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

Estate Planning

• Distribution of Estate, Wills and Trusts

• Specific Estate Planning Strategies

• The Purpose of Estate Planning

• What is Probate and why should you avoid it

Budgeting

• The Budgeting Process

• Proper Goal Setting

• Prioritizing Short Term, Intermediate and Long-Term Goals

• Why is Building an Emergency Fund so important

Exploring Your Options for a Quality Retirement

• Looking at Financial Personalities

• The High Cost of Debt and Dealing with it

• Things to consider when planning for Retirement

• Why creating income streams is so important

College Planning

• Planning of time before college begins

• Where will the money come from to pay for college?

• The difference between Financial Aid, Grants and Loans

• College Saving Plans Benefits and Limitations

Getting Fiscally Fit

• Overcoming and Understanding our Financial Challenges

• Why creating an Emergency Fund is so Important?

• Understanding the High Cost of Credit

• Gaining Control Through Budgeting

First Time Home Buyers

• Understanding the process for buying a new Home

• First Time Home Buyers Money Saving Secrets

• What to avoid when buying a Home

• Understanding different Mortgage Types

Social Security Explained

• What is Social Security?

• Who is Eligible and at what age?

• What is a Defined Benefit Plan and who contributes?

• What are the different types of Annuities?

Financial Blunders – That Self Defeat US

• The Financial Mistakes commonly made with our Money

• Why Saving Money is so important

• Credit Cards – Why not to use them

• Why you should want to plan for a healthy financial future

Investing Basics for Women

• Why Women Make for Better Investors

• Different Types of Investments

• Understanding Risk & Return

• Planning for Retirement

Getting Your Financial House in Order

• Using Sound Financial Principles

• Different Types of Mortgages to Consider when buying a Home

• Saving Through Bi-Weekly Mortgage Payments

• How to Manage the Equity You Build in Your Home

Investment Concerns in a Fragile Market

• Reviewing Common Repetitive Investor Scenarios

• Key Ingredients to Investing

• A Few Facts to know when you are Investing

• Things to know when the Stock Market is in a Decline

Issues of Aging Parents

• Understanding the Issues of Aging Parents

• What is Long Term Care?

• Have you done your Estate Planning?

• The Importance of having your Affairs in Order

Taking Control of Your Cash – Eliminating Debt

• The Importance of Making Informed Financial Decisions

• Understanding Your Wants vs. Your Needs

• How to Take Control of your Financial Circumstances

• Developing a Plan and Building an Emergency Fund

How to Increase Your Health and Wellness

• Health Care Trends

• Common Health Scares

• The Definition of Wellness

• Causes of Preventable Death in the US

Strategies for a Sustainable Income in Retirement

• Preparation for a Successful Retirement

• The Average Cost of Long Term Care and Life Expectancy

• Discussing Investment, Risks and Interest Rates

• Should you Consider a “Bucket” Approach?

Legal Lessons for Life

• Making Legal Plans for Yourself

• What is a Conservatorship?

• The Importance of Planning for Your Family’s Future

• What is the Living Trust Concept?

Refinancing Your Mortgage 101

• Refinancing Flow Chart Example

• Why Should you Refinance?

• What is the Right Loan for you?

• Understanding Mortgage Myths

Tax Planning

• The Importance of Tax Planning and Preparation

• Understanding Deductions and Exemptions

• What are some Tax Planning Considerations?

• Common Tax Filing Errors

You and Your Credit Score

• What is a Credit Score and Why Does It Matter?

• Scoring Factors

• What is in Your Credit Report?

• 5 Steps to Improve Your Credit Score

Understanding 401k Rollovers

• Where Will Your Money Come From?

• How Much Money Will You Need?

• Taking The Money – Pro’s and Con’s

• The Benefits of Asset Allocation

Understanding Life Insurance and You

• What is Life Insurance?

• How Much Life Insurance Do You Need?

• Basic Types of Life Insurance

• Things You Should Know

Women Approaching Retirement and Beyond

• Understanding Women and Money

• Understanding Divorce and Widowhood

• Understanding Retirement and Estate Planning

• Understanding Risk Management

Preparing for Long Term Care

• What is Long Term Care, and Will You Need It?

• Understanding Your Options

• How Much Will It Cost?

• What Will Medicare Cover?

Roth IRA… Another Tax Break for Americans

• The Difference between a Traditional IRA and a Roth IRA

• How Much Will It Cost

• Converting to a Roth IRA: Retirement Income

• Reasons to Consider a Roth IRA

I.D. Theft

• How Does Identity Theft Affect You?

• How Do They Get Personal Information?

• Steps to Prevent Fraud

• What To Do if You Are A Victim

Union Members… Securing Your Financial Peace of Mind

• 6 Essential to Constructing a Financial Blueprint

• Understanding a Budget

• Understanding Retirement

• Understanding Investing

Maximizing Mortgage Strategies

• What is a Short Sale?

• The Home Buying Flow Chart

• Why Should You Refinance

• Different Kinds of Loans

Preparing for Retirement After the Corona Virus

• Important Questions to Consider After the Corona Virus

• Retirement Income – The Sources

• Factors Affecting Portfolio Results Before and After Retirement

• Impacts to Panning for the Future

Stress and Your Health

• What is Stress?

• Overview of some Stress Statistics

• Financial Stress and How to Overcome it

• What you can do to Manage your Stress

Real Money – Real Estate

• Issues of Real Estate

• Money Saving Secrets

• 8 Tips Every Buyer Should Know

• 6 Deadly Sins To Avoid When Buying a Home

The U.S. Housing Crisis

• What To Do If You Are Upside Down On Your Loan

• Home Retention Options

• Short Sale Information

• Home Selling Flow Chart

Understanding Critical Disability Issues

• What Are Your Chances of Being Disabled?

• Determining The Need for Coverage

• Where Can You Find Financial Protection?

• Ways to Get Coverage