C3 Financial Partners

February 2024 Newsletter

When Gray Hair Meets Gray Areas

Late-in-life marriages can bring joy, companionship, and, in many situations, another chance at love.

Conversely, a late-in-life divorce might mean a dramatic shift for the future financial position of both parties.

Both situations come with unique financial and estate planning challenges.  Our latest blog, at the link below, examines the unique financial and estate planning challenges raised by each situation.

At C3 Financial Partners, we collaborate with clients and their advisors on planning for those couples tying the knot or going their separate ways after age 50.

Learn More


IRS Applicable Federal Rate Update

Reversing their recent trend, the latest update to the AFR rates saw increases in all of the short-term, mid-term, and long-term rates.  To see the updated rates, head to the link below.

And please note – you can access the link on our homepage to check current and historic AFR rates at any time!

See The AFR Report

The Cost of Complacency

Our founder, Todd Healy, has had some recent conversations with non-life insurance advisors of affluent clients that reminded him of the potential pitfalls when regular life insurance policy reviews are not conducted.

You can read the thoughts he recently shared on the subject at the link below.

Learn More

Securities offered through Valmark Securities, Inc. member FINRA, SIPC.  Investment advisory products and services offered through Valmark Advisers, Inc., an SEC Registered Investment Advisor.  Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed.  C3 Financial Partners is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc.

The information presented here is for educational purpose only and is not intended to provide specific advice or recommendations for any individual nor does it take into account the particular investment objectives, financial situation or needs of individual investors. This material is not intended to provide and should not be relied on for tax advice. Any tax advice contained herein is of a general nature. You should seek specific advice from your tax professional before pursuing any idea contemplated.


Individuals and businesses, even nonprofits, engage us to identify, prepare for, and manage some of the risks they can't control.
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