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

• 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

• 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?

• Health Care Trends

• Common Health Scares

• The Definition of Wellness

• Causes of Preventable Death in the US

• Refinancing Flow Chart Example

• Why Should you Refinance?

• What is the Right Loan for you?

• Understanding Mortgage Myths

• Making Legal Plans for Yourself

• What is a Conservatorship?

• The Importance of Planning for Your Family’s Future

• What is the Living Trust Concept?

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

I.D. Theft

Union Members… Securing Your Financial Peace of Mind

Maximizing Mortgage Strategies

Preparing for Retirement After the Corona Virus

Stress and Your Health