect my retirement plans?

How can I get my retirement ‘paycheck’ to go up and keep up with inflation?

What financial surprises should I prepare for?

Should my investment planning change as I get older?

Your retirement plan is unique to your situation and goals. Together we’ll make a written plan that gets and keeps you on track. A flexible plan that we’ll adjust as your situation adjusts.

College Planning Choices

For our kids, grandkids, or ourselves we want a good education so they’ll have great jobs and careers. Often, large amounts of savings are needed to afford good schools, have enough to complete all years required, and get the degrees or certifications we desire. In education planning we answer the questions:

How much will school cost?

How much can or should I save?

Can I start with just a little if that’s all I can afford right now?

If I save too much will it affect financial aid from the schools?

What’s the best way to pay for school?

How can my kids afford to go to the ‘expensive’ school they want?

I have a few children, how can I have enough to help them all?

What types of accounts should we use to save?

Whether you want Ivy League, trade or state school; you’ll need a plan. Together we’ll make an education savings plan that gets you on track while balancing your other goals (like having enough to retire someday).

Tax Reduction Planning

Taxes may be a fact of life, but you needn’t pay more than you have to. Paying close attention to your investments’ tax treatment, Merra Lee’s team will strive to help you keep more of your hard-earned money working for you while seeking to reduce your tax burden whenever possible.
Tax-advantaged saving, investing and distribution strategies can have a significant impact on what you can pay yourself in retirement. In tax planning strategies, we answer the following questions:

Is there anything else I can do to reduce my income taxes that I’m not doing now?

If I save taxes this year am I going to pay more when I’m retired?

How can I have liquid assets and still save for retirement?

How can I avoid early withdrawal penalties?

Sadly, taxes now or taxes later may be a factor into the choices we’ll need to make. But wouldn’t you feel better knowing what your choices are? Together we’ll integrate the suitable tax-advantaged investing into your complete financial plan.

LPL Financial and Good Life Financial Group do not provide tax or legal advice. Consult a tax or legal professional for advice on these matters.

Business Financial Planning

Merra Lee Moffitt works with small business owners to help them achieve their financial dreams and goals. Her articles are written to help inspire small business owners. Her podcasts are a way to showcase small business owners. Her mixers are a way to bring everyone together and network. Contact Merra Lee and her team to learn more about what they can do for you.

Estate Planning

What do you want to be remembered for when you die? Is there any group or charity that has touched your life? In legacy & charity planning we answer these questions:

How can I balance wanting to give to a charity and also to my family?

What are the tax incentives for the different ways I can give to a charity?

How can I give to a charity so they will use it well?

Does it matter that I’m not wealthy?

We’ll help you turn your lifetime of work into a cause you care.

Contact me today to schedule an appointment!  SCHEDULE NOW

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