Thinking About Becoming A Stay-at-Home Parent? 4 Financial Considerations Before Making the Transition

/ Castle Wealth Advisors, LLC/
Thinking About Becoming A Stay-at-Home Parent? 4 Financial Considerations Before Making the Transition

Making the decision to transition from the workplace to becoming a stay-at-home caregiver can be a scary decision.  There are many pros and cons to consider with both choices.   Weighing and discussing these options with your spouse/ partner (while potentially difficult at times) will help you both to feel better supported by the other and more financially sound.  

Reviewing these four financial considerations before deciding to make the transition can help you lower stress, have a smooth transition into becoming a stay at home parent and will help you down the line should you decide to work or not.

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3 Reasons Your Spouse or Partner Should be Included During Planning Conversations

/ Castle Wealth Advisors, LLC/
3 Reasons Your Spouse or Partner Should be Included During Planning Conversations

Have you and your spouse discussed your retirement plans?  In the 2017 study, Age Wave/ Merrill Lynch, “Finances in Retirement: New Challenges, New Solutions” showed that only 16 percent of pre-retirees older than 50 feel prepared for a 20-year retirement.  

Personally, I found that to be a truly sobering statistic.  As a Certified Financial Planner™ I’ve seen the importance and difference working with a professional to develop and follow a financial plan can make.  Also, I know there is a significant need in our country to help individuals plan their finances and retirements.  However, I was shocked to see a number less than 20 percent!  

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You’re Speaking, Is Your Advisor Listening???

/ Castle Wealth Advisors, LLC/
You’re Speaking, Is Your Advisor Listening???

Recently, women have been the topic of a lot of financial industry conversations, studies, and white papers in the financial services industry.  With women making up slightly over half of the population it seems it is past time for industry professionals to realize the importance of female clients and to begin questioning if their current practices are female friendly. 


As a female who has worked in the financial services industry since 2006, I can say the industry as a whole has made several steps to engage more female clients.  However, overall the industry still has a long way to go.  To the industry’s credit many practicing professionals have read the numerous articles, white papers, and research studies written whose focus has been “Women & Investing” or “How to Communicate with Female Clients” and attended many seminars created that tout, “How to Attract and Retain Female Clients” or “The Opportunity Female Clients Represent”.    Still, with all the research and studies as an industry, we are missing the mark. 

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Social Security Benefits and You Retirement Plan:

/ CastleWealth Advisors, LLC/
Social Security Benefits and You Retirement Plan:

Many individuals have difficulty understanding how their Social Security Retirement Benefits are calculated and questions about the impact of taking retirement benefits early or waiting receive them.


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Castle Wealth Advisors, LLC Partners with NMS Capital Advisors, LLC

/ Castle Wealth Advisors, LLC/

Castle Wealth Advisors, LLC., a hybrid Register Investment Advisors located in Los Angeles; Ca. has partnered with NMS Capital Advisors, LLC (“NMS”) a leading global focused investment banking and asset management firm.

Founded in 2006, NMS Capital Advisors, LLC is a leading full service investment banking, securities and wealth management firm headquartered in Beverly Hills, California. NMS provides a full array of investment banking and advisory services including debt and equity capital raising for public and private companies, mergers and acquisitions, cross-border advisory, private equity and hedge fund advisory, valuations and fairness opinions, EB-5 capital advisory, securities brokerage and other strategic advisory services. 

Castle Wealth Advisors, LLC looks forward to working with NMS Capital Advisors, LLC to increase the depth and breath of wealth management, alternative investments, insurance and asset management services offerings. 

NMS Capital Advisors is registered broker-dealer with the Securities and Exchange Commission and are members of the following:

·      Financial Industry Regulatory Authority (FINRA)

·      Municipal Securities Rulemaking Board (MSRB)

·      Securities Investors Protections Corporation (SIPC)

 

/ Castle Wealth Advisors, LLC/ /
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Heather Castle

I am originally from Virginia and grew up in Tuscaloosa, Al.  I completed both of my degrees at the University of Alabama.  My undergrad degree in Finance and then later my MBA from the Manderson Business School through their Executive MBA program. 

I started Castle Wealth Advisors, LLC because I wanted to provide ethical and approachable financial planning and investment management to individuals and business owners, concerned with their financial futures, regardless of age, sex, race, or net worth.

I've always believed clients should work with reputable, qualified, and experienced advisors.  So it was important to me to gain industry experience as well as pursuing additional industry specific designations.  I have passed the following licensing exams:

     Series 7, General Securities Representative

     Series 66, Investment Advisor Representative 

     Series 9 & 10, General Securities Sales Supervisor

     California Life, Health, and Variable Insurance (License #0K01554)

I have been in the financial services industry since 2006 and have work with many differing type of clients over the years.  One thing I know to be true, everyone wants to feel heard and cared about.  Meaning everyone I have ever worked with wants to feel like their desires, wants and needs have been heard and taken into consideration when speaking about their personal financial matters.

Many people have the same goals, they just express them differently, and then there are a few who’s view and desires are completely different.  This is one of the aspects I love about my job.  The PEOPLE!  I get to meet some many interesting people and they challenge me daily.  No day in my line of work is the same.  Today I could be planning for a family who owns a small business and tomorrow working with a women going through a painful divorce.  Listening and building financial plans and strategies around personal needs is why many of my clients have said they do business with me and have stayed with me. 

Another reason I love my job… I get to truly HELP people.  I get to make a living and provide for my family while helping others.  Over my career I have felt a need to dive deeper into financial planning and working with high net worth individuals who have greater planning and investing needs.  Listed below I have highlighted a few of the areas I specialize in:

·      Women in transition (divorce/ death)

·      Corporate Executives

·      Young Entrepreneurs

·      Small Business Owners

·      Family with Special Needs Members

·      Complex Retirement and Estate Planning Needs

Currently I live in Brentwood and really enjoy the West Side of Los Angeles.  I am actively involved with the Junior League of Los Angeles.  I have a passion for trying new things and new experiences.  So, in my free time I love traveling and scuba diving.  I also am interested in learning French, taking pilot’s lessons and dancing the tango!

3 Tips To Make The Most Of Your Tax Return in 2018

/ Castle Wealth Advisors, LLC/
3 Tips To Make The Most Of Your Tax Return in 2018

2017 brought many changes for individual taxpayers and small business owners and left many scratching their heads.  As we approach tax season here are three tips to keep in mind that may help you as you file your tax returns. 

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Financially Independent Women

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Financially Independent Women

Nine out of ten women will be faced with handling their finances at some point in their lives.  The difference between women who are financially independent and those who will struggle to get up to speed is the women who are financially independent took an active role in the management of their finances. 

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