Financial Literacy Lunch & Learn

April is Financial Literacy month

Financial Literacy
You don’t have to hide from money…

To help our community and meet new people we are hosting Financial Literacy Lunch and Learn meetings.  These are slated for each Thursday in the month of April, 2016.  They courses are free to attend and require an RSVP to attend.

We recently realized something amazing to ask everyone, please ask yourself – if what I thought I knew about money wasn’t true, when would I want to know it wasn’t true?

With that question in mind and April’s being Financial Literacy month, we are hosting four seminars. The seminars will be held in our office on each Thursday from 11:30 – 1:00.  These are what we call “lunch & learn”.  For those who register we will provide a lite lunch.  You are invited to bring a friend, two or three with you.  Please register for each event listed below.


  • If you are unable to attend the event as scheduled, call me personally. I will see what we can work out.
  • Seating is limited, please RSVP and as you likely won’t be admitted without an RSVP.
  • These are complementary, we can charge, but that is not the point. Education is the point.

Social Security updates 2016:

RSVP here for Social Security Lunch & Learn

As you may have heard, certain Social Security “loopholes” have been closed.  This makes planning more complicated.  It has been said couples are leaving as much at $200,000 on the table in underutilized Social Security Benefits. Can you arrange your schedule to attend?

Questions we will answer during this lunch & learn:

  • Will these changes impact you
  • How do you keep these changes from impacting you, if possible
  • In light of the changes, what can you do, if anything, to maximize your benefits

RSVP here for Social Security Lunch & Learn

Getting to the zero percent tax bracket:

RSVP – Zero Percent Tax Bracket

First of all, what is the Zero percent tax bracket? When you or your tax preparer calculates your taxes each year – have you ever paid zero taxes?  The tax system has brackets based on your income.

Realize that when tax rates increase you will not be affected.  This is because 0% of any amount of money is still zero.

Questions about zero percent taxes we will address:

  • Is this even possible?
  • What strategies make sense?
  • What options or vehicles work have zero percent income tax?

RSVP – Zero Percent Tax Bracket

401k rollovers –rollover your 401k without penalties or taxes:

RSVP – 401k rollovers and other options

There are misconceptions about what you can and can’t do with your 401k. For starters, what is “Rolling Over?”

Rollover questions we will address:

  • Is Rolling over your 401k while you are working is possible?
  • Is rolling over your 401k appropriate for you? What other options exist instead of a 401k?

RSVP – 401k rollovers and other options

All about IRAs, well an hour’s worth

RSVP – IRA’s avoiding mistakes that can cost you dearly

When you have a retirement account, be it an IRA, 401k, Roth IRA, Roth 401k, 403b, etc., you have many options of how to manage and invest those life savings.  The often hidden issues are all related to the paperwork, such as the beneficiary forms.

Avoiding 5 common IRA & retirement account issues:

  • Beneficiary Mistakes
  • Naming a living trust as the beneficiary of your IRA/401k
  • Improperly inheriting an IRA/401k

RSVP – IRA’s avoiding mistakes that can cost you dearly