HUBBARD ADVISORS

ARE YOU WORRIED ABOUT RUNNING OUT OF MONEY? WILL YOU OUTLIVE YOUR MONEY OR WILL IT OUTLIVE YOU?

Are you successful? Do you have adult children who are struggling? Do you want to give them a leg-up in this challenging world they face today? One way to transfer some of your assets while you are alive to a younger generation is to purchase and fund permanent insurance for them, employing the ‘be your own banker‘ concept. i.e. stacking the cash value and using the accumulation for a source of loans without having to go through financial underwriting. Another good approach is this: if you are able to employ premium financing solutions towards any variety of complex financial and tax problems you may be facing, consider purchasing a significant amount of permanent insurance in order to achieve your personal financial planning goals, business planning goals or legacy intentions. Call me today at (978)290-2462

CLICK HERE TO FILL OUT A REQUEST FOR A CONSULTATION OR TO ASK QUESTIONS. Or simply call me at (978)290-2462.

Robin Hubbard is a financial advocate, consultant, advisor, planner and coach for individuals, businesses, and investors. An agile, refreshing alternative to franchise firms, I don’t push product but find solutions for individual needs and ambitions.

Be Thankful

Thanksgiving this year will look different for most of us this year. After a long year of the pandemic, we have found ourselves still here. While many of us would love to gather with loved ones, and overindulge in Thanksgiving dinner, that’s not possible for everyone. It’s a hard truth. As we add the holiday season to the long list of things that won’t be the same, we can still be grateful for the home we have.

kitchen stove, viking range with subway tile

While not everyone has endured the same hardships, this year has been challenging for all of us. But we adapt. We can mourn the loss of our loud and chaotic holiday, and move forward. Not cooking a meal for 20 people this year might give you an opportunity to try some recipes or make room for new traditions. It also means you won’t have to pretend to enjoy the jello salad your great aunt twice removed makes every year.

Dining room with chandelier

While the holidays may not look like they have in the past, it’s important to take this time to find gratitude in the things we do have. To take a deep breath and moment to be thankful. This is an opportunity to focus on the core pieces of our lives, stripped away from all the distraction. Just as we acknowledge the loss of holidays as they have been, perhaps we can find hope and gratitude for more time spent with the people closer to the center of our lives.

Grand Banks Team

Monica Banks

MONICA BANKS

HUBBARD ADVISORS

ARE YOU WORRIED ABOUT RUNNING OUT OF MONEY? WILL YOU OUTLIVE YOUR MONEY OR WILL IT OUTLIVE YOU?

Are you caught in the tax-deferred paradigm? Do you think income tax rates will be higher or lower in the future? If you think you are being squeezed today . . . Do you know the difference between a defined benefit plan and a defined contribution plan? Between a simple IRA, a SEP, or a ROTH IRA? Which plans provide guaranteed lifetime income and which do not? Which plans are exposed to the vagaries of equity markets and which are not? The fact is most people contribute to or participate in plans without professional advice or knowledge and don’t have a clue about their real exposure, risks and costs. Before you get too invested in a plan that may not provide you with the financial security you desire why not learn whether your plan is what you need and want? Additionally, as one approaches retirement age, professional advice is essential before applying for social security or Medicare, too, because gaps in Medicare coverage can expose one’s household economy to devastating economic impacts, but, with a little planning, it can all work out for the better. Call me today at (978)290-2462

CLICK HERE TO FILL OUT A REQUEST FOR A CONSULTATION OR TO ASK QUESTIONS. Or simply call me at (978)290-2462.

Robin Hubbard is a financial advocate, consultant, advisor, planner and coach for individuals, businesses, and investors. An agile, refreshing alternative to franchise firms, I don’t push product but find solutions for individual needs and ambitions.

Living Small

For more check out our site: https://www.grandbanksbp.com/

The world may be full of endless possibilities, but houses are a finite space. You may want a huge kitchen with an open space floor plan. One might dream of a den, workshop and mudroom. But you might also live in a small 2 bedroom home with just enough space for the day-to-day. Tiny homes are great on instagram, and often more difficult in real life. They force you to focus on the things you want, and let go of the rest. This little home in Ipswich is a great example of how living small can be exactly what you need.

medallion kitchen cabinetry small kitchen turquoise backsplash tile exposed beam

With a small space you only have so many choices, and that does not have to be a bad thing. Knowing that there wouldn’t be much wiggle room in the design, we chose to focus on cabinetry accessories to make the space more functional. All the base cabinets here have rollout trays, which means you aren’t losing items in the back of your cabinetry. The island isn’t large, but there is a seating are in the kitchen with room to hangout, leaving the island free for extra prep space.

small medallion kitchen cabinetry shaker style island prep space exposed beam

When it came to design, there weren’t many options. The space is limited, and as much as we would like that to be different, it doesn’t matter. The space is the space. You can fill it with all kinds of dreams and things. You can control the parts that flow through the space. However, you can’t control the space. It will always be a small kitchen, you can’t change that. Once you know what your parameters are, you can work within them. You can figure out exactly how to move forward.

small kitchen medallion cabinetry seating area exposed beam shaker style

It’s easy to dream big. It’s hard to dream big in small spaces. Hard, but not impossible. With a little acceptance and creativity, you can make any home right for you. Not every home requires a grand entryway with a guest bedroom and office. Often the right size is what you already have. With a growing family, it’s unknown how long this house will be able to contain all the love, but they will be squeezing every last drop out of it.

small kitchen medallion cabinetry shaker style exposed beam

Monica Banks

MONICA BANKS