Asset Allocation & Modern Portfolio Theory

•  Planning your investments against interest rate, inflation, and market risks.

•  Planning that you don't outlive your money.

•  Utilizing Asset Allocation to plan to meet your       short, mid, and long term goals.

•  Putting the financial pieces in place.

Financial Blunders – Lessons We Never Learn

• How to avoid losing up to 40% of your retirement plan on the day you walk away.

• How naive we are in understanding the market…great opportunities, great risks.

• How to "preserve" and "protect" our assets against a plunging market.

• The bank: is it the place to "save" money?

Getting Fiscally Fit

•  Basic principles of cash management.

•  Roadblocks to financial success.

•  Accumulating wealth.

•  The importance of having a financial blueprint.

•  Locating & maximizing discretionary income.

Investing Basics for Women

•  Know yourself - identifying your characteristics.

•  Some of the risks and returns of investing.

•  Budgeting and debt management.

•  The different types of investments.

•  Planning for your retirement.

Is a Roth IRA Right for You?

•  How to reduce your Social Security income included as taxable income.

•  How to provide heirs with a lifetime of income tax-free distribution.

•  Strategies to help reduce the impact of the conversion tax.

•  How to reduce your future income taxes.

Life Insurance and You

•  Life Insurance 101.

•  Who needs Life Insurance?

•  What are the types of Life Insurance?

•  How can Life Insurance be used?

•  How do I file a claim?

• Maximizing the Right M

Preparing for Long Term Care

•  Who pays for Extended Care?

•  What is Extended Care?

•  Who may need Extended Care or Long Term Care insurance?

•  What about Medicaid or Medicare?

Refinancing Your Mortgage 101

•  Finding the right loan for you.

•  Debt consolidation loan.

•  Mortgage myths.

•  Key questions.

Roth IRA - America's Next New Tax Break

•  Avenue to shield Social Security income from taxation.

•  Protect retirement and beneficiary assets from RMD's.

•  Create tax risk diversifications in retirement.

•  Advanced tax and estate management.

Strategies for a Sustainable Income in Retirement

•  Establish retirement goals.

•  Estimating retirement income.

•  Tax advantaged savings vehicles.

•  Investment considerations.

College Planning

•  How to address the high cost of college.

•  Developing a college investment plan.

•  The new Educational IRA.

•  Maximizing financial aid.

•  Investment alternatives.

Exploring Your Options for a Quality Retirement

• Looking at your options at distribution time from a  company retirement plan.

• Understand the impact of erosion through inflation & taxation.

• Proper steps in reviewing 401K performance.

• Why plan design is critical.

First Time Home Buyers - Issues of Real Estate

•  First time buyers money saving secrets.

•  8 tips every buyer must know.

•  6 deadly sins to avoid when buying a home.

•  Finding the right loan for you.

•  Keys in financing your home.

•  The power of interest only.

Getting Your Financial House in Order

•  What is "debt roll down" and how it works for the average consumer buried in debt.

•  Different financial tactics to pay down or pay off your home mortgage early.

•  How to use your tax refund to possibly eliminate debt.

•  The pros and cons of the bi-weekly mortgage.

I.D. Theft

•  How do they get my personal information?

•  What to do if you're the victim?

•  What do they do with it?

•  Steps to prevent fraud.

•  Warning signs.

Legal Lessons for Life

•  The best way to hold title to the home and protect it from creditors.

•  Uniform Gift to Minors Act - does it help or hurt your children?

•  Select the guardians for your children.

•  Use a living trust to eliminate probate delays, costs and legal fees.

•  Minimize your estate tax exemptions.

Maximizing the Right Mortgage Strategies in Today's Market

•  Purchasing your first or second home.

•  100% financing - yes it can still be done.

•  Refinancing, is it still a good idea?

•  Refinancing, is it still a good idea?

•  Foreclosures, what to look for.

Real Money - Real Estate

• Market smart investments every seller should know.

• Tips and basic strategies for buying rental properties.

• How to avoid the 10 biggest selling mistakes.

• How to sell a home in today's market.

Reverse Mortgages

•  Get the truth and facts about how a Reverse Mortgage can improve your life.

•  Can I leave my house to my children and still have a Reverse Mortgage?

•  Does the bank take away from your house?

•  What can you use the money for?

Social Security Explained

•  Type of benefits are you eligible to receive.

•  Difference between full retirement age and delayed retirement.

•  Filing for benefits.

•  Retirement planning strategies.

•  Annuity type distinction.