Ian Filippini Santa Barbara Best Golf in Santa Barbara

Ian Filippini Santa Barbara
Ian Filippini Santa Barbara

Best Golf in Santa Barbara

Ian Filippini Santa Barbara

Find out more about author Ian Filippini on

Golf in Santa Barbara is a favorite pastime for many people living and visiting this affluent California city. Although most people do not think of this as a golfing city, the truth remains that so many do, in fact, enjoy a few rounds of golf on a regular basis. Ian Filippini will be the first to tell you that he finds the golf courses in the city entertaining.  Many golf courses exist in the city, enabling every player, from amateur to pro, enjoy a fun-filled, exciting day on the greens doing what they love the most.
A total of six public 18-hole courses exist in the city.  To the delight of residents, four of the six courses are located within a half hour’s drive of the downtown area, and those four are all championship greens. In addition to these six courses, there are also four 9-hole courses as well as private clubs. Ian Filippini and his crew at the Filippini Financial Group oftentimes visit the 9-hole courses when a day of relaxing golf is desired.
A Look at the Santa Barbara Golf Courses
No matter what it is that you have in mind for your day of golfing pleasure, finding it readily available at one of the following golf courses is simple and easy. These are among the top spots to head out to when you want to enjoy a fine game of golf in the city.
Sandpiper
Located within 30 minutes of downtown, Sandpiper is a golfer’s dream come true, whether you are a beginner or more advanced. Everything about this golf course exudes luxury…from the immaculate views and the gorgeous oceanfront. Combined with a professional and responsible group of staff members, and a professional score of 74.2, this is a golf-course that will not be second guesses. Several championship torus are played here each year as well, including The LPGA Santa Barbara Women’s Open and the PGA Tour Tournament Players Series.
Santa Barbara Golf Club
This is an inexpensive golf course that enables players from all walks of life to enjoy a few rounds of golf and enhance their skills at the same time. The 18-hole course sits just over 6,000 foot away from the Pacific Ocean, offers an award-winning PGA golf shop with lessons, clubs, balls and more for sale, and a professional atmosphere and charming ambiance.
Twin Lakes
One of the more popular 9-hole courses, Twin Lakes offers a small, quaint place to play golf. The course has been a part of the community since 1964 when it was designed by Robert Muir Graves. An 8,500 square foot putting green is one of the many highlights that comes along with this intriguing course.
LA Cumbre Country Club & Golf Course
This country club and golf course brings 6,406 yards of amazing golfing fun to life. The course has earned a 70.80 in rating , with a 128 slope. The course has been a part of the community since 1957 when it was designed and opened by William F. Bell.
Rancho San Marcos
This golf course was established by the Santa Barbara Mission. It contains far more than a golf course, though individuals that are interested in golfing are sure to find it one of the top choices in the entire city.  The course was opened in 1998, and in those more than 15 years, thousands of amateur and professionals alike have took their swing of the club and enjoyed their name on the greens.  The course sits on more than 300 acres and was designed by Robert Trent Jones Jr.   While a challenging course, it is one that is still fun nonetheless.
These are just a handful of the many courses out there for you to choose from. As you can see, there is certainly something for everyone, any day of the week. If you enjoy playing golf, these courses will not disappoint you.
Talk to the Professionals –They Love Golf, too
Filippini Financial Group is a wealth management agency that knows a thing or two about keeping your finances in order. They offer an array of services attractive to anyone in the area who cares about their financial status in life. But, they also know that all work and no play is no fun at all! Golf is a great game, even to those who work hard at the Filippini Financial Group, so make sure that you are a part of the fun and excitement, too!

 

 

 

