Help pre-retirees navigate the many decisions involved in preparing their 401(k) savings for retirement. This objective, interactive workshop educates employees on what a rollover is and the long-range consequences of various retirement options.

Workshop Description
We help bring pre-retirees through the decisions they need to make about getting their 401(k) savings and other retirement plan assets ready for retirement. Attendees learn the three primary distribution options available to them, the pros and cons of each, how those decisions might play out over a 30-year+ retirement, and the mistakes to avoid.

Participants will learn:

• The 6 steps to preparing their retirement plan money for retirement
• 4 rollover options to consider
• How to tax-effectively move company stock
• How to avoid the 11 biggest rollover blunders
• What accounts can be rolled over and what can't
• The pros and cons of cashing out
• The pros and cons of leaving assets in the employer's plan
• The pros and cons of doing an IRA rollover
• 6 common complications to avoid
• The mechanics of rolling over retirement assets
• An explanation of direct vs. indirect rollovers

Attendees will receive:

• An educational, objective third-party presentation
• The Rollover Ready Checklist
• Rollover Blunders Guide

Time commitment
The workshop lasts about 45 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

More than 30 million people are expected to become caregivers for aging parents or other relatives in the next decade. Most are woefully unprepared for this life change.

When it comes to caring for an aging loved one, most families don’t have a plan until there is a problem. Lack of planning doesn’t have to mean a lack of commitment. It is never too late to begin the discussion!

Participants will learn:

• What every family’s number one priority is when creating a caregiving plan
• The most overlooked aspect of family caregiving planning
• Best ways to start the caregiving discussion in your family
• Why now is the best time to start the process
• The critical legal issues that must be addressed quickly
• What caregivers need to ensure they can help their family as much as possible
• The key topics covered in a good caregiving plan
• Why no one person can effectively do everything related to a caregiving plan
• The key roles professionals play in helping families respond to caregiving challenges

Families need to ask:

• What happens when an elderly parent needs caregiving?
• What’s the best way to guarantee our loved ones get the best care possible?
• Do we know who will oversee our parents’ care?
• Has anyone discussed how caregiving expenses will be covered?
• Do we have a clear understanding of the personal, residential, medical, legal, and financial issues involved with caregiving?

Attendees will receive:

• An educational, objective third-party presentation
• First Meeting Guide
• Family Guide to Caregiving Trifold

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

Data breaches, computer hacks, phishing, and more. Learn the top 10 tactics used by fraudsters and the ways you can start to protect yourself, your family, and your business today.

This interactive workshop will cover:

• How one wrong click can put your entire financial life at risk
• Why malware is one of the biggest threats on the internet
• How to protect your child's credit before it is too late
• How an ATM can put your identity at risk
• 3 tips to making your smartphone/tablet more secure
• How your home Wi-Fi is putting you and your family's security at
• 2 methods fraudsters use to impersonate your business
• Why you should review your social media privacy settings now
• How to check your credit report for fraudulent activity

Participants will learn:

• 10 ways your security is at risk and how to fight back
• Why you should be skeptical of emails in your inbox
• Why children are more at risk for identity theft than adults
• How your smartphone and tablet put you at a greater risk of identity theft
• 4 ways to use public Wi-Fi safely
• