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    Lucille M Shaw

    Stop hoping. Start planning.

    Carlsbad, CA

    <h1 style="color:#ffffff; text-align:center">#whylucille</h1>
    <div style="color:#aaaaaa iimportant; text-align:center"><p>Unbiased professional advice.&nbsp; Fiduciary Advisor with expertise in finance, investments, and insurance who is not beholden to a corporate playbook and hidden fees.<br type="_moz"></p><div style="align-items:center; background:#11b3b3; border-radius:16px; color:#ffffff; display:flex; height:100%; justify-content:center; padding:16px; text-align:center; width:100%"><h2><span style="color:#ffffff">Skilled. Experienced. Trusted<br>Licensed &amp; Certified</span></h2></div></div><div style="text-align:center"><br>Securities, Insurance, Finance, Tax, and Estate Planning<br>Over 30 years of experience in business start-ups and development with over 20 years of investment, insurance, and business advisory.<br type="_moz"></div>
    760-585-9284
    lucille@finances4life.com
    Financial | Estate | Insurance | Business Advisor
    Skilled. Experienced. Trusted.

    My Services

    Financial Life and Estate Planning

    <h1 style="color:#ffffff; text-align:center">#whylucille</h1>
    <a class="contributor" href="https://lucille.passopus.com" target="_blank" title="Contributor"><img src="https://mrouw2-images.s3.us-west-2.amazonaws.com/dom_suggest-lucille.jpeg"></a><div style="color:#aaaaaa iimportant; text-align:center"> <p>Unbiased professional advice.&nbsp; Fee-only Fiduciary Advisor with expertise in finance, investments, estate planning, and insurance who is not beholden to a corporate playbook and hidden fees.</p> <div style="align-items:center; background:#11b3b3; border-radius:16px; color:#ffffff; display:flex; height:100%; justify-content:center; padding:16px; text-align:center; width:100%"> <h2><span style="color:#ffffff">Skilled. Experienced. Trusted<br> Licensed &amp; Certified</span></h2> </div> </div> <div style="text-align:center"><br> Securities, Insurance, Finance, Tax, and Estate Planning<br> Over 30 years of experience in business start-ups and development with over 20 years of investment, insurance, and business advisory.<br> &nbsp;</div>
    760-585-9284
    lucille@finances4life.com
    Financial | Estate | Business Advisor
    Skilled. Experienced. Trusted.

    Advanced Estate Planning

    If you've been fortunate to accumulate significant wealth, you are a candidate for advanced estate planning. In addition to minimizing state and federal estate taxes, establishing an advanced estate plan allows you to preserve assets for your heirs and family members and name guardians for minor children. This video outlines the essential steps required to compile an advanced estate plan.

    AdviceDirect™

    Click the "Expand" button for an easy, full-screen view.

    AdviceDirect™ is a subscription-based financial planning and advisory model where clients pay a fixed monthly fee to receive unbiased advice and coaching from a fiduciary financial advisor. 











     
     
    Permanent life insurance is a great tool to fund a Buy-Sell agreements between multiple owners of a business. There are many options for this type of agreement. Find out which options is best for your  business situation. Let's talk. 


     

    Financial Wellness Solutions for Employees

    AdviceDirect™ for Business, an affordable Financial Wellness for Employees. It is a subscription-based financial planning and investment advisory.

    Click the "Expand" button for an easy, full-screen view.

    Living Well for Life

    Click the expand button for more tips and an easy full view.

    Investment Planning and Advisory

    <h1 style="color:#ffffff; text-align:center">#whylucille</h1>
    <a class="contributor" href="https://lucille.passopus.com" target="_blank" title="Contributor"><img src="https://mrouw2-images.s3.us-west-2.amazonaws.com/dom_suggest-lucille.jpeg"></a><div class="mr-oc-video ui-draggable ui-resizable" data-aspectratio="1.7294117647058824" data-msg-video-name="0301190510675_LS-investmentQ-v6" data-orientation="0" data-owner="vendor" data-position="right" data-posterurl="https://passopus.com/ur-img-thumb/https://marketing-resource-vendor-videos-stream.s3.us-west-2.amazonaws.com/0301190510675_LS-investmentQ-v6-banner.jpeg" data-server="us-west-2" data-streamurl="https://marketing-resource-vendor-videos-stream.s3.us-west-2.amazonaws.com/0301190510675_LS-investmentQ-v6.m3u8" data-video-format="portrait" style="float: right; height: 284px; margin: 0.5em; padding: 0px 0px 10px 10px; position: relative; top: 0px; width: 160px; left: unset; box-shadow: rgba(0, 0, 0, 0.25) 0px 14px 28px, rgba(0, 0, 0, 0.22) 0px 10px 10px; shape-outside: padding-box; right: 0px;" videotitle="0301190510675_LS-investmentQ-v6"> <div class="video-js" style="width: 100%; height: 100%; overflow: visible;"></div> </div> <div style="color:#aaaaaa iimportant; text-align:center">&nbsp; <p>Unbiased&nbsp;professional advice and peace&nbsp;of mind.&nbsp; Fee-only Fiduciary Advisor with expertise in finance, investments, estate planning, and medicine who is not beholden to a corporate playbook and hidden fees.</p> <p>Securities, Insurance, Financial, Tax, and Estate Planning<br> Over 30 years of experience in business start-ups and development with over 20 years of investment advisory and business consulting.</p> <div style="align-items:center; background:#11b3b3; border-radius:16px; color:#ffffff; display:flex; height:100%; justify-content:center; padding:16px; text-align:center; width:100%"> <h2><span style="color:#ffffff">Skilled. Experienced. Trusted<br> Licensed &amp; Certified</span></h2> </div> </div>
    760-585-9284
    lucille@finances4life.com
    Financial | Estate | Business Advisor
    Skilled. Experienced. Trusted.

    Lucille M Shaw

    Today's investment climate offers unprecedented opportunities. Our main goal is to help you take advantage of those opportunities by providing you with three essential tools:

    • Clarity - a clear understanding of your financial goal
    • Focus - helping you craft and implement a well-defined roadmap to help you overcome barriers to your success
    • Direction - ongoing unbiased advice to help adjust your roadmap when your needs change

    WellthFusion:

    Where Health Meets Wealth for Balance Life
    Medical Scientist/Technologist turned Fiduciary Financial Planner and Investment Adviser.

    I am passionate about reducing your financial stress by helping you make sense of the financial complexities of retirement, inheritance, loss of spouse, divorce, and other life transitions. I provide guidance, clarity, focus, and direction that empower you to confidently navigate the changes in your lives and focus your energies on your families, work, and life's passions.

    I have been advising medical professionals, small business owners, individuals, and families for over 21 years to grow and protect their assets, increase their income while minimizing taxes, and help them prepare for catastrophic events. I see clients all over the country virtually. Local residence, in-person or virtual.

    Lucille M Shaw

    When you partner with us, you will receive independent advice and “client first” service from a trusted fiduciary advisor intent on growing and preserving your wealth. Our approach is holistic.  We believe that peace of mind comes from planning for each life stage and that your personal and investment plan should reflect how you want to live your life and how you can use your hard-earned money smartly.

    Lucille M Shaw

    Do not place your confidence where it is not deserved:
    "Ignorance Is Bliss"
    Maybe a few items can be ignored.  Money is not one of them.
     

    Lucille Shaw

    Business, Financial and Estate Advisor

    Read about our approach.  Link to a free 30-minute consultation inside.

    Insurance Planning

    <h1 style="color:#ffffff; text-align:center">#whylucille</h1>
    <a class="contributor" href="https://lucille.passopus.com" target="_blank" title="Contributor"><img src="https://mrouw2-images.s3.us-west-2.amazonaws.com/dom_suggest-lucille.jpeg"></a><div style="color:#aaaaaa iimportant; text-align:center"> <p>Unbiased professional advice.&nbsp; Independent Insurance Advisor/broker licensed for over 23 years, with medical education, offering health, LTC, Life, and Disability insurance.<br> <span style="background-color:#ffffff;"><a href="https://fflinsuranceagency.com">FFL Insurance Agency</a>&nbsp;</span><br> License #0G83980</p> <div style="align-items:center; background:#11b3b3; border-radius:16px; color:#ffffff; display:flex; height:100%; justify-content:center; padding:16px; text-align:center; width:100%"> <h2><span style="color:#ffffff">Skilled.&nbsp; Experienced.&nbsp; Trusted<br> Licensed &amp; Certified</span></h2> </div> </div> <div style="text-align:center"><br> I represent you.&nbsp; I aim to ensure you are cared for and meet your goals.<br> CA Ins. License # 0C95345<br> &nbsp;</div>
    760-814-9978
    lucille@fflinsuranceagency.com
    Health | LTC | Life | Disability Insurance&#x26;nbsp;
    Skilled. Experienced. Trusted.

    Long-Term Care

    You have worked hard to build up your assets, and you’re probably wondering: What happens to my savings if I’m affected by a long-term care event? This topic is worth examining in detail.

    With my medical education and experience, I can provide an in-depth perspective on health and long-term care matters. I'm here for you. Let's chat.



     

    Life Insurance

    Life insurance plays a vital role in the financial security of more than 80% of families.

    Over the years, life insurance policies have evolved from contracts that only provide death benefits to complex contracts that often include numerous benefits and features. Let's talk.

    Split-Dollar: How It Works

    Own a business. You need this.

    Health Insurance

     

    Selecting health insurance is often one of your most important decisions. It’s essential to have health coverage so you are covered for any illness or injury and have help paying for medical costs. Health insurance covers expenses for unexpected care and helps maintain your health through preventive care. The key is to understand your needs and match them with the type of insurance that best suits you.
     

    Scan the QR code to get Aetna Medicare Quotes.


    Blue Shield of California

     
    Have questions about your Medicare plan options?
    Book a Call

     

    Medicare Prescription Drugs Plan

    Medicare Part D helps pay for generic and brand-name drugs not covered by Original Medicare. This video will show you when you might want to add Part D coverage to your plan and how to use it.

    My Passion

    Financial Wellness

    #whylucille

    Unbiased professional advice.  Fee-only Fiduciary Advisor with expertise in finance, investments, and insurance who is not beholden to a corporate playbook and hidden fees.

    Skilled. Experienced. Trusted
    Licensed & Certified


    Securities, Insurance, Finance, Tax, and Estate Planning
    Over 30 years of experience in business start-ups and development with over 20 years of investment, insurance, and business advisory.
    760-585-9284
    lucille@finances4life.com
    Financial | Estate | Insurance | Business Advisor
    Skilled. Experienced. Trusted.

    Lucille M Shaw

    Stop hoping. Start planning.

    Three articles from Lucille's Substack:
    1. What Good is Wealth Without Health?
    2. Tax Changes in 2025.
    3. Think a Trust Avoids Probate? Not So Fast.

    THIS VIEW IS EMPTY

    It is not publicly viewable.

    Start entering content into this rolopane window in one of two ways:

    1. Click the "Add New Content" () icon. You can then enter text, paste in embed code, iframes, urls, screenshots, display your own previously uploaded videos into PassOpus for streaming as well as your own messages that will display without a page refresh.
    2. For a faster start while still having all the options listed above, click the "Edit or Save" () icon and paste the embed code, iframe, screenshot or url directly into the form box. The inline editing toolbar will be available for you to enter text into the title and body of the rolpane window.

    The other icons (shifting the rolodex, erasing a menu and pinning a rolopane's rollover point) are simple actions.

    THIS VIEW IS EMPTY

    It is not publicly viewable.

    Start entering content into this rolopane window in one of two ways:

    1. Click the "Add New Content" () icon. You can then enter text, paste in embed code, iframes, urls, screenshots, display your own previously uploaded videos into PassOpus for streaming as well as your own messages that will display without a page refresh.
    2. For a faster start while still having all the options listed above, click the "Edit or Save" () icon and paste the embed code, iframe, screenshot or url directly into the form box. The inline editing toolbar will be available for you to enter text into the title and body of the rolpane window.

    The other icons (shifting the rolodex, erasing a menu and pinning a rolopane's rollover point) are simple actions.

    THIS VIEW IS EMPTY

    It is not publicly viewable.

    Start entering content into this rolopane window in one of two ways:

    1. Click the "Add New Content" () icon. You can then enter text, paste in embed code, iframes, urls, screenshots, display your own previously uploaded videos into PassOpus for streaming as well as your own messages that will display without a page refresh.
    2. For a faster start while still having all the options listed above, click the "Edit or Save" () icon and paste the embed code, iframe, screenshot or url directly into the form box. The inline editing toolbar will be available for you to enter text into the title and body of the rolpane window.

    The other icons (shifting the rolodex, erasing a menu and pinning a rolopane's rollover point) are simple actions.

    A Must have Employee Benefit

    WellthFusion

    PassOpus

    <h1 style="color:#ffffff; text-align:center">Pass Your Work = PassOpus</h1>
    <a class="contributor" href="https://lucille.passopus.com" target="_blank" title="Contributor"><img src="https://mrouw2-images.s3.us-west-2.amazonaws.com/dom_suggest-lucille.jpeg"></a><div style="color:#aaaaaa iimportant; text-align:center">&nbsp; <div style="align-items:center; background:#11b3b3; border-radius:16px; color:#ffffff; display:flex; height:100%; justify-content:center; padding:16px; text-align:center; width:100%"> <h2>Pass Your Work and Build Credibility</h2> </div> </div> <div style="text-align:center"><br> <b>PassOpus</b> has become my&nbsp;passion, which solves the frustration many entrepreneurs face today. My&nbsp;goal and focus are to harness the power of social media to help people promote businesses and social causes without forcing them to live in a virtual world.<br> &nbsp;</div>
    858-217-5877
    lucille@passopus.com
    Collaborate | Organize | Distribute
    Skilled. Experienced. Trusted.
    Joy