Welcome to the Good Life!

financial planning, Good Life Finacial Group Helps You and Your Family financial planning financial planning

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

* CERTIFIED FINANCIAL PLANNER TM

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8 hours ago
How to Save for Retirement on Less Than $40,000 Per Year

Do you make less than $40,000 a year? If so, saving for retirement can be a bit difficult, but one way to do so is by getting your employer's help. Does your work offer a 401(k) matching ... See more

You don’t need a large income to begin building a nest egg for retirement.

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4 days ago
4 Credit Tips for National Get Smart About Credit Day

Today is National Get Smart About Credit Day! If you struggle with credit card debt, check out some of these tips to find out how to turn your financial situation around and out of credit card debt.

National Get Smart About Credit Day takes place annually on the third Thursday of October. While it’s not a federal holiday, in some ways it should...

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6 days ago
3 simple steps to saving more money right now

When it comes to saving money, an important step is setting your goals. If you have financial goals you want to achieve, such as saving a certain amount by the end of the year or saving for a ... See more

Saving money doesn't have to be difficult. [sponsor content]

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1 week ago
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Today is National Day of Saving. Make it a point today to put more money away or if you don't have a savings account, set up one up!

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1 week ago
Interlace Communications

Thank you to everyone who came out to our Grill & Chill mixer! It was a great night. Also, thank you to JT Catering for donating the hamburgers and hot dogs!

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1 week ago
3 simple steps to saving more money right now

Looking to save more money? If you don't already, a great way to do that is by tracking your spending. Find out where you're money is going and if you can cut anything out.

Saving money doesn't have to be difficult. [sponsor content]

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2 weeks ago
How much a 40-year-old has to save to be a millionaire by 67

So really, how much would you need to put away from each paycheck to become a millionaire if you started when you were 40? Find out!

Start sooner and before you know it you can relax.

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2 weeks ago
25 Proven Ways to Save Money Before Next Year

Looking for ways to save money. Challenge yourself by setting three days a week where you don't spend any money.

Increase your savings with these easy tips.

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3 weeks ago
Timeline Photos

Have a financial goal you would like to reach? Let's schedule a meeting! Together, we'll talk out what your financial goal is and then how to achieve it.

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3 weeks ago
The 5 Biggest Retirement Planning Mistakes You Can Avoid

The market rises and falls, so does your level of income and your expenses, which is why it's important to review your retirement plan every few years. This will help to make sure you're on the right ... See more

One of the biggest dilemmas for those approaching retirement is balancing the life they want to live today with the life they want to live in...

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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 time frames 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 if 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 not 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 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.

 

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