What Is CLA USA Financial Services?

CLA USA financial services is a company that offers financial services aimed at seniors, retirees and those approaching retirement. The company has been in the business of helping seniors preserve their estates and plan their finances since 1984. Unlike many companies that have a broad-based market focus, CLA USA Financial Services concentrates on helping seniors with a conservative planning strategy that maximizes profits and reduces risks, taxes and other losses that can have unexpectedly large effects on the nest egg they've spent their lives building.

People live longer than ever before. In fact, advances to medicine and advances in general health have boosted the average life expectancy far beyond what it was even twenty or thirty years ago. The typical senior set up a retirement plan based on a timeline that is suddenly extended by as much as 20 or 25 years. Today's largest growing population segment is the over-85 senior. This new threshold raises financial issues that past generations never had to consider, concerns about long term planning, lifelong care and estate planning that provides the kind of flexibility that today's seniors need.

To that end, CLA USA Financial Services offers a wide variety of financial planning products and services to assist seniors in arranging their assets in the most advantageous way possible. CLA USA agents are experienced and knowledgeable in the various strategies that can help retirees extend their retirement funds and protect their estates from the erosion of taxes, fees and the rising costs of long-term care and medical care.
CLA USA agents provide seniors with the information they need to choose among the many options for protecting their assets. Unlike many so-called financial planning services, CLA USA doesn't offer a single product or type of product as a panacea for future financial problems. Instead, each CLA USA is trained to help each client assess his or her financial position and review the various financial options that can best protect or enhance that position. Those financial options include such products and services as arranging for surviving spouse benefits, strategic IRA planning, IRA conversions and legacy IRA stretch planning to spread tax liability.

CLA USA representatives also help seniors work through the many tax, legal and financial policies that can affect the size and duration of retirement funds with common-sense estate tax planning and products that help reduce taxes on Social Security and retirement savings. Other important financial strategies offered include insuring against the costs of long term care and catastrophic illnesses with insurance and additional savings, as well as wealth building and estate preservation strategies that help maximize income and preserve as much of it as possible for your surviving spouse and heirs.

CLA USA Financial Services is proud to have been awarded an A+ rating by the Better Business Bureau in many regions across the country, including in the company's home region. If you're looking for honest dealings and information that can help you plan for a secure future, a CLA USA representative has what you need to know.

Long Term Care Planning with CLA USA Financial Services

Protecting your assets with careful financial planning is one of the most important things you can do to prepare for your retirement. CLA USA, a company that provides financial planning services and products, works closely with seniors to help them examine their needs and make financial plans that will ensure they have the resources to deal with the unexpected curves that often come with growing older. CLA USA financial services include a wide variety of financial products that includes annuities, life insurance and other tools to help you protect your nest egg and ensure that the money is there if you need it. You can trust CLA USA to help evaluate your retirement income needs and establish a plan to meet your needs.

If you watch television at all, you've probably got a highly romanticized view of retirement planning. The typical television ad for retirement planners shows seniors and retirees enjoying what amounts to a second childhood. While some people will have the assets to embark on a new career or spend their retirement years on cruises and vacations, most people are simply saving to ensure that they can maintain their current standard of living after they stop working. As one ad says, "A vineyard? You've got to be kidding me!"

The truth is that half of all retiring seniors can expect to require long-term care as they age. Others may face catastrophic illnesses that can easily wipe out retirement savings and any estate they'd planned on leaving for the care of a surviving spouse, children and other relatives. CLA USA financial services can help protect those savings by planning for them in a variety of ways. Some of those senior estate planning services include:

Long Term Care Insurance

The costs of long term care in a nursing home can easily top $75,000 a year. Since Medicare covers very little of that, many retirees find the costs quickly eating up the money they'd planned on living on during their retirement. Long-term care policies are designed to cover the costs of extended care in a nursing home or other eligible facility. Other types of insurance, including catastrophic illness insurance, can also reduce the drain on your assets. While long-term care insurance can be expensive, there are now great alternatives available that offer long-term care protection.

