Host: Arif Halaby
Co-Hosts: Mark Murphy and Jeff Girard
Hour #1- Money as a tool
Total Financial Solutions Safer Money Hour , with host Arif Halaby , President & CEO of Total Financial Solutions airs every Tuesday from Noon to 2pm  on Santa Clarita’s Hometown Station, KHTS AM-1220. 
Total Financial Solutions Safer Money Hour With Arif Halaby - June 25, 2013
Arif began the show touching on the concept of money. The concept of money is rather simple, but as a society - can easily be overcomplicated. The bottom line is that money doesn’t love you, or hate you - money is a tool, and using it correctly is skill people must learn in order to pass their their wealth on correctly, and as tax-free as possible. Mark Murphy mentions next, that there are so many different kinds of trusts. A living trust is a simple document, and the hardest part about it, is defining who will be taking care of the minor children (which only parents know how intense that process can be) and who is going to receive the money that funds that process. Getting a head start on trusts will only save you from headaches down the road. For example, only having a will will not suffice, especially when you have multiple children. The last thing an estate holder wants, is for their heirs to fight over what little is left. The gang next spoke about how to prepare for your loved ones in hard times of debt, and knowing that sometimes death can strike a family and shatter major plans for the future.
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