A Golden Opportunity to Roth Convert and Rebalance
- COVID-19 has created a massive tax opportunity we haven’t seen in decades!
- Engage in a candid 1-on-1 with the area’s foremost Roth Conversion Practitioner
- Discover the silver lining following Market Corrections
- Uncover Top Secrets that Wall Street doesn’t want you to know
How an Election and Politics Will Affect Your Retirement Plans
- What are the biggest risks to the financial markets due to election 2020?
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Is your retirement account ready for the outcome of the election?
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How a new administration could cause a major course change in your retirement?
- How to insulate your retirement planning from the 2020 election
Financial Planning in COVID Times
- Budgeting for change
- Retirement horizons
- TSP planning
- Benefit planning
- Exit strategies
How COVID-19 is Changing Estate Planning Forever
- Learn how the rules of the game have changed
- Uncover the new normal with planning your retirement
- Taxes now? Taxes later? Find out how to avoid tax pitfalls
- Reduce your chances of running out of money with this one powerful tool
Investing 101 Post COVID-19
- Why we may want to reconsider our investments due to COVID-19
- How to maximize your returns while minimizing risk
- Planning for your goals and getting out of debt before you retire
- Keeping more of your money in your own pocket by reducing taxes and fees
Is Your Social Security at Risk from COVID-19?
- Find out the answer to the BIG question: Is Social Security at risk from the Coronavirus?
- Engage in a candid 1-on-1 with one of the industry’s foremost Social Security experts
- Learn how to maximize your Social Security benefits
- Uncover the three most common mistakes when filing Social Security that could cost you tens of thousands!
Protect Your Estate From COVID-19
- Where are these two trillion dollars coming from anyway?
- Learn the historical effect of taxes and inflation on retirement
- Discover how to protect your estate from running out of money in retirement
- Find out how to avoid the unintended consequences of poor planning
Retirement Planning in the Aftermath of a Pandemic
- Keep your retirement accounts safe from a pandemic
- Uncover key strategies to tax shelter your retirement from the government
- Learn how to plan for taxes and inflation increasing after multi-trillion dollar government bailouts
- Consider changing your mindset on Social Security and estate planning strategies in an unknown future
Retirement Planning for Federal Employees in the Aftermath of a Pandemic
- What retirement changes to expect and what to do next
- Key tax sheltering strategies and how to develop plan for the post-COVID-19 market changes.
- MRA calculations, TSP income options, maximum pension, Social Security, and insurance
10 Steps to Financial Freedom
- Find your “money view”
- How to create a budget
- How to get out of debt
- Creating an abundance mentality
- Saving & investing
Advanced Social Security Planning
- How cost-of-living adjustments affect your Social Security
- Breakeven analysis: should you collect at age 62, 66, or 70?
- How to collect IRAs & let your Social Security grow 8% per year
- Delayed retirement credits: guaranteed 8% for 4 or 8 years
- Lack of exit strategy
Breaking Down the SECURE Act
- Understanding the basics of the SECURE Act
- How to use the SECURE Act to your utmost advantage
- What does this mean for stretch IRAs and small businesses?
- Learn the pros and cons and how they affect you
Budgeting, Relationships, and Life Events
- Creating financial wellness
- Financial wellness growth opportunities
- 4 crucial financial issues to discuss in relationships
- Life events that change financial plans and how to handle them
Charitable Trust & Tax Planning Best Kept Secrets
- An introductory course for charitable trusts
- Learn key differences between tax avoidance vs tax deferral
- Uncover the secrets to tax harvesting
- Understand three pivotal ways to do a Roth conversion
College Planning 101
- The M.Y.T.H. about financial aid
- Sources of money
- Need-based vs. non need-based
- College funding vs. financial planning
- Advice
- The reward
Estate Planning
- Dealing with death & estate taxes
- Wills & trusts
- Probate & your estate
- Choosing an executor
- Lifetime giving exclusion
- Unlimited marital deduction
- Tax-free inheritance
Federal Benefits 101
- Why & what federal employees need to plan for
- Basic options for insurance
- How to calculate my pension
- Retirement eligibility guidelines
- Common mistakes made in the TSP
Federal Benefits Best Kept Secrets
- ChFEBC advisor
- What tax bracket will I be in at retirement?
- What makes us so special?
- The rules of the game
- Exit strategies
- Free insurance
- TSP, catch-up, & loans
Federal Insurance Programs Unraveled
- OASDI
- Medicare
- FEHBP
- Medicaid
- FLTCIP
- FEGLI
- Social Security supplement
Federal Leave & Earnings Statements
- How to interpret your statement line by line
- Selecting the proper options for benefits
- Managing your tax witholdings
- Where does all my money go?