Annuities and Life Insurance

Annuities and life insurance are ways to reposition your assets for more favorable tax treatment and to ensure that you have the retirement income you need and that your assets get distributed in the way that you plan for them to be distributed. Other planning tools are also available. If, for example, you provide financial care for a dependent child or other relative, setting up an Irrevocable Life Insurance Trust can ensure that the care continues without interruption after your death.

CLA USA provides many different financial products to help with senior estate planning. Don't leave your future up to chance - talk to a CLA USA financial services consultant to help you determine the steps you should take to secure your financial future.

Important CLA USA Financial Services for Seniors

Seniors in general don't pay enough attention to estate planning, in large part because the typical retiree or about-to-be retiree doesn't really understand the importance of asset protection and estate preservation. That's why the senior financial planning services offered by companies like CLA USA are so important. While the company offers a number of financial planning products, the real value they provide goes much deeper. Every CLA USA financial services representative is versed about financial planning instruments as well as understanding the various tools available to help seniors preserve their assets and protect their estates from financial risk, taxes and other dangers. If you're approaching or have reached retirement age, CLA USA can help you protect your nest egg so that it's available for your needs throughout your life and ensure that your assets are distributed as desired after your death.

The Purpose of Seniors Estate Planning

One of the biggest reasons that few seniors take advantage of financial planning services is a basic misunderstanding of the purpose of senior estate planning. If you ask the average retired worker if he needs estate planning services, he's likely to shrug and tell you he doesn't have much of an estate to protect. The widely held misconception that estate planning is just for "rich folks" has the unfortunate effect of scaring off the people who could benefit most from working with financial planners to safeguard their assets for their retirement financial needs and plan an orderly distribution of them to their heirs and beneficiaries.

In a nutshell, a consultant in senior estate planning can help you determine whether you need financial planning services and how to best rearrange your assets so that you have the financial security to have the income you need and that your surviving spouse, children and other beneficiaries get the money and other assets that you intend for them to receive. If, for example, you have a disabled relative that counts on you for financial assistance, a financial services consultant from a company like CLA USA can tell you about the various ways to set aside money and assets to be used for their care when you're no longer able to direct that care yourself.

CLA USA financial services include financial planning and protection tools such as annuities, life insurance, long term care insurance and other types of financial instruments that help protect your assets and estate. Planning ahead with CLA USA financial services will ensure that you have the resources you need for your care throughout your life.

Choose CLA USA Financial Services for Conservative Financial Planning

CLA USA, a financial services company, focuses on conservative financial planning strategies that help seniors preserve their wealth and avoid costs that can eat away at retirement savings. The no-risk instruments offered by CLA USA financial services are more appropriate for retirees and seniors, who should now be focused more on preserving the nest egg they've built than on building wealth for retirement and beyond.

Planning with Conservative Financial Strategies

Everyone understands that the higher the risk in a financial investment, the higher is the potential return. Riskier financial investments are fine when you're a few decades out from your retirement, but as you approach retirement age, your focus should shift from riskier wealth-building strategies to lower-risk strategies that protect your assets from the many risks that can wear away at your retirement nest egg. CLA USA financial services include many different types of tools and instruments that can help you protect your assets from taxes, medical expenses and other expenditures that can drain your retirement account far faster than you expected.

Unlike many other "financial planners," CLA USA doesn't push seniors into purchasing specific financial products. Instead, CLA USA consultants are trained to present a range of possible asset preservation and senior estate planning strategies, as well as, providing clients with the tools to help them organize their affairs and make plans based on the clients' best interests. In fact, CLA USA consultants will happily work with a client's tax attorney and accountants to craft the best plan for each individual client.

Why Choose CLA USA Financial Services?

With the recent turmoil in the financial services and banking industries, many people are a bit gun-shy about trusting companies with their investments and savings. CLA USA has been in business for well over a decade and is highly regarded in the area of senior estate planning. The company is proud to hold an A+ rating with its local Better Business Bureau and to be an accredited business and rated highly by the BBB in every other market in which CLA USA financial services does business.

