Lupita Shestko-Montiel

As a Personal Financial Representative in Tucson, I know many local families. My knowledge and understanding of the people in this...

My background and Achievements

Shestko-Montiel Agency
648 N Stone Avenue
Tucson, AZ 85705

Hours, map & directions

P:: (520) 624-3309
F:: (520) 624-7064

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Planning Tools

Buying a car? Starting a family? Preparing for retirement? Place yourself one step closer to meeting your goals by discovering ways to plan and save with these financial calculators.

Auto
New or used? Lease or finance? Do the math and decide what makes sense for you.

• Which is better: a new or used vehicle?

• How much should depreciation cost me?

• Should I lease or purchase a vehicle?

• Should I finance or pay cash for a vehicle?

• How much will my vehicle payments be?

• Which vehicle loan is better?

• What term of vehicle loan should I choose?

• Should I use a home equity loan instead of an auto loan?

• Which is better: a rebate or special dealer financing?

• How long should I keep a vehicle?

• What vehicle can I afford?

Home Finance
Buying a home? How much will your mortgage payments be? Discover easy ways to get your foot in the door.

• How much can I borrow?

• How much will my mortgage payments be?

• How much will my adjustable rate payments be?

• Which is better: fixed or adjustable?

• Should I pay points to lower the rate?

• Which is better: 15- or 30-year loan term?

• How much should I put down for a new home?

• How much can I save in taxes?

• What will my closing costs be?

• Am I better off renting?

• Am I better off refinancing?

• What will my refinancing costs be?

• How can I reduce mortgage insurance costs?

• Which lender has the better loan?

• Which loan is better?

• How advantageous are extra payments?

• What can I afford?

Life Insurance
Secure your family's future. Estimate how much coverage you need with the calculators below.

• How much life insurance do I need?

• What is my return on a whole life policy?

• What is my return on a universal life policy?

• What is my return on a variable life policy?

• Which is better: term or whole life?

• Which is better: term or universal life?

• Which is better: term or variable life?

Credit Cards
Use your cards wisely. Calculate ways to pay off your balance now to save money in the future.

• How important is the interest rate?

• How will rate changes affect my balance?

• Is a lower rate worth the annual fee?

• What will it take to pay off my balance?

• Should I consolidate my debts?

• Which is better: flight card or low rate card?

• Which is better: rebate card or low rate card?

• Should I consolidate my credit cards?

Budgeting & Saving
Started saving yet? Discover how to prepare yourself for the expected and the unexpected.

• How much am I spending?

• Should I pay off debt or invest in savings?

• What will it take to pay off my balance?

• How much should I set aside for emergencies?

• How much will it cost to raise a child?

• What's it worth to reduce my spending?

• Should my spouse work too?

College
Planning ahead for a college education? Calculate a college savings plan that fits into your budget.

• What will it take to save for a college education?

• What is the value of a higher education?

• What investments can I use to save for college?

• What expenses do I face prior to attending college?

• Should I live on campus, off campus or at home?

• How should I budget for college living expenses?

• Is a meal plan a good deal?

Retirement Planning
Prepared for retirement? Determine how much to save now so you can retire comfortably later.

• How will retirement affect my expenses?

• Am I saving enough? What can I change?

• How will this account be used?

• What will I earn with this account?

• How advantageous is increasing my savings?

• Which savings or income source will be the largest?

• How much can I invest before taxes each year?

• What if I underestimate my expenses?

• What will my income be after I retire?

• What will my expenses be after I retire?

• What happens if tax laws change?

• How much of an effect can inflation have?

• Which savings should be used first?

• How much will Social Security provide after retirement?

• What if Social Security no longer exists?


Neither do stay-at-home parents, children, and couples without kids. Right? Debunk the myths and learn about the benefits of life insurance. Read the new Allstate article "Ten Myths about Life Insurance."

Planning Resources

Being prepared means being equipped with information you can use right away. Below are several resources that can help you prepare for many of life's decisions and events.

On the Road
Teen Driver
Buying a Safe Car

In Your Home
Before Lightning Strikes
Guarding Against Home Burglary
Water Damage
Flood Preparation Tips

In Your Financial Future
Traditional or Roth?
Consolidate Your IRAs
401(k) Lump Sum Distributions
Ten Myths about Life Insurance
How Does Your Life Insurance Compare?

In the Bank
Saving for Emergencies

For Your Business
Commercial Vehicle Safety
Emergency Preparedness at Work
Help Disaster-Proof Your Business

On the Water
Life Jackets and Boater Safety
Personal Watercraft Safety

Lupita Shestko-Montiel is licensed to sell Allstate insurance products only in the state(s) of Arizona. If you do not reside in the state(s) of Arizona or you’re not insuring property located in the state(s) of Arizona, please go to the Find an Agent section on allstate.com to search for another agent.

The material contained in this Web site is applicable only in the state of Arizona. This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers property and casualty insurance, life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, and mutual funds are available only through securities licensed representatives and sales material must be accompanied by a prospectus. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property & Casualty Insurance Company, and Allstate Fire & Casualty Insurance Company: Home Offices, Northbrook, IL. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL. Securities products, including variable annuities, variable life insurance, mutual funds and 529 plans, are offered by Allstate Personal Financial Representatives at FINRA registered branch offices of Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84^th Street, Lincoln, NE 68506. (877) 525-5727.