- Hidden opportunities within your paycheck
- Disability & social security
Financial Fitness
- Cash flow management
- Basics of tax planning
- Creating a financial road map
- Introduction to estate planning
- Overcoming obstacles to creating wealth
- Maximum savings & investment plans
Financial Pitfalls
- Lack of plan or inadequate plan
- Improper debt management
- Lack of estate plan
- Lack of tax planning strategy
- Buying advice over the internet
- Lack of exit strategy
Financial Planning in Uncertain Times
- Budgeting for change
- Retirement horizons
- TSP planning
- Benefit planning
- Exit strategies
Financial Protection After a Security Breach
- Warning signs that your identity has been stolen
- What to do if it happens to you
- Protecting your identity
- The difference between credit freeze & fraud alert
Financial Transitions
- Reasons for career/job transitions
- Placement resources
- Can I, or when can I, retire?
- Lining up your benefits/insurance options
- Choosing new benefits (weighing the options)
- Rolling over your 401k -vs- leaving it at your old employer
- Taking control & ownership of your finances
- Understanding your retirement plans & what they are worth
Holiday Spending
- Setting expectations
- Budgeting
- Building a naughty or nice list
- Hidden holiday costs
- Best practices when spending
Improving Your Credit
- Why is credit so important anyway?
- Understanding your FICO
- Credit restoration
- Debt rebalancing
- Key steps to rebuilding your credit
- Repairing credit after bankruptcy
Introduction to Real Estate
- Understanding mortgage options
- Location, location, location
- Real estate as an investment
- VA/FHA programs
- Tax benefits
- First-time home buying
IRA, TSP, & 401(k) Rollovers
- Consolidating assets
- IRS section 525
- Accessing your retirement accounts for current needs
- Saving & Avoiding taxes
- Leaving IRA’s behind
- Stretch IRA’s
Maximizing Your Financial Plan
- Macro manager
- Financial Planner
- Common financial myths
- The rules of the game are changing
- Exit Strategies
- Where do we go from here?
Medicare Basics
- Medicare Part A
- Different plans/supplements that are available
- Individual part coverage
- How to navigate Medicare Part D
- Financial responsibility under Medicare
Mitigating the Cost of Long-Term Care
- LTC by the numbers
- Federal LTC program
- Activities of daily living
- Qualifying for low/no-cost coverage
- LTC insurance alternatives
- Medicaid planning
- LTC during retirement
Mortgage & Real Estate Opportunities
- Managing investment properties
- Leverage in real estate
- Buying opportunity in a down market
- Buying vacation and retirement homes
- REOs, foreclosures, and short sales
- Real estate inside your IRA
Planned Giving
- One-time gifts vs ongoing gifts
- Tax ramifications to families & estates
- Using charitable trusts or charitable strategies for planned giving
- Leaving a planned giving legacy
- Benefits to you & your family
Pre-Retirement Planning for Federal Employees
- States that don’t tax federal pensions
- Jumpstart survivor benefits
- How to calculate FERS/CSRS pension benefits
- ROTH & catch-up TSP
- Health insurance for spouse & family
- Social Security windfall elimination, supplement, & integration
Public Service Loan Forgiveness Program
- How to qualify for the PSLF Program
- How to apply
- What is qualifying employment?
- The types of Federal loans that qualify for PSLF
Retirement Planning
- How not to outlive your money
- Running the retirement marathon
- How taxes and inflation impact retirement
- Exit strategies
- RMDs
- Stretch IRAs
- Long-term care considerations
Retirement Planning for Federal Employees
- Where & when to retire
- MRA calculations
- TSP income options
- Pension maximum
- When to draw Social Security
- Health insurance vs. Medicare
- Federal Long-Term Care Insurance
Social Security 101
- Understanding the basics of Social Security
- How to optimize your benefits
- Advantages of applying after full retirement age
- How are your benefits calculated?
- How cost-of-living adjustments affect your Social Security
Stock Market Crashes for Dummies
- Understanding market corrections
- What triggers a market correction?
- What to do during market volatility
- Consult with a professional
- Find the silver lining
- Stock market math
Strategic Allocation
- Planning your wealth for interest rate fluctuation, inflation, market volatility, & taxes
- Using strategic allocations to meet your financial goals
- Tax-Free, lifetime stream of income
- COLA income
Taxes & The IRS
- Where do our taxes go?
- Do I need a tax advisor?
- Tax avoidance
- Tax-free savings
- Tax-deferral vs. tax-deductibe vs. tax-free
- Why you shouldn’t wait to get your refund
Understanding Your TSP
- Eligibility & limits
- Allocation options
- Roth vs. traditional
- When rollovers & loans make sense
- Retirement distributions