Ian Filippini Santa Barbara 20 Fun Things to do in Santa Barbara

Ian Filippini Santa Barbara
Ian Filippini Santa Barbara

20 Fun Things to do in Santa Barbara

Ian Filippini Santa Barbara

Find out more about author Ian Filippini on

The community of Santa Barbara brings elegance to a higher standard, and with just one breath of the fresh air, you will understand that the city is not the average California town. There’s lots of life abound in the city, with men and women of all ages enjoying a plethora of fun activities of various nature. If you’re a resident or a visitor, take a look at 20 things that you must do in the city before you leave:
1. Visit the Zoo: Children and children at heart will appreciate all that the zoo has to offer them. More than 1,600 animals call the zoo home, and there’s plenty of special attractions that you’re sure to find lots of fun, including the African Safari.
2.  Museum of Art: A visit to the Museum of Art is one that will fill you with lasting memories. There are many interactive exhibits for all ages, as well as a nice variety of art from 19th and 20th century America.
3. Visit State Street: If you’re in Santa Barbara, you need to make your way to State Street. This is where it is happening in the city. There’s a little bit of everything on State Street, from fantastic shopping, antiques, dining, and amazing scenery and views.
4. The Granada Theater: Here there is always something fun going on, whether a performing arts event, a concert or a Broadway musical. This is a long-time establishment in the area, with its foundation in 1924.
5. Walk Shoreline Park: This is a place of bliss, and the perfect place to spend any day or night. There are wonderful views of both the Pacific Ocean and the mountains, so you get the best of both worlds. Ian Filippini often spends time here.
6. County courthouse: This landmark was established in 1929. Its amazing architecture is just the beginning of what awaits visitors. There is a lush botanical gardens and an amazing lawn for a nice day of relaxing.
7.  Visit the Santa Barbara Mission: This religious establishment is a long-standing part of the city and has been near the downtown area since 1729. Religious events still take place here today, and there is plenty of photographs and memorabilia from early times in the city.
8. Relax at the Botanical Gardens: The unpaved tracks are perfect for walking, and the tranquil setting and astonishing flowers complete a day of bliss for people of all ages.
9. Visit the Beach: Miles and miles of glorious beaches exist in the city, and no trip is complete without a visit. You can get a tan, enjoy the waves, socialize and more on the beaches, and you will feel great when you do! If you see any of the Filippini Financial Group at the beach, including Ian Filippini, don’t be surprised.
10.  Hit the Greens: Golf is popular in the city, and there are several different courses that can help you enjoy a fun day of play.
11. Stearns Wharf: This is the top tourists spot in the city, and a place that you need to be when it is fun that you want in your life. Enjoy fishing, the sea center, dining, shopping and much more.
12. Taste the Wine: There is no wine quite as nice as that you will find in Santa Barbara.  Make sure that wine tasting events are scheduled on your itinerary.
13. Talk to Ian Filippini: The owner of the Filippini Financial Group, Ian is ready to give you expert advice on many different financial needs. He is a wealth advisory agent, and his Filippini Financial Group team are certain to impress you!
14. Climb Santa Ynez Mountains: Need we say more?
15. Go Camping: Another activity that might take you near the Santa Ynez Mountains, camping is fun for the family!
16. Go to the Spa: There is nothing like being pampered, and this is a city with plenty of spas that will do just that. Check one of them out!
17.  Visit the Farmers Market: There is no better place to get your fresh fruits and veggies than at the Farmers market, so make sure this is a stop you have planned.
18. Go to the Park: There are more than 21 parks available in the city, so plan a picnic, a day out with Fido or a game of volleyball and head on out.
19. Nederland Ranch: The King of Pop, Michael Jackson, is no longer with us, but his Neverland Ranch is still in full status in the SB area.
20. Take a Day Trip: There are many fun places near Santa Barbara that you can enjoy, and the views on the way are amazing. Make your way to Gaviota State Park, or even head out to Los Angeles and pop over to see Mickey at Disneyland.

Ian Filippini Santa Barbara – Final Wishes

Ian Filippini
Ian Filippini

Ian Filippini

Final Wishes

Find out more about author Ian Filippini on

It may sound gruesome, but someday we have to face the facts that we are all going to die one day.  Of course we always hope that that day will be later, rather than sooner, but it is always best to hope for the best and plan for the worst.  A good thing about thinking about your death and actually planning for it is that it can give you peace of mind that this will be one less thing that your family and loved ones have to deal with when you are gone.  Having a family member or a loved one die can be hard enough, emotionally and financially.  The more there is in place while you are still alive, the easier it will be for those you love after you are gone.  But where do I leave any final wishes I may have about what do with my body?  Can I write this information in my will?  In this article, Ian Filippini and Filippini Financial Group, Inc. will briefly discuss how you should leave the information of your final wishes and arrangements?
Ian Filippini and Filippini Financial Group, Inc. would first like to address the subject of writing the wishes for your final arrangements right into your will.  This does sound like the most logical thing to do, but Ian Filippini would like you to consider a couple of things before you are set in that decision.  According to Ian Filippini and Filippini Financial Group, Inc., if you leave the information of what you want your final arrangements to be in your will, and your will is not found right away, that could infringe upon your wishes.
Ian Filippini and Filippini Financial Group, Inc. says that the best thing to do is write this information down and leave it somewhere easy to access (perhaps in your home).  Ian Filippini also says to make sure and tell people where this information can be found, so that it happens fast and easily.
Ian Filippini is a Santa Barbara local and still lives in the Ian Filippini Santa Barbara area as well. Ian Filippini is the current president of Filippini Financial Group, Inc. Filippini Financial Group, Inc. was created by Alfred Filippini (the late father of Ian Filippini). Ian Filippini still has family in the area. His mother, Deborah Filippini, lives in the Ian Filippini Santa Barbara area. His brother Alex is always close by to lend a hand with Filippini Financial Group, Inc.
Ian Filippini is not licensed to practice law and is not an attorney. Filippini Financial Group, Inc. is not licensed to practice law. Consult with a licensed attorney to address any legal questions or concerns that arise.

