Find Your Way Forward

Start Your Journey to Financial Independence

  • Become a Client
  • Become a Referral Partner
  • Start Part-Time
  • Start Full-Time

Decade Of Dominance

“Our team vision for this decade is to have 2000 licensed professionals, together we will help 500,000 families to reach financial stability. We will have 10 cash millionaires on our team and we will have 500 professionals making multiple 6 figures. If you can see yourself as part of this vision, may it be as a family helped or a licensed professional, click below and let's introduce you to the team!”


Are you thinking about estate planning? If not, you should

Long Term Care
December 01, 20224 min read
Feby Francois

Here's why it matters:

  • You don't have to be wealthy to plan your estate.

  • Your loved ones can be protected from future financial hardships by establishing an estate plan.

  • An easy place to start is by writing a will.

 

According to some, the term "estate planning" refers to something only the very rich should be concerned about. Alternatively, it may feel like something to be addressed later in life, once you've accumulated more money and property.

However, anyone with assets of any kind should consider creating an estate plan.

You and the people closest to you may benefit from an estate plan if you own a home, have children, or contribute to a retirement account. Avoiding a host of financial and administrative headaches may prove beneficial to your loved ones.

The plan isn't just about preparing for what happens after you die. Should you become incapacitated for any reason, an estate plan will help protect your family.

Among U.S. adults, less than half are prepared

Considering (much less planning for) one's demise might not be at the top of the list of fun things to do in life. Organizing the pantry or cleaning the gutters might seem like more appealing ways to spend a sunny afternoon. The truth is, we have no control over the future.

Don't feel alone if you haven't made time to create an estate plan. According to a survey by Caring.com, 57% of U.S. adults do not have estate planning documents, such as a will or living trust.

Transamerica's director of advanced markets, Chris McGovern, says many people think estate planning is something only for the wealthy and costly. McGovern says that most people are reluctant to talk about their own mortality, so it's easy to put it off.

Getting started

Making an estate plan can be overwhelming - there are certainly complex issues that will likely require legal and tax professionals' assistance. The Motley Fool breaks it down into smaller, more manageable chunks.

Steps to consider:

1) Write a will

Put your wishes in writing regarding who should receive your possessions after you die. Your possessions are not the only thing you should plan for.

McGovern advised parents with children to make a plan for their care as well.

You may need a simple or complex will depending on the value of your estate, types of assets, and where you reside.

2) Consider creating a trust

A simple will can result in expensive and time-consuming legal processes such as probate (the court procedure to ensure your estate is handled properly in the eyes of the law) for some people, as The Motley Fool points out.

If your assets are documented in a trust, they may end up with your heirs sooner than if they are in a simple will. You can find out if a trust is appropriate for your circumstances by consulting with a financial professional.

3) Make sure you're prepared in case of incapacity

Compared to previous generations, Americans live longer. Statistically, today's 65-year-old woman will live until she is 86.5 years old, based on data compiled by the Social Security Administration. A man turning 65 today will live until he is 84 years old.

We are increasingly likely to develop dementia and Alzheimer's as we live longer and longer. In the United States, there are around 5.8 million people with Alzheimer's disease, with the number growing to 14 million by 2050.

As a consequence, you should consider what would happen if you couldn't manage your affairs. Consider advanced healthcare directives and powers of attorney.

4) Maintain your beneficiary list - and make changes as needed

As part of estate planning, you should name primary and contingent beneficiaries for your retirement assets. It's a good idea to have a financial professional review your beneficiary designations annually since they supersede your will. The Advanced Markets Group compiled a useful beneficiary worksheet with points to consider.

5) Pay attention to taxes

The amount your heirs receive can be drastically affected by estate taxes, even if they are not a major concern for all. It is stated that "a few mistakes can cost you hundreds of thousands of dollars that you could have given to your children instead of Uncle Sam."

You may be able to reduce or eliminate estate taxes with the right strategy, guided by certified tax and legal professionals.

6) Stay up-to-date

Things happen in life. You may need to adjust your estate plan as a result of marriage, divorce, and the birth of children. Periodic reviews are a good idea, so make them a part of your daily routine.

When creating an estate plan, there are many things to consider. However, the process can seem overwhelming. But if you act now, you can protect what you've earned - and what you have left behind for those you love.

In its Guide to Estate Planning, Advanced Markets Group discusses a number of  critical aspects to consider as you think about your plan.

