Dali's Financial Services

12/07/2025

‼️IMPORTANT FOR ALL WHO HAVE GREEN CARDS ‼️

Big changes are expecting to come in February and they could make Green Card approvals much harder. DHS is expanding the public charge rule and immigration officers will now have more power to deny cases based on financial history.

This includes situations where:

• A petitioner once received Medicaid and/or Food Stamps
• A child in the household if he/she ever received government benefits
• Someone in the home collects public assistance even if it is not the applicant or the beneficiary.

These factors may now be used against applicants and could lead to denials.

If you are planning to file for adjustment of status or sponsor a family member, consider filing quickly before the rules take effect. Immigration is becoming more complex and many cases may be denied if not handled correctly.

Stay informed and seek qualified guidance if you need help.

12/07/2025

12/05/2025

Promises are built on taking action. For more than 20 years, WFG insurance professionals have been acting on our promise to help protect families’ financial independence. See our story in action.

Learn more: https://bit.ly/4nHUnV2

12/04/2025

Let's sit down and discuss Traditional vs. Roth IRA before I help you open up or contribute to one!

Here is Core Differences:
There are 2️⃣ main types of IRAs, Traditional and Roth, and their significant difference lies in the advantages of IRA TAXES❗️

➡️Traditional
Traditional IRA investment will allow you to fund your retirement account PRE-TAX 💰. That means your contributions to the account will be tax-free. So your account balance can grow tax-deferred UNTIL you withdraw in retirement. However, upon withdrawal, YOU’LL PAY taxes at ordinary income rates, and ⚠️after 73 years, you’ll HAVE TO TAKE the required minimum distributions yearly. Tax deductibility depends on your income and if there is a 401k.

➡️Roth
In this case, you will save for retirement with POST-TAX💰, so there will be NO tax break ON CONTRIBUTIONS. However, you can GROW YOUR MONEY TAX-FREE and WITHDRAW TAX-FREE IN RETIREMENT. Plus,⚠️ unlike the traditional option, you DON'T have to take minimum withdrawals and can PASS the MONEY TO YOUR to your HEIRS TAX-FREE ❗️ The Roth has income limitations, so the more you make, the less you can access.

Hajde da sjednemo i razgovaramo o Tradicionalnom vs. Roth IRA prije nego što vam pomognem da otvorite ili dodate jos u vas IRA!

Evo ključnih razlika:
Postoje dva glavna tipa IRA, Tradicionalni i Roth, a njihova značajna razlika leži u prednostima IRA POREZA❗️

➡️Tradicionalni
Tradicionalno IRA ulaganje omogućit će ti da finansirate svoj račun za penziju PRE-TAX 💰. To znači da će vas doprinosi na račun biti oslobođeni poreza. Tako će tvoj saldo računa rasti bez poreza DO trenutka povlačenja u penziji. Međutim, prilikom povlačenja, PLATIT ĆEŠ porez po običnim stopama dohotka, a nakon 73. godine, MORATI ĆEŠ UZETI obavezne minimalne isplate godišnje. Odbitak poreza zavisi od tvoje zarade i da li imaš 401k.

➡️Roth
U ovom slučaju, štedjet ćeš za penziju sa POST-TAX 💰, tako da neće biti poreznih olakšica NA DOPRINOSIMA. Međutim, možeš RASTI SVOJ NOVAC BEZ POREZA i POVUĆI BEZ POREZA U PENZIJI. Plus, za razliku od tradicionalne opcije, NE moraš uzimati minimalne isplate i možeš PREBACITI NOVAC NA SVOJE NASLEDNIKE BEZ POREZA ❗️ Roth ima ograničenja prihoda, tako da što više zarađuješ, to manje možeš pristupiti.

Dali Josipovic
Cell 678-776-1395
Office 678-221-7953

12/03/2025

¡Hola!
El próximo sábado tendremos una presentación especial en español, y he invitado a una conferencista increíble solo para ustedes. Ella estará en la ciudad de viernes a martes, así que es una gran oportunidad para conectar.

Por favor avísame si vas a venir enviándome un mensaje de texto.
Si el sábado a las 4:00 PM no te funciona, dime — podemos coordinar una reunión rápida 1-a-1 mientras ella esté aquí.

💙 Estoy verdaderamente dedicada a empoderar a nuestra comunidad latina.
Espero que puedas acompañarnos — y mejor aún, invita a alguien cuya vida pueda ser transformada con este mensaje. Tu apoyo significa mucho para mí.

📞 Dali Josipovic — (678) 776-1395

11/22/2025

11/18/2025

⭐ DIME Method: How to Calculate Life Insurance Needs

(Debt • Income • Mortgage • Education)

The DIME Method is one of the simplest and most effective ways to determine how much life insurance a family truly needs. It helps ensure that, if something happens, your loved ones will be financially protected and able to maintain their lifestyle.

⚠️D — Debt

Include any debts that would need to be paid off immediately so your family is not burdened.
Examples:

✅️Credit cards

✅️Personal loans

✅️Car loans

✅️Student loans

✅️Medical bills

✅️Taxes owed

Formula:
👉 Add up all outstanding debts (except your mortgage — that comes later).

⚠️I — Income (Income Replacement)

The goal is to replace your income for a certain number of years so your family can continue living comfortably.
Most families choose 10 years of income replacement, but it can be adjusted based on age, job stability, and children’s ages.

Formula:
👉 Annual Income × Number of Years Your Family Will Need Support

Example:
If you make $60,000 and want to replace income for 10 years:
➡️ $60,000 × 10 = $600,000

⚠️M — Mortgage

Protect your home by ensuring your mortgage can be fully paid off.

Formula:
👉 Remaining balance on your mortgage.

Example:
If you still owe $250,000 on the home, include the full $250,000.

⚠️E — Education (Children’s College Costs)

Estimate how much you want to set aside for your children’s education.

Average cost per child varies, but a good planning guideline is:

Public college: $80,000–$120,000 total

Private college: $150,000–$250,000 total

Formula:
👉 Average cost per child × Number of children.

‼️‼️⭐ Why the DIME Method Works

✔ Simple
✔ Clear and easy for clients to understand
✔ Covers ALL major financial responsibilities
✔ Prevents families from being underinsured
✔ Helps clients identify realistic coverage needs

Dali Josipovic
678-776-1395/678-221-7953