List of Classes
Classes are 1 hour in
length unless noted
otherwise below. See
following pages for
descriptions of each
class.
Classes are available as In-person Lectures or Online Webinars. Introductory Classes - Laying the Foundation
FW101: Financial Wellness Foundation
FW102: Budgets, Debt, Insurance and Long Term Care FW103: Investing and Retirement Planning
FW104: Taxes and Estate Planning FW105: Debt Free For Life (webinar only) Condensed Version
FW101C: Financial Wellness 101 FW102C: Financial Wellness 102
Retirement, Taxes and Estate Planning
Each topic consists of a 100 and 200 level class. FW106 & FW206: Retire with Confidence
FW107 & FW207: Taxes: Dancing with Uncle Sam FW108 & FW208: Intro and Advanced Estate Planning
Intermediate Classes – Topic Specific
FW109: Preparing for Life's Transitions (90-120 minutes)
FW203: Insurance; What If….. FW204: Maximize Your Investments
Class Levels
There are no
pre-requisites for each
class. Classes may be
taken in any order.
100: Introductory & Condensed Classes
Introductory classes provide a top-level review of key topics encountered over a financial lifetime. The goal of these classes is to lay a foundation, or universal
framework, of basic financial concepts upon which further education may be built.
Condensed classes are a shortened version designed to help students determine which topics they would like to learn more about. These classes function as a survey of key financial topics and do not go into depth in any one financial discipline. These are typically used in
organizations who prefer a shorter set of introductory classes.
200: Intermediate Classes
Intermediate classes are topic-specific and provide more depth within a variety of financial disciplines. The goal of these classes is to build upon the foundation and enable students to gain a deeper understanding within each key area.
Financial Wellness: List of Classes
Complementary
Private Counseling
Turning education
into action!
Available in-person or
remotely via our online
counseling system.
Description:What is Financial Wellness? Are you financially healthy? How were your thoughts and behaviors developed regarding personal finances? A person’s readiness level plays a role in their ability to establish healthy financial behaviors. Assess your readiness level and behavioral thinking. Then learn how to set SMART financial goals.
The elements of budgeting, emergency cash, and debt
reduction are key to a solid foundation. Learn how to establish these to fit your goals. Determine what insurance you need and how much. Long Term Care options are defined.
An introduction to the basics of investing, investing to a goal, types of investments (stocks, bonds etc.) and indexes are discussed. We then review retirement goals, simplistic estimates of how much you need and have, life phases and types of retirement income.
Learn the basic concepts, importance and impacts of strategic tax approaches and proper estate planning. The process of conducting a personal Beneficiary and Registration audit is also included.
FW101 – FW104:
Financial Wellness
Foundation
Available in 2, 3 or 4
sessions based on
organizational needs.
Description:A private, complimentary counseling session with the instructor is included as a part of each class. This is a great opportunity for students to hone in on the aspects of the class they found most interesting, while also addressing issues they may not feel comfortable airing in a group setting. We encourage students to include their spouse or significant other in the counseling session.
Counseling sessions are available in person or remotely via our online counseling systems. No special computer
applications are necessary to participate in the online counseling program.
Example Financial Wellness Counseling Topics: • Setting financial goals
• Establishing a budget and emergency cash needs • Developing a debt elimination plan
• Protecting your assets with insurance strategies • Maximizing your investments
• Preventing unnecessary tax impacts • Planning for retirement and estate planning • Preparing for a major transition
Financial Wellness: Class Descriptions
Retire with
Confidence Classes
What you do today
impacts tomorrow!
Every day is important. Having the power to choose our lifestyle each day is important as well. For some, money may be in short supply. But for all of us, eventually time will be in short supply. If we plan today, we can create a tomorrow full of choices and take control of both our time and money. What does retirement mean to you? Having more choices and living a balanced lifestyle? What if it also included having the time to work toward
meaningful endeavors we believe in instead of just working for a living?
FW106: Retire with Confidence, Level I
It all starts by understanding your retirement goals and identifying retirement monthly income needs. Determine your retirement goals, income needs, sources of income such as Social Security, Medicare, employer retirement plans and your personal investment portfolio. Learn a few potential pitfalls of not being prepared.
