Courses

Providing ongoing education to help clients navigate and understand complex financial topics through simple language.

Our members, all licensed professionals, share a passion for educating individuals within their communities. Our members generously donate their time and knowledge in classroom style settings. They cover topics such as:

Social Security

For many Americans, working past age 62 has become the new normal, especially with soaring inflation and steadily improving healthcare services. Of course, age 62 is also the age at which each worker becomes eligible for Social Security benefits, so it’s important to understand how working past age 62 affects your Social Security benefit, whether you claim your benefits then or not. Social Security’s rules surrounding this topic are fairly complex and it’s easy to get confused and overwhelmed by the details. Our network of highly qualified fiduciaries and financial professionals are here to help you cut through the noise to tackle the topics that pertain to you. This ensures you get the best quality of service to meet your specific needs.

Get in Touch with a Social Security Expert…

Will Awareness

If you’ve got a family, a home or any kind of financial account, it is important that you have a will in place. When done properly, a will can simplify the process with clear direction for designating your child’s guardian, passing on a family-owned small business, and mitigating any intra-family conflicts that may arise.

We know family changes such marriage, divorce, births and deaths are all certain. These life changing events can render a will obsolete and unaligned to your wishes if you don’t keep them up to date.

Medicare

Many Americans struggle with navigating the complicated Medicare system. Our goal is to assist Americans through the process so they never need to face the chaos of making decisions about Medicare that are often hard to undo. Let our network of specialists help you to address such things as when to enroll, what supplemental coverage to consider, and how to avoid penalties.

Let us connect you with the right Medicare Specialist.

Tax-Free Retirement

As you ponder your future, financial stability is often a top priority. Being prepared for those unexpected and ever-changing events along the way can be an important part of your future financial plans. But of equal importance is getting the help of a financial advisor to bring into focus your plans. This includes navigating the process of making sure there are no surprises, especially when it comes to your taxes.

Our network of highly qualified fiduciaries and financial professionals are here to help you answer important questions.

IRA/401(K)

A 401(k) is a retirement plan that enables employees to set aside a portion of their earnings. This money can then be invested in a vast array of investment funds within the 401k plan, and the earnings on those investments will not be taxed until the employee withdraws that money. In many cases, employers also match employee contributions to the plan up to an amount defined by the company.

There are two main options. There is a traditional 401k in which contributions are deducted from your gross income(pre-tax). Then there is a Roth 401k in which contributions are deducted from the employee’s after-tax income. Each option has its own distinct tax advantages. A financial advisor can be a great resource to have in your corner when choosing which option is right for you. They can help you make your the complex world of investing, and help you come up with a successful plan for your future.

Estate Planning Options

Estate planning is about ensuring your wishes are carried out. A good estate plan is comprised of five key elements: Will, Tax Mitigation, Power of Attorney, Health Care or Medical Directive and Beneficiary Designation.

Our network of specialist can help you work out a plan that ensures your wishes are carried out to the letter.

Annuities

An annuity is an agreement between you and an insurance company in which the company promises to make periodic payments to you, starting immediately or at some future time. You can either buy an annuity either with a single payment or a series of payments called premiums.

Some annuity contracts provide a way to save for the future. Others can transform your savings into a stream of future income. Still others do both. If you use an annuity as a savings vehicle and the insurance company delays your pay-out to the future, you have a deferred annuity. If you use the annuity to create a source of retirement income and your payments start right away, you have an immediate annuity.

Annuities come in a few varieties: fixed, variable and indexed. Knowing the right option to choose can be a huge factor when planning for your financial future.

Let our network of Fiduciaries and Financial Specialists help you choose the right option for you.

Long-Term Care

Long-term care insurance is a type of insurance designed to cover the costs associated with long-term care services, which are not typically covered by traditional health insurance or Medicare. This type of insurance helps individuals prepare for the potential costs of care they may need as they age or if they experience a chronic illness or disability.

It’s important for individuals considering long-term care insurance to carefully research their options, compare policies from different insurers, and consider factors such as benefit levels, waiting periods, inflation protection, and any exclusions or limitations in coverage.

Let our network of Long Term Care Specialists help you choose the right option for you.