Book Promo: FREE AND FEARLESS by Phil Moser

Free and Fearless:
The Amazing Impact of
One Precious Life

by Phil Moser

This Courageous Young Woman’s Story Is
Testament That One Life Really Can Impact The World

One thing most of us can’t get enough of right now are inspiring stories that put all the stress, fear and worry of the current pandemic into perspective. How about a story of an incredible young woman who lived a life without limits and managed to enrich every life she touched – regardless of the fact she had a rare and incurable disease? Brittany Moser and her best friend, her dad, set out on the journey of a lifetime and their unforgettable adventure became the backdrop for Philip Moser’s book, Free and Fearless: The Amazing Impact of One Precious Life.

“This book is not about the grief of losing a child, but about making the most out of what we are given and living our lives positively and not out of fear,” writes author (and Brittany’s father) Philip Moser. “Brittany inspired me, an ordinary farm boy, to explore life, to climb mountains and to write a book.”

In 2015, Brittany was diagnosed with Addison’s disease, a rare condition that can lead to adrenal failure. She passed away in 2017.

The book is an honest, poignant account of Brittany’s legacy and the ripple effect that her outlook on life had on those around her. Among Brittany’s valuable life lessons that Philip shares with readers are:

1. How precious life is and how we can affect the people around us;
2. How an open mind and a positive attitude can inspire us to do things we never thought possible;
3. How to move out of our comfort zones and into a challenging existence that can turn each day into an exciting gift to be explored;
4. How to not let fear control us, and to use our abilities to seek unique, positive and inspiring adventures;
5. To embrace change as a natural part of life;
6. And finally, that we won’t be remembered by our things or our savings accounts, but by how we made other people feel.

“I want to share the same inspiration that I received for 32 years,” Philip added. “In the end, love truly does conquer all, and Brittany wanted us to know that.”

Author Philip Moser grew up on a farm in Angola, Indiana. After high school, he began working in different aspects of the grocery business, a career that continues to this day. He and his wife, Marilyn Wells, raised two incredible daughters, Camille and Brittany.

For more information, please visit www.freeandfearlessbook.com or connect with the author on social media at https://www.facebook.com/philip.moser.73?ref=bookmarks. 
A portion from the sale of each book will be donated to the National Adrenal Disease Foundation.

ISBN-10: 1733086404                                                                     ISBN-13: 978-1733086400

Available from Amazon.com, BarnesandNoble.com, BooksaMillion.com and other online retailers

Understanding Wills

Your Will: The Overlooked Bucket-list Item
Financial Expert Explains the Vital Importance of this
Document

Of the trendy terms to come around in the past decade, “bucket list” remains among the most useful, says retirement planning expert Jeff Gorton.

“As a neologism, I hope it endures because it reminds us of how precious our time is – and that it’s important to plan wisely,” says Gorton, a veteran Certified Public Accountant and Certified Financial Planner™, and head of Gorton Financial Group (www.gortonfinancialgroup.com).

“Unfortunately, after some have listed their items and even checked a few things off, they forget about one important item that really counts after they’ve ‘kicked the bucket’ – their will.”

Only about 40 percent of adults in America have a will, which is probably due to people not wanting to be reminded of their own mortality and that life will go on without them, he says.

“But what’s the alternative? If you die without one, the state decides what becomes of your property, without regard to your priorities,” says Gorton, who also advocates his clients make use of a written income plan (WIP), a living document that helps organize financial priorities. “Why not enjoy the fact that a will is an instrument of power? Youget to decide who gets what.”

Since so many adults don’t have a will, many don’t understand how they work. Gorton breaks down wills into four basic parts:

• Executors — Most wills begin by naming an executor, the person responsible for carrying out the wishes outlined in the will. Duties include assessing the value of the estate, gathering the assets, paying inheritance tax and other debts if necessary, and distributing assets among beneficiaries. It is recommended that you name at least two executors in case your first choice is unable to fulfill the obligation.

• Guardians — A will allows you to designate a guardian for your minor children. Whomever you appoint, you will want to make sure beforehand that the individual is able and willing to assume the responsibility. For many people, this is the most important part of a will since, if you die without naming a guardian, the court will decide who takes care of your children.

• Gifts — This section enables you to identify people or organizations to whom you wish to give gifts of money or specific possessions, such as family heirlooms or a car. You can also specify conditional gifts, such as a sum of money to a young daughter, but only when she reaches a certain age.

• Estate — Your estate encompasses everything you own, including real property, financial investments, cash and personal possessions. Once you have identified specific gifts you would like to distribute, you can apportion the rest of your estate
in equal shares among your heirs, or you can split it into percentages. For example, you may decide to give 45 percent each to two children and the remaining 10 percent to a sibling.

“You’re not legally required to have a professional write a will for you, but I highly recommend you get certified help because these documents are often contested by people who are unhappy with the decisions you made,” he says. “After working a lifetime for your assets, you deserve to have them go where you want after you’re gone, and your family will be grateful to you for not leaving them with the headache of trying to sort out your estate.”

About Jeff Gorton, CPA, CFP®

Jeff Gorton is a Certified Public Accountant and a Certified Financial Planner™ specializing in individual tax and retirement planning. He is also an Investment Advisor Representative under Alphastar Capital Management, an SEC Registered Investment Advisor, and has a life and health insurance license. Gorton works with individuals and their families to create and protect their financial legacies. He specializes in working with retirees in the areas of tax planning, benefits, retirement planning, estate planning and safe money techniques. He received his BBA in Accounting from the University of Oklahoma. Gorton previously worked for 10 years as the Chief Financial Officer for a large retail organization, overseeing their accounting, benefits and 401(k) retirement plans.