FW206: Retire with Confidence, Level II
Learn about key retirement ages, types of income, asset risks, stretch IRA's, impacts of retirement blind spots and how to prevent them. Examples of investment gain timing, taxable versus deferred taxes and utilization of cash value life insurance policies will be discussed. Retirement "gotcha's" such as RMD will also be reviewed.
Estate Planning
Classes
Being educated,
not intimidated.
Are you caring for an aging parent? Are you married or in a relationship? If so, chances are that one day you’ll be an
Executor of an estate. The vast majority of family members who agree to this role do not understand what it means. And how does one even begin to have “the talk” with an aging parent? These are difficult and sensitive subjects but are not impossible to learn. Family members, including the aging parent or relative, are encouraged to attend. This can be a positive first step in opening the estate planning dialogue with your family.
FW108: Introduction to Estate Planning; Laying the Foundation
Learn how to build a plan to protect what is important to you and your family. Class includes the basic legal jargon of estate planning, the key players who participate in the process, estate planning concepts, and keys to a good estate plan.
FW208: Advanced Estate Planning; Executor Boot Camp
Learn how an estate gets settled and the responsibilities of an executor or personal representative. Understand how to begin the dialogue regarding preparing a loved one's estate and documentation such as the will, health directives, family legacy, and personal instructions.
Financial Wellness: Class Descriptions
We don’t know the future of the US tax code or how the
government will reduce the national debt. We cannot control tax brackets or the tax rules imposed upon us. However, we can control how we balance our money across multiple tax options. We can learn more about the benefits of proper tax planning and strategies to prevent paying unnecessary taxes.
As we approach the future, tax management becomes critical. Healthy portfolio preparation is the best prevention.
FW107: Taxes: Dancing with Uncle Sam, Part 1
Past, present and future taxes, lifetime tax stages, W-2 versus 1099 income, tax buckets for tax-free, fully taxable and favorably taxed income, inflation impacts, paying taxes on the seed versus the tree concept.
FW207: Taxes: Dancing with Uncle Sam, Part 2
Continues on with additional seed versus the tree examples, a variety of tax advantaged investment types, creative tax-free retirement income sources, Required Minimum Distributions, Stretch IRA's, Estate Taxes and Life Insurance Trusts.
Taxes, Dancing
with Uncle Sam
Being Aware &
Being Prepared
FW109: Preparing for
Life’s Transitions
Available in one 90 or
120 minute session.
Financial issues are complicated enough, never mind the
additional difficulty of dealing with a major transition. Do you recall who taught you about investments, insurance options, taxes and long-term health care? And who taught them? English and math are required in school. But some of the most important elements in our lives are not part of a typical school program.
This class will help empower you to navigate the decisions that must be made prior, during, and after separation from an employer.
Class topics include:
• Develop survival skills regarding your internal thoughts and external influences.
• Use SMART goals to create your transition budget, emergency cash reserves, and debt elimination options.
• Understand financial risks and how to mitigate them.
• Learn what to do with your company benefits and 401(k).
• Learn how to avoid large tax consequences.
• Navigate irrevocable decisions such as survivor benefit payouts and pension options.
Financial Wellness: Class Descriptions
Description:
Whether you’re just starting out or well on your way, learn the importance of protecting your income, assets, loved ones and your legacy. Determine how much you may be at risk and options for filling your insurance gap. Insurance topics such as benefits of a cash value life insurance approach and intricacies of Long Term Care insurance are also included.
Start by asking the right questions:
• Do I need insurance?
• What type of insurance do I need?
• How much do I need?
Insurance Case Studies include:
• Benefits of a Cash Value Life Insurance approach
• Intricacies of Long Term Care insurance
• Term approach
• Perm approach
• Perm joint policy approach
Description:
Do you have a balanced investment portfolio? Learn to recognize types of risk and your tolerance to them. Risks discussed include:
• Market risk
• Individual investment risk
• Purchasing power risk
• Loss of buying power
• Liquidity risk
Volatility, portfolio recovery time, emotions of investing and dollar cost averaging will also be covered. Know how to construct and optimize your portfolio, and how to monitor your investments.
In-class Exercise:
• Students will complete a simple Risk Tolerance exercise.
• An example of a portfolio asset allocation will be shown based on a specific risk tolerance level.
