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Most people are aware that their taxes will change in their retirement years. But even accountants may not know the strategies available to make sure those taxes decrease as much as possible.
Long–Term Care Insurance (LTC) is not for everyone. But given that it can save families a significant amount of money in specific health care situations, it may be an option worth discussing with a financial expert.
Life Insurance Family Protection is a type of life insurance policy that is designed to provide financial protection to your family in case of your unexpected death. In the event of your death, the policy pays out a lump sum of money to your nominated beneficiaries. This money can help your family pay off any debts, cover living expenses, and provide for your children’s education.
Galina Malinsky is the Founder/CEO of Skvela Insurances Services. She has worked in the financial industry since 2006, spending her first eight years with Wells Fargo. Galina graduated from California State University with a degree in Business Management.
I began my independent career as a Financial Services Specialist by working with law enforcement and corrections officers,” said Galina. “I helped them create financial plans for their retirement, and oversaw six different correctional facilities.” More recently, Galina has been working with school teachers in the greater Los Angeles area to reach their retirement goals.
“I believe in offering everyone a free financial analysis,” she said. “At Skvela Insurance Services, we take an educational approach. Everyone is different, so I always like to listen to people’s concerns, issues and needs first. Just like a doctor, I can’t give someone a financial diagnosis without first making a prognosis of their financial goals and challenges. We don’t try to push general recommendations on anyone. I prefer solutions that are based on each individual’s needs.”
Galina makes herself available to her clients at all times, even when she’s on vacation. The security of her clients is always her first priority. “I want them to be safe in their retirement,” she said. “Of course, this depends largely on what stage people are at in their lives, but for older clients, this definitely holds true.”
Family is very important to Galina. She and her husband Miroslav have a daughter and a son. When they are not with family or caring for their children, Galina and Miroslav enjoy traveling, hiking, visiting national and state parks, and enjoying time with friends. They also look forward to their Friday movie night.