Ian Filippini Santa Barbara Your Final Arrangements

Ian Filippini

Ian Filippini Santa Barbara

Your Final Arrangements

Find out more about author Ian Filippini on

Final arrangements may not be something that you have thought of yet, and if it isn’t, it should be.  It can put you at ease knowing that even after you are gone, your wishes for your final arrangements are being upheld.  Let’s talk about what I mean by final arrangements.  The most important piece to this puzzle is whether you would like your body to be embalmed (or not) and buried, or cremated.  Everyone should have their final arrangement wishes written out and put in a safe, but easily accessible place (and don’t forget to tell people it is there).  These final wishes of yours should not be written into your will, as it can sometimes take weeks to find a will and have it read.  Your wishes should be immediately available to ensure that your wishes can actually be carried out.  What if you don’t ever get around to writing these wishes down?  What other information should you include besides instructions on what to do with your body?  Ian Filippini and Filippini Financial Group, Inc. will briefly discuss the answer to these questions in this article.
Ian Filippini and Filippini Financial Group, Inc. asserts that you should definitely have what you wish to be your final arrangements written down and properly stored.  Assuming you have done this, Ian Filippini thinks that you should also include information on what institution will be in charge of dealing with your body.  Ian Filippini and Filippini Financial Group, Inc. also thinks that you should leave any information on where you would like your remains to end up, and any other details about burial, or scattering.  Ian Filippini and Filippini Financial Group, Inc. says that if you would like to write down any pall bearers you want, you can do that as well; basically, include any details that you would like.
Ian Filippini and Filippini Financial Group, Inc. say that if you do not have anything written, the courts will choose who decides what to do with your body.
Ian Filippini is the current president of Ian Filippini Santa Barbara’s Filippini Financial Group, Inc. Ian Filippini’s late father, named Alfred Filippini, was the founder and creator of Filippini Financial Group, Inc. Ian Filippini’s brother has also been there to help out with Filippini Financial Group, Inc. Their mother, named Deborah Filippini, still lives in the Ian Filippini Santa Barbara area.
Ian Filippini and Filippini Financial Group, Inc. are not licensed to practice law. Ian Filippini is not an attorney and Filippini Financial Group, Inc. is not a law firm. Do not use this article as legal advice. Consult a licensed attorney for any legal needs or concerns you may be faced with.

Ian Filippini Santa Barbara Need to Know Estate Planning

Ian Filippini
Ian Filippini

Ian Filippini

Need to Know: Estate Planning

Find out more about author Ian Filippini on

There are a lot of things in life that we should know.  In fact, there are a lot of things in life that we should know that in fact do not.  Of course there are things that we will never know—important things such as what happens after we die, or how to get red wine stains out of white upholstery.  But there are some things in life that we should just know about—even if it seems too complicated, or out there, or not for you.  Estate planning is one of these things in life that everyone should know about and be aware of.  Estate planning is a big and important part of planning for after you are gone.  Some people think that they know about estate planning, when really, all they know is that a will is a part of estate planning.  The real story is that there is a lot more to estate planning than just a will (although everyone should also have a will, because it is still an important piece to any estate plan).  Ian Filippini is a professional estate planner.  Ian Filippini is also a professional financial advisor.  In this article Ian Filippini and Filippini Financial Group, Inc. will briefly mention some elements to estate planning that you may not know about, but should definitely consider.
Ian Filippini and Filippini Financial Group, Inc. reminds you to choose beneficiaries for any types of accounts that you have.  Ian Filippini and Filippini Financial Group, Inc. say that any bank accounts and any life insurance accounts should have beneficiaries listed on them because then those monies can go right to the beneficiaries.  Ian Filippini says that everyone should do this.
Ian Filippini and Filippini Financial Group, Inc. also asserts that if you do not already have life insurance, that you should definitely have life insurance.  Ian Filippini says that this is very important in estate planning or creating estate planning documents.

Filippini Financial Group, Inc. is not a law firm and is not licensed to practice law. Ian Filippini is not an attorney and also is not licensed to practice law. Retain a licensed attorney to provide guidance and answers for any legal questions you may have.
Ian Filippini works and lives in the Santa Barbara area. Ian Filippini is also the current president of Filippini Financial Group, Inc. Ian Filippini was raised by his parents Alfred Filippini (passed away in 2009) and Deborah Filippini (still alive and well). Ian Filippini has always had his brother, Alex Filippini, closed by to help out with Filippini Financial Group, Inc.

Ian Filippini Santa Barbara More On How To Make An Estate Plan

Ian Filippini
Ian Filippini

Ian Filippini

More on How to Make an Estate Plan

Find out more about author Ian Filippini on

 

Ian Filippini and Filippini Financial Group, Inc. has written many article on estate planning.  Ian Filippini is an estate planning professional.  Ian Filippini is also a financial planner and advisor.  In today’s world, the truth is that everyone should have an estate plan.  It does not matter if you have a huge “estate” or not.  The term estate just means whatever you own, whether it be property, or assets, or both.  Almost everyone could use an estate plan to their benefit because almost everyone owns something, even if it is just their insurance policy.  There are a million different ways to put together an estate plan.  There can be many parts to it.  In this article Ian Filippini and Filippini Financial Group, Inc. will briefly discuss some elements to consider including in your own estate plan.  Ian Filippini and Filippini Financial Group, Inc. reminds you to always make estate planning decisions with a professional, in regard to your own personal situation.
Ian Filippini says to strongly consider making someone trusted in your life, your financial power of attorney.  Ian Filippini says that this means that if you somehow are unable to take care of your finances (perhaps you were in a terrible accident that has left you unable to communicate), your financial power of attorney would have the legal right to take care of your finances for you.  Ian Filippini and Filippini Financial Group, Inc. say that this has to be a person that you trust implicitly.
If you have minor children and you plan to leave any property to them, Ian Filippini would like you to think about naming an adult to manage this for them until they are of age to do so themselves.  Ian Filippini and Filippini Financial Group, Inc. say that this can be a delicate situation, so think long and hard about who you will trust to manage money or property for your kids.
Ian Filippini is not an attorney or licensed to practice law. Filippini and Filippini Financial Group, Inc. is not a law firm and is not licensed to practice law. Go to see a licensed attorney for any legal advice or legal questions that you may have.
Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini. Filippini Financial Group, Inc. is situated on Coast Village Road in Montecito. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito and Santa Barbara area. Ian Filippini’s brother also has worked for Filippini Financial Group, Inc. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach.