Feby Francois

Feby Francois takes a deep dive into her client’s financial needs and life goals to offer solutions for now and the future. Unlike the large financial planning companies, his motto is no family left behind. While he has helped high-dollar clients he specializes in middle-class solutions and small to midsize business planning. What insurance company does Feby work for? NONE! Feby is in the unique position of being able to write business for over 100 A-rated or better companies by working with their marketing arm, all with billions of dollars in assets. He is appointed with Nationwide, Prudential, Transamerica, Gerber, and many more. Rather than be captive to one company allowed to only offer you that company’s solutions, Feby has chosen to have a buffet of the best companies so that he can match your needs to the right company instead of a cookie-cutter approach to all. Don’t worry. This business structure does not cost you a dime more than you would pay to go directly to one company. What it does allow you is a personal touch and someone looking out for you, not beholding to any one company. We help our clients without holding our hand$ out.

Back to Blog

Achieve Financial Freedom


You’ve worked for your money and now it's time to make your money work for you. In the 10X Challenge we will undertake several exercises which will teach you to 10X your income so you can achieve financial freedom and live life on your terms. Discover how to establish your financial goals and then formulate a strategy to achieve them. The 10X Challenge will help you determine what you need to do to increase your finances using the same techniques of the super wealthy. 

Dominate Your Life, Your Environment, Your Market & Your Industry 


If nobody knows you they can’t follow you. You must come out from obscurity. The person who attracts the most attention is the person who takes the most MASSIVE action. Sooner or later that action will translate into MASSIVE results. Whether you’re creating your own personal brand (which you must do) or are marketing your business, the industry-leading marketing experts joining us for the 10X Challenge will show you what’s working RIGHT NOW so you can differentiate yourself from those around you and get noticed. 

Sell or Be Sold!


My whole life has revolved around sales in some form whether it’s closing billion-dollar deals or teaching ambitious but inexperienced entrepreneurs how to sell successfully. Just so you know we are all salespeople in some way. By the end of the 10X Challenge you will have learned the most effective sales techniques so you can sell anyone on you or your ideas. Going through the 10X Challenge will make you even more motivated to put those techniques into practice in both your personal life and your professional life.

How To Rapidly Scale Your Business To The Next Level


There is no security in playing small! It’s one thing to improve your quality of life or grow your business slightly but how do you make 10X quantum leaps? How do you achieve 100% of your goals in a fraction of the time you thought necessary? I don’t care if you’re on top of the world or on the ropes. Regardless of what stage you are at in your life or your career, I know you want more and when you join the 10X Challenge I can show how to get it.



Feby Francois provides personalized and practical financial advice to businesses and individuals.


Our clients benefit from the knowledge and experience of our associates, as well as all other A-Rated Financial firms in North America. As a member of a growing international network of Financial Resources, we have unique access to specialized products and information. Our offices throughout North America assist in providing financial planning and investment management services.


Our typical business clients are closely-held and are active in wholesale, retail, banking, real estate, professional services, construction, manufacturing, health care, and food service. We advise our business clients on the successor (buy and sell) planning, pension, profit sharing, employee benefits, and incentive plans.


Our individual client services include all elements of personal financial planning from budgeting to investment advice to estate planning. We work with our clients to determine their objectives, and then devise sound strategies for achieving their objectives.


We work closely with the client's accountants, attorneys, and other advisors. We do not practice law or accounting but are conversant with the major points of law and regulations that affect a client's financial statement.


We are committed to increasing the net worth of our clients. Our firm provides experienced, practical advice and a broad range of high-quality, cost-effective products and services.

Unlock Your 10X Mindset To Achieve Your 10X Super Life


Success is a matter of mindset and getting you in the right frame of mind is the main goal of the 10X Challenge!


For 10 days I am going to show you how to rise from good to great. I will explain to you how to tap into the power you have inside you. Once you have established your 10X mindset you will be able to stay focused when doubts arise and confidence wavers. I cannot wait to share with you the secret to thinking MASSIVE THOUGHTS which lead to MASSIVE ACTIONS which eventually lead to a 10X Super Life. Join me and step up to the 10X Challenge now!


Unlock Your 10X Mindset To Achieve Your 10X Super Life


Success is a matter of mindset and getting you in the right frame of mind is the main goal of the 10X Challenge!


For 10 days I am going to show you how to rise from good to great. I will explain to you how to tap into the power you have inside you. Once you have established your 10X mindset you will be able to stay focused when doubts arise and confidence wavers. I cannot wait to share with you the secret to thinking MASSIVE THOUGHTS which lead to MASSIVE ACTIONS which eventually lead to a 10X Super Life. Join me and step up to the 10X Challenge now!