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Debt and Budget Coaching by Balance®

While there are hundreds of “debt counseling” organizations across the country, we have agreed to quality standards that include accreditation, certification of counselors, audits and core policies that ensure quality service. We offer a Debt Management Plan, and are committed to providing comprehensive money management education and counseling.

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Credit Report Review by Balance®

Our counseling services range from money management to housing to debt management and everything in between. Our counselors are certified credit report reviewers and know their stuff. They are your financial gurus, here to give you the right guidance and support, whatever your financial situation.

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Student Loan Coaching by Balance®

Borrowing to pay for college is the easy part. Repaying the debt is much harder. To know which options are best for you, your career prospects and your budget, it helps to have access to an expert who can guide you through the complexity of the various programs, explain your options under each, and take into account the context of your financial circumstances. We speak the language of student loan financing fluently, and are ready to work with you in a one-on-one student loan counseling session.

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Homeownership Coaching by Balance®

Housing can be an overwhelming subject to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. Our counselors are readily available to help you make sense of it all.

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Financial Advisors

Financial Services Professional

Protecting what you’ve worked hard to accumulate and save should be a top priority for you and your family. Kaiperm is working with Tony Delumen, a financial planner with MassMutual Northern California, to assist our members in protecting their assets and savings and understand the laws in place designed to shield your assets in the case of a civil lawsuit, divorce, or bankruptcy.

Mr. Delumen’s experience with asset protection benefits all of our members, regardless of your income level or the amount you have saved in one of our accounts. If you have concerns regarding your assets and the measures you can take to protect them, he is here to answer your questions and offer guidance to ensure the security of what you have accrued.

Tony Delumen, CLTC

Tony Delumen, CLTC

Financial Services Professional
MassMutual Northern California
CA Insurance License # 0D47382

Book Appointment with Tony Delumen





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    Not a bank or credit union deposit obligation. Not FDIC or NCUA insured. Not insured by any federal government agency. Not guaranteed by any bank or credit union. May go down in value.

    Tony Delumen is licensed in the following states: Al, AZ, CA, FL, GA, HI, IA, IL, IN, MA, MI, MT, NC, NE, NM, NV, OH, OR, PA, TN, TX, VA, WA, WI, WV. CA Insurance License # 0D47382

    Tony Delumen is registered to offer securities in the following states: AL, AZ, CA, CO, FL, GA, HI, IA, IL, MA, MN, MT, NC, NE, NH, NM, NV, OH, OR, PA, RI, TX, UT, VA, VT, WA, WI, WV

    State of Domicile: CA

    Products and services offered through Kaiperm Financial Group or MML Investors Services. Tony Delumen is a qualified registered representative of and offers securities, investment and financial advisory services, through MML Investors Services, LLC, Member of SIPC (www.sipc.org). Supervisory office: 3003 Oak Road, Suite 250 Walnut Creek, CA 94597. 925-979-2300. Kaiperm Federal Credit Union and Kaiperm Financial Group are not subsidiaries or affiliates of MML Investors Services, LLC or its affiliated companies. CRN#202211- 273791

    Wills and Trust

    Will or Trust? Which One Could Save Your Family $50,000 or More?

    Every week we’re asked the exact same question; “Why do I need to spend money for a Living Trust, when we can simply create a Will?”   It’s a great question, but the answer may shock you – “A Will by definition, is simply instructions to the Probate Court Judge!”  If we’re trying to avoid all of the problems associated with our family going through the Probate Courts, then a traditional “Will”, alone, is utterly insufficient!  As a matter of fact, it puts our family directly into Probate Court!

    Probate is an ugly court proceeding.  Children and other family members often battle it out in court, where a judge will ultimately decide who gets what, whether you like it or not! Probate also takes a serious amount of time.  It can take your family three to five years to get through. It’s a Public Forum, literally inviting false creditors, and whoever might want to make a claim against your assets, to do so, prior to your children or other loved ones receiving their inheritance.  Say you had plumbing work done on your home prior to your passing away.  That contractor can present a “false invoice” in your probate, claiming the $6,000 you paid was only a portion of the final invoice.  So, how does the probate court judge know if the invoice is valid or false?  They don’t know!  The judge must assign a “special investigator” to review every claim made, which can add 12 to 24 months to probate, as well as a significant additional cost for the investigation of each and every claim!  Probate Court can also be very expensive, with the average cost in California ranging between $40,000 and $70,000, or 8 to 10 percent of your “gross” assets, not your net worth, taken from your estate, prior to your loved ones receiving their inheritance!

    Many parents have told us that one of their biggest fears is who will raise their children, if they pass away early.  Interestingly, one area a Living Trust does not protect your family is with naming a “Guardian for Minor Children”.  That is done only in a Will, not a Trust.

     

    CRAIG NELSON

    Craig Nelson

    Founder, President at Living Trust Educators

    CRAIG NELSON

    Samra Nelson

    Vice President at Living Trust Educators

    Book Appointment with Craig and Samara





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      CU PLAN, with “Living Trust Educators”, is a Legal Document Assistance Corporation, working in partnership with expert “Trust Attorneys” with 100’s of years of combined experience.  We’re Bonded, Registered, and Certified to prepare Legal Documents throughout the State. LDA #287-O.C. CU PLAN also teaches extremely important inheritance planning strategies to pass wealth to your family, while reducing the tax exposure they face when you’re gone!