Every CLA USA financial services agent is trained to explain financial services and tools in easy-to-understand language and to assist seniors with their estate planning questions. Whether you're concerned with protecting your assets for your own use as you grow older or are looking for ways to reposition your assets to avoid paying unacceptable estate taxes and penalties, a CLA USA financial services consultant can help you understand the options available and work with you to plan for your retirement and beyond.

CLA USA Financial Planning For The Rest of Your Life Planning

With all of today's financial uncertainties, wouldn't it be nice to know that your retirement nest egg will be there when you need it? As the rules for retirement accounts, tax policies and inheritance change, one company has stayed ahead of the changes to provide conservative, secure financial planning services for seniors. For CLA USA, financial planning for seniors has been a cornerstone of their business since their founding in 1991.

For over two decades, the financial planning agents at CLA USA have been helping seniors secure their assets and provide for their heirs. They take their responsibility to educate and assist their clients with the best possible financial products to heart. Unlike other companies accused of insurance scam and fraud, CLA USA goes to great lengths to be sure that each client understands the full range of retirement funding and asset preservation options available to them. The company's underlying mission is to provide the information its clients need to make financial decisions that work best for their circumstances.

CLA USA agents get to know each client and his or her individual circumstances so that they can recommend the best mix of financial investments and instruments to ensure a secure future for themselves and their heirs.

CLA USA Financial Services understands the importance of integrity and trust in all of its relationships, and considers its reputation for trustworthiness among its most important assets as a business. That's why the company has been a Better Business Bureau Accredited Business for years, and has signed agreements with the BBB to be part of the Better Business Bureau's complaint resolution process. CLA USA's longevity, their willingness to engage consumers and their low complaint history has earned CLA USA an A+ rating with the Better Business Bureau in Dallas and an Accredited Business Certification in every state CLA USA does business.

CLA USA is committed to providing the information and services that enable seniors to make the best possible decisions about their finances. They understand the advantages and benefits of the many different senior estate planning instruments, including annuities, insurance and long term care planning. They'll make sure that you're taking advantage of senior benefits programs and putting your retirement nest egg into the baskets that provide the safest, most reliable and most profitable returns possible.

Don't trust your financial future to rip-off artists and predators. Turn to CLA USA, the company with more than a quarter century of trust and service to seniors behind it.

CLA USA Financial Services Helps with Seniors Estate Planning

 You've worked hard all your life to build up a nest egg. It's only right that you want to protect what you've built so it will be there when you need it. CLAUSA has been a leader in financial planning for seniors. Estate planning is a CLA USA specialty, and every CLA-USA agent is trained to assist clients in preserving the wealth they've built up for their own use and to pass on to their children.

 With fraud and insurance scam artists running rampant through the industry, CLA USA takes great pride in its more than 20-year record of conservative financial planning for seniors. Unlike other companies who make their money taking advantage of seniors, CLA USA is fully invested in working with senior citizens to secure their assets throughout their lives and beyond. The company understands how difficult it is to maximize retirement savings without depleting them. That's why their experienced agents specialize in devising low-risk instruments that have a proven record for use in seniors estate planning and asset preservation.

 Their strong record of stellar service in the area of financial planning for seniors is the reason that CLA USA holds an A+ rating with the Texas Better Business Bureau, as well as with the Better Business Bureau in West Virginia, Idaho and several other states. In fact, the BBB has received no complaints about CLA USA at all, which figured heavily in the A+ BBB rating that the company enjoys.

 Unlike other companies that rip off seniors with unnecessary services and overpriced advice, CLA USA is focused on one thing - helping seniors ensure that their retirements are fully funded, no matter what the future brings.

 CLA USA Financial Services representatives understand how important your nest egg is, not only to you but to your legacy. They recognize the many outside factors that can diminish the value of your hard-earned savings, and have experience pulling together all of the tools and instruments available that can help you secure your estate against risks such as taxes, inflation, fluctuating stock prices and, the most frightening risk of all, that of outliving your savings and becoming a burden.

Don't fall prey to insurance scams and predatory companies. Trust your financial future to CLA USA financial planning, the company that has been trusted by seniors for more than 20 years.