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Page 6 Marie a Area Chamber of Commerce Sponsored Advertisement Hall Financial Advisors, LLC 1101 Rosemar Road, Suite A, Parkersburg, WV 26105 416 Hart Street, Suite A, Marietta, OH 45750 TOLL-FREE: (866) 865-4442 Individuals who are married or in a committed relationship face the pos- sibility they'll end up managing fi- nances alone at some point in their lives. Unfortunately, the first time many experience handling complicat- ed financial matters alone is during a personal crisis following the divorce or death of a spouse or partner. We've prepared a list of thought- provoking questions pertaining to financial fitness and crisis prepared- ness. You can use these as a starting point to check how prepared you are to handle a personal financial crisis in your life. Begin by reviewing the questions, and then determine what you've already done and check those items off the list. For the questions you need to address or take action on, seek the advice of your professional advisors and trusted family members. Asset management • Do I have a clear picture of where my assets are located? • Will my retirement assets pro- vide a comfortable retirement for my life expectancy? • Do I have a well-diversified port- folio? • Are my investments appropriate in today's economy? • Are my assets titled properly? • Do I have an emergency fund? • Am I taking advantage of tech- niques to reduce my taxes? • Estate planning • Do I have a will? • Is my will current? • Have I determined what my fam- ily may owe in estate taxes? • Have I funded my estate-tax lia- bility? • Have I explored and taken ad- vantage of wealth-transfer tech- niques? • Do I wish to provide for charita- ble giving? • Are my power of attorney and my living will up to date? • What changes in my life are likely to occur within the next three years? • Do I know the status of my par- ents' and children's financial situations and the implications for my financial well-being? • Would I be prepared for a fami- ly emergency if it happened to- morrow? Learn how to handle debt and find the balance between debt and in- vesting at https:// www.wellsfargoadvisors.com/ planning/goals/getting-started.htm. Our firm does not provide legal or tax advice. Debt management • Do I know my credit score? • Could I get a loan if I applied? Insurance • Do I have enough insurance cov- erage to cover medical expenses? • To provide for disability/long- term care? • To provide for family members' security? • To fund estate-tax liability? In addition … • Have I coordinated my advi- sors' (financial, attorney, CPA, banker) activities? Are You Prepared to Handle a Personal Financial Crisis? Members of the Advisory Team Ashley Ullman, Rob Blasczyk, Brett Bronski, Rob Beardmore, Chris Hall, Manag- ing Principal, Jeremiah Kuhn and Kevin Knab. This advertisement was written by Wells Fargo Advisors Finacial Network and provided to you by Chris Hall, Managing Principal. Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK- GUARANTEED/MAY LOSE VALUE Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC, Member SIPC, a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Compa- ny. © 2018 Wells Fargo Advisors Financial Network, LLC. All rights reserved. CAR-0118-01823