 

Ian Filippini and Filippini Financial Group, Inc.’s Learn How To Play Probate Keep Away

Ian Filippini
Ian Filippini

Ian Filippini and Filippini Financial Group, Inc.’s

Learn How To Play Probate Keep Away

Find out more about author Ian Filippini on 

Ian Filippini explains that probate is one of those things that you just do not want to have to deal with, (that is, unless you are a probate lawyer and you get paid for it). It takes up your time, it usually takes a considerable cost, it ties up the estate, not to mention that it also continually brings up the fact that you have recently lost a loved one (presumably loved one). The binding thought between all of this is how to get out of going through the probate process. Of course, as with all estate planning, you will need to consult a professional that handles estate planning in order to put these probate allergic processes into action! Ian Filippini is a professional estate planner. Ian Filippini is also a professional financial planner. In this article, Ian Filippini and Filippini Financial Group, Inc. will briefly discuss some tricks to make probate stay away from your estate.

According to Ian Filippini, there are three major ways for your estate not to not end up in probate court. The most obvious way to avoid the probate courtroom is to put your property into one or more living trusts, says Ian Filippini and Filippini Financial Group, Inc. The assets inside a living trust are owned by the actual trust, not any one person and so cannot be considered as part of someone’s estate, says Ian Filippini. Ian Filippini would like you to note that there are some things that cannot go into a living trust, so please contact your estate planner to find out if any of your property would be exempt from a living trust.

Ian Filippini and Filippini Financial Group, Inc. say that you can also create a life estate, which will automatically pass the property to someone else when you die. Ian Filippini and Filippini Financial Group, Inc. also suggests joint tenancies for physical property.

Ian Filippini currently serves as the president of Montecito’s Filippini Financial Group, Inc. Ian Filippini was born in Northern California and is now a Santa Barbara local. Alfred Filippini and Deborah Filippini, Ian Filippini’s parents, moved the family down south to the Santa Barbara area. Alfred Filippini also founded Filippini Financial Group, Inc. Ian Filippini’s brother, Alex Filippini, also has worked for Filippini Financial Group, Inc. in the past.

Ian Filippini and Filippini Financial Group, Inc. are not licensed to practice law. Ian Filippini is not an attorney nor is Filippini Financial Group, Inc. a law firm. This article is not intended and does not provide legal advice. Consult with a licensed attorney to address your legal issues, questions or concerns you may be involved in.

What Do I Do If An Estate Has To Go Through Probate?

Estate Planning 101: Grandparent Edition Part 5

Estate Planning 101: Grandparent Edition Part 4

Ian Filippini’s Tour of Santa Barbara Part 2

Pet Protection with Estate Planning

Estate Planning with a Pet Trust

Estate Planning: Don’t forget the Dog!

Ian Filippini: What Do I Do If An Estate Has To Go Through Probate?

Ian Filippini
Ian Filippini

Ian Filippini

What Do I Do If An Estate Has To Go Through Probate?

Ian Filippini explains that probate is definitely not a pleasant thing to have to go through; the most obvious reason is that someone you know and/or love has just passed away.  Another reason why people do not associate probate with butterflies and flowers is because the process can be expensive, complicated and can take a long time.  Of course the point of probate is to distribute the deceased person’s estate to the correct persons or entity (such as taxes going to the government).  Now that you are familiar with the bare basics of what probate is, you may want to know where to begin in the probate process.  Ian Filippini is an experienced estate planning professional and financial consultant.  In this article, Ian Filippini will briefly talk about the steps to take if you find yourself needing to go to probate court.

Ian Filippini says that there are two things that must happen within thirty days of a person dying.  The first thing that must be done, according to Ian Filippini, is that the will must be brought to the probate court in the county where the person died.  The next thing that has to happen, says Ian Filippini, is that a copy of the will must go to the executor of the estate (if this is a different person who is already in possession of the will).  Ian Filippini reminds you that these two things must happen within thirty days of the estate owner’s death.

After the above has been completed, then someone will need to begin the court filing to begin the actual legal process, says Ian Filippini.  Ian Filippini says that the court will then set a date to begin probate and it is basically all in the hands of the court at this point.

