Improving your credit takes patient but the answer depends on what is in your credit file. Generally, you can improve your credit by paying your bills by the due date, paying off debt — especially on your credit cards — and not taking on new debt. Paying bills on time and having low balances can help you build a solid credit history. If you’re in debt and need help, a reputable credit repair company might be able to help.

Mensa Financial Solutions offers a wide range of services to our clients; including Wealth Planning Strategies, Estate Planning, life insurance, retirement planning, Tax Free Retirement, Education Funding, Mortgage Protection, Real Estate Consultancy, Credit Management, Debt Free Programs and Many more!

Estate planning is the process of arranging who will receive your assets when you die. One goal of estate planning is to make sure your wealth and other assets go to those you intend (and not to others), or through probate with a particular emphasis on minimizing taxes so that your beneficiaries can keep more of your wealth. But good estate planning also can reduce family strife, and provide clear end-of-life directives, should an individual become incapacitated before ultimately passing away.

Probate is the general administration of a deceased person's will or the estate of a deceased person without a will. An executor or administrator is commonly named in the will, if there is no will, the state steps in to nominate individuals to collect the deceased's assets to pay any remaining liabilities on their estate and distributing the assets to their beneficiaries. The probate begins hours after a deceased’s death.