Ian Filippini is not an attorney and does not provide legal advice. This article is not to be considered legal advice. Filippini Financial Group, Inc. is not a law firm and does not provide legal advice either. Seek the advice of a licensed attorney or law firm with any legal questions or concerns.

Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California. The current president of Filippini Financial Group, Inc. is named Ian Filippini. Ian Filippini and Filippini Financial Group, Inc. provide their clients with value in many different areas including: estate planning, insurance, real estate and taxation.

Ian Filippini was born and raised by his parents: Alfred Filippini (Alfred passed away in 2009) and Deborah Filippini (still alive and in the area). Ian Filippini also has a brother, Alex Filippini, that is close by and ready to help out with Filippini Financial Group, Inc.

Ian Filippini Estate Planning 101: Grandparent Edition Part 5

Ian Filippini
Ian Filippini

Ian Filippini

Estate Planning 101: Grandparent Edition Part 5

Ian Filippini has seen that being a grandparent is a special privilege.  Most grandparents already have an estate plan in place, if not because of their estate size, but because of their age.  Grandparents also probably have a financial advisor that they have worked with over the years.  Hopefully, any grandparents do already have an estate plan in place and do have it reviewed regularly, especially when any life changing events happen.  Estate plans can do several things to preserve your estate after you are gone, but can also assist your grandchildren, while you are still here.  Your financial advice should always come from a dependable and trusted financial professional.  Ian Filippini is a reliable and knowledgeable financial professional.  In this article Ian Filippini will briefly discuss some details you should think about when planning to create a 529 account.

Ian Filippini defined the basics of a 529 account in his previous articles in this series.  A 529 account, according to Ian Filippini, is a savings fund to set up for your grandchildren’s college fund.  You can also take money out of the account if you need to, for other reasons (tax penalties will occur), says Ian Filippini.

Ian Filippini hears lots of questions surrounding 529 accounts.  One of the questions he has been asked is: what if my grandchild does not end up going to college?  Ian Filippini says that the answer is this: you can either change the beneficiary to some other family member who may need college tuition assistance, or you can take the money out for yourself. Ian Filippini wants you to know that if you do decide to use the money yourself that you will be heavily taxed.  Ian Filippini says that you should carefully consider these things. Filippini Financial Group, Inc. was originally founded by Ian Filippini’s late father Alfred Filippini. Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito and Santa Barbara area.

Ian Filippini is Filippini Financial Group, Inc.’s current president. He also carved out enough time to write a number of articles. Each articles mention different topics relating to real estate, financial advice, insurance, tax, asset protection, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years with their expertise and hands on approach. This enables them to provide value to their clients and hundreds of retirees and pre-retirees in many areas of wealth management.

Ian Filippini is not an attorney.  No advice is given or intended.  This article is not to be considered legal advice.   Filippini Financial Group, Inc. is not a law firm.

Ian Filippini Estate Planning 101: Grandparent Edition Part 4

Ian Filippini
Ian Filippini

Ian Filippini

Estate Planning 101: Grandparent Edition Part 4

Being a grandparent in a precious thing, thinks Ian Filippini.  Most people, well, most grandparents, have an estate plan, and have most likely had one for a long time now. Grandparents also probably have a financial advisor that they have worked with over the years, or maybe are trying out another financial planner to review items in their estate plan. Hopefully, any grandparents, already have created an estate plan and do have it reviewed regularly, especially when any life changing events happen.  Estate plans can do many things to preserve your estate after you are gone, but can also assist your grandchildren, while you are still here.  Your financial advice should always come from a dependable and trusted financial professional.  Ian Filippini is a reliable and knowledgeable professional financial advisor.  In this article Ian Filippini will briefly discuss some details you should think about when planning to create a 529 account.

Ian Filippini has already explained in previous article that a 529 account is a savings plan for your grandchild’s college education.  If you need to use the money for something else, you still have control over it at all times, according to Ian Filippini, with the necessary taxes taken out.  A question about 529 accounts Ian Filippini has heard is this: will the 529 account make it harder for my grandchildren to get any financial aid?  Ian Filippini says no and yes.  According to Ian Filippini, just having a 529 account in your grandchild’s name will not affect their chance of getting financial assistance from their college.  However, Ian Filippini says that if any of the money is used for tuition, then that will count against them when applying for aid the next college year.  Ian Filippini says to consider this.

No advice is given or intended.  Filippini Financial Group, Inc. is not a law firm. This article is not to be considered legal advice.  Ian Filippini is not an attorney.

Ian Filippini is Montecito’s current president of Filippini Financial Group, Inc. He also took time away from meeting clients to write a number of articles. These articles generally are relating to financial consulting, tax exemptions, real estate, insurance, tax, asset protection, financial advice, and estate planning. Ian Filippini and Filippini Financial Group, Inc. have spent years using their expertise and hands on approach with their clients. They are able to provide value to hundreds of Montecito’s retirees and pre-retirees in many areas of wealth management.

Filippini Financial Group, Inc. was initially set up by Ian Filippini’s late father Alfred Filippini (gone as of 2009). Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito area.

Ian Filippini’s Tour of Santa Barbara Part 2

Ian Filippini
Ian Filippini

Ian Filippini’s

Tour of Santa Barbara Part 2

Part 1

Part 3

Part 4

Part 5

Ian Filippini has been a long time resident of beautiful Santa Barbara.  Ian Filippini spent the latter half of his teen years and continues to spend adulthood in this phenomenal city.  As mentioned in previous article, Part 1, since Ian Filippini has been here in Santa Barbara for so long now, he has a pretty good grasp on the must-do’s around town.  There are so many fun and awesome things to do and to see in Santa Barbara that I could not possibly name them all in one short article.  In this article we will briefly discuss some of his favorites in the city of Santa Barbara.

One of my most favorite things to do in the great place known as Santa Barbara is golf.  Ian Filippini has experience at all of the local golf courses here in Santa Barbara.  Ian Filippini likes many of the courses, but the Sandpiper Golf Course is his absolute favorite.  Ian Filippini knows that this golf course is technically in Goleta (just north of Santa Barbara) but he would still include it on his tour of Santa Barbara if you were to come visit here.

Another thing you should do when you are in Santa Barbara is try some fishing.  Ian Filippini has tried both fishing off of the Santa Barbara pier, and Ian Filippini has also tried deep sea fishing out on a boat.  Ian Filippini definitely recommends some type of fishing while you are in Santa Barbara to get the whole ocean side experience.

Lastly, we should discuss entertainment venues in Santa Barbara.  Due to its historic value (and its beauty) Ian Filippini suggests you visit the Granada theater if you visit Santa Barbara.

Ian Filippini

 

Filippini Wealth Management, Inc. was founded and created by Ian Filippini. Ian Filippini enjoys overseeing the day to day operations of the business and has his brother, Alex Filippini, is usually close by to lend a hand. Filippini Wealth Management, Inc. is SB’s one stop shop designed to provide value to our clients in the areas of taxation, insurance and real estate.

Ian Filippini Better Business Bureau

 

Ian Filippini takes the time to understand his client’s goals and the best way to implement them. Filippini Wealth Management, Inc. is located near Santa Barbara (SB), in a town called Montecito. Filippini Wealth Management’s office is located just outside of the Santa Barbara city limits, but still within Santa Barbara County. Ian Filippini’s parents, Alfred Filippini (deceased) and Deborah Filippini decided to move the family to the Santa Barbara area. Ian Filippini has been all over the world and still agrees that Santa Barbara is the place to be!

Pet Protection with Estate Planning

We love our pets. They are always there and never judge us (except for Cats)! Some of us do not have extended family or children and care for our pets instead with just as much love and affection. It is no wonder that these animal lovers are concerned with the fate of their loved ones (pets) when they are no longer there to care for them. The easy answer to pet protection is done with estate planning. Estate planning for your pet can help provide a high level of peace of mind for the pet owner and actually allows for a process to be put into place for after the pet owner is gone. Through estate planning, we are able to achieve this goal either using Wills, Pet Trusts, or Pet Protection agreements. There are pros and cons to all three different options. Please consult with your local estate planning professional to determine the local state laws and confirm the most advantageous course of action for your estate planning and pet protection.

Wills are valid after death and the main purpose is to distribute property and assets from the estate plan to those named in the will. Just mentioning a pet is not enough and will not be a solid as a plan that includes very clear instructions that are unquestionably what you wanted to have done with your pet. The issues with using a will does not mean that it should not be used, only that it cannot be the only option and should be supplemented with another estate planning tool to provide your pet with protection.

Pet trusts provide a little more structure, legitimacy and protection than other estate planning methods. A pet trust is freestanding and more traditional way of pet protection through estate planning. This strategy enlists a trustee who will distribute the funds, property or assets to the designated person in charge of caring for the pet in the manner instructed by the pet owner within the pet trust document.

A pet protection agreement is for the less sophisticated individuals that do not want to get involved with a will or trust. It is similar to a will in that is just a request, but it is specifically for the use of pet protection.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini’s is a California native and born to his parents, Alfred Filippini (deceased) and Deborah Filippini. Ian Filippini and the family loves living in the Montecito, Summerland and Carpinteria (Santa Barbara) area. Ian Filippini’s also has a younger brother by a year and half or so named Alex Filippini, who also worked for Filippini Financial Group.

Estate Planning with a Pet Trust

It is not an easy decision to start estate planning. There is a lot to think about and even more decisions to be made. For those of us that have a furry pet we want to be looked after when we are gone or disabled, we have options. There are a number of states that accept a pet trust and there a several states that consider it not to be valid. Other states have discretionary authority on a case by case basis involving a pet trust when someone is gone. A local attorney versed in the pet trust area should be able to shed some light on what that states current laws are in regards to pet trusts. If your state does not have any laws regarding estate planning for a pet through a pet trust, contact your local representative. Sometimes it is because the issue has never arisen in that district and never brought up for legislative consideration.

The primary reason for a pet trust, aside from caring for the pet, is peace of mind for the pet owner that their wishes will be carried out according to their written instructions. Most of these pet trusts are enforceable by federal and state law; providing another layer of protection for your estate plan and pet trust. It is in the best interest of your estate plan and your actual pet to be as detailed as possible for the future care of this animal. The brand of food, daily routine, daily walks, and regular vet visits, dietary needs, allergies or if they pet should get a T-bone steak every other Tuesday – it can be specified with the estate plan and or pet trust. It is not just for the pet owner’s death. It can be stated that if the pet owner become seriously ill, seriously disabled or incapacitated can trigger the start of the benefits and care for the pet. The pet owner usually knows their pet best and are usually the only ones qualified to make decisions on the pet’s lifestyle. In order to have a trust completed for your pet, you will need to designate someone (and provide address and telephone) for the following positions: trustee, successor trustee, animal caregiver, successor caregiver, and of course the actual pet!

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini and his other brother Alex Filippini, were raised by their Dad and Mother. Their parents were named Alfred Filippini (deceased) and Deborah Filippini (Deb, Debbie). The family lived in the Montecito (Santa Barbara) area.  Both brothers, including Ian Filippini, also worked for Filippini Financial Group.

Estate Planning: Don’t forget the Dog!

Estate planning requires a lot of research, thought and preparation. Sometimes we can feel overwhelmed by all of the decisions and scenarios that are involved in estate planning. It is because of this that most of us get bogged down with the big picture estate planning and seem to let the small decisions fall by the way side. Sometimes these small decisions are actually the ones that can be the most important to us. Deciding who your heirs will be, getting all of your property titled correctly, getting the social security numbers of your grandchildren, and planning for your spouse after death are the big picture issues to deal with that can turn out to be much more complicated than we first anticipated. What about “man’s best friend?” Your dog may have been with you for years, maybe won a few contests. It does not matter what level of attachment you have for your dog, if there is any attachment – you will be kicking yourself for neglecting to take care of your dog in the estate plan. Others of us only have our dog and treat them as we would our children. They need to understand it is possible to include your dog in your estate planning process. (Disclaimer: Cats are allowed to be included in an estate plan too!)

There are about seventy eight million dogs and eighty six million cats owned in the United States. This leaves around four hundred thousand pets a year looking for new homes because their owners have passed away. To ensure proper care for your four legged loved ones, estate planners often recommend making a formal trust or declaration or provision in an existing trust. When creating these documents, you can schedule the benefits to occur immediately or only commence once you are incapacitated, disabled or dead. If you have a living trust already in place, it may be more cost efficient to add a provision to the trust that specifically sets aside a certain asset or other property for the benefit of the pet in question. If you do not have a living trust and decided not to have one, it could be more cost efficient to draft a pet trust separate from your other estate planning. It is more expensive to set up an entire estate plan if all your goals can be accomplished by a simple pet trust. Consult an attorney to research fees.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini is happy to have been brought up parents, Alfred Filippini “Big Al” (deceased) and Deborah Filippini (Debbie). They lived in the Montecito (Santa Barbara) area. Alex Filippini, Ian Filippini’s brother, also worked for Filippini Financial Group,

Estate Planning and Funding your Pet Trust

Estate planning is not just for the benefit of human beings. Estate planning can also benefit our four legged friends with a pet trust. When someone sets up a pet trust, or includes a pet trust provision in another one of their trusts, they are essentially using their estate plan to ensure their pets are taken care of for life. Once the proper documents are drafted, the pet trust will need to be funded in order to function properly in the case of your disability, incapacitation, or even death. Depending on your current situation and how it is set up will determine the best way to fund the pet trust and your estate planning.

Let us assume that the trust was created while you were alive. If that is the case, then a direct transfer of money, assets or other property should be done. This transfer should go to the trustee of the pet trust (designated when drafting the documents). It is critical to keep documentation of the transfer and follow the correct tax laws depending on what asset or property is used to fund the trust. If paying with a check, make sure to include the purpose in the memo line. Make copies of the check and the section of the bank statement showing that is was taken from the account. If possible, obtain copies for the pet trust showing the deposit into the actual trust account. Consult an attorney if your desire is to transfer land into your estate plan. You will want an attorney to draft a deed showing change of ownership to the actual pet trust. Once the deed is prepared, it should be recorded with the county that the land is located in (an attorney will be able to help record the necessary legal documents for the overall estate plan too). Again, make sure to obtain photo copies of the documents for the transfer of the property in a safe place. If you decide to have the pet trust funded upon your death, disability or incapacitation; make sure your estate plan includes proper language in a provision that sets aside assets or property that are specifically ear marked for the pet trust.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini was born in Northern California along with his brother Alex Filippini. Their parents, Alfred Filippini (deceased as of 2009) and Deborah Filippini moved the family down to Carpinteria and then the Montecito (Santa Barbara) area. Ian Filippini and his brother also worked for Filippini Financial Group, Inc.

Domestic Asset Protection

Asset protection is a used by a wide range of people and corporations. From the working class individual that files for bankruptcy or the billionaire using asset protection from a nasty lawsuit, every walk of life uses asset protection. Local Mom and Pop stores across America and major corporations even file bankruptcy and need to seriously consider their asset protection plan.

One of the easiest and common ways for asset protection includes a transfer of assets. An individual would transfer their personal accounts to another trusted individual or family member’s name. This is usually for a short term asset that will almost certainly be depleted in the near future. If that individual files bankruptcy or owes child support, suddenly receives thousands of dollars. These monies could have been received from a lawsuit settlement or Christmas bonus. For example, they may choose their Uncle and deposit the funds into the Uncle’s account. The individual would then access and spend money from the Uncle’s account. This prevents the ex-wife, mother of child, or bankruptcy trustee from gaining access to those funds.

There are two, more complicated and seriously involved, ways to achieve the asset protection goal. There is domestic asset protection and offshore asset protection. We will focus on domestic asset protection. For business owners, this is achieved by setting up corporations. Corporations help to separate business liabilities from the personal assets of your family. If the business is sued or files for bankruptcy, the corporation assets and liabilities become separate from the assets and liabilities of the business owner’s. Some business owners and individuals can file corporations in different states. Different states have their own tax code and rules applying towards asset protection. Depending on the business owner or individual’s needs, setting up a corporation out of state may help achieve your asset protection goal. But, be careful of the state’s different laws and contact a local bankruptcy attorney to confirm the law.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not a bankruptcy attorney.  Filippini Financial Group, Inc. is not a law firm.

Alfred Filippini and Deborah Filippini gave birth to Ian Filippini. Ian has a brother, Alex Filippini, that has already worked for Filippini Financial Group, Inc. The reside in the Santa Barbara area of Montecito, California.

Questions to Ask Yourself before Bankruptcy

The United States is going through a difficult economic time. The economy is struggling, unemployment is on the rise and it seems more and more people have decided to file for bankruptcy. Sometimes bankruptcy is the answer, and sometimes it is not. Thorough research and investigation must be done to determine if bankruptcy is actually the answer for you. Whether through a friend, a website from the internet, a book or other referral; actually take the time to make sure you understand the options. Although bankruptcy can be a great tool, it may not be a suit for you. The last thing you need, in these troubled times, is to have an unnecessary bankruptcy filing and put everything you are working for at risk. Before jumping into bankruptcy without any asset protection, take the time to ask yourself several questions. Below are some questions to consider before making a decision:

-How old am I?

-What are my current debts?

-How much am I in debt?

-How long will it take me to pay off my current debts?

-Can I repay all of my debt?

-How much do I make per year?

-What are my current assets (make a list)?

-What are the values of my current assets (already listed above)?

-Do I have an estate plan or asset protection plan?

-Do I even need an asset protection plan?

-Do I have a trust? Is our trust revocable? Is our trust irrevocable?

-Do we have a family limited partnership?

-Do I have my wills filled out properly?

-Have I given any gifts recently?

-Have I file bankruptcy before?

-Will bankruptcy affect my credit score?

-How long will bankruptcy affect my credit score?

-Do I need a bankruptcy attorney?

-Does the attorney know about asset protection?

-Should I hire an estate planning attorney?

 

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not a bankruptcy attorney.  Filippini Financial Group, Inc. is not a law firm.

Alfred Filippini (deceased) and Deborah Filippini, lived in the Santa Barbara (Montecito) area. Ian Filippini’s youngest brother, Alex Filippini, has also worked for Filippini Financial Group, Inc.

Citigroup Repays for Lehman Brothers Company Filing Bankruptcy

$360,000,000 will be paid to the brokerage estate of Lehman Brothers from Citigroup, Inc. This was done to help end a dispute that the bank was forced to show funds on the ledger before the bankruptcy was filed. The original dispute for a total of $1,000,000,000. The trustee liquidating Lehman Brother’s U.S. brokerages reached a settlement that will have Citigroup Inc. give up claim to $75,000,000 that was conditionally paid to the state at the beginning of the liquidation. The trustee filed this claim against Citigroup early sometime last year, claiming that the $1,000,000,000 was gathered under coercion. That amount should be part of a general asset pool and would be divided with creditors following the bankruptcy law. Of course, Citigroup has countered these claims and accusations. Citigroup feels they are more than within their rights to keep the $1,000,000,000 under the U.S. Bankruptcy Code’s “safe harbor” requirements. If this is the case, it would shield certain financial transactions from being included in the creditor asset pool. Worst of all is that none of this is good for the estate of Lehman Brothers. Constant litigation involves enormous court fees and expenses. This is not even including what the lawyers are charging the estate to defend it. Lehman Brothers is currently in the process of being wound down after it emersion from bankruptcy in March 2012. Lehman will have to pay out of $33,000,000,000 out of about $65,000,000,000 still owed to creditors. That is about $.21 on the dollar that was recovered. And this is just with the U.S. division. The U.S. brokerage has recently reached a settlement over litigation involving $38,000,000,000 of asset claims with their European unit of Lehman brothers. This can be seen as a giant step forward for customers and creditor’s collection or recovering their monies.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not a bankruptcy attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini and his brother, Alex Filippini, both worked for Filippini Financial Group, Inc. Their late father, Alfred Filippini, was also involved in the family business. Ian still has his mother, Deborah Filippini, and family can be found living in the Montecito or Santa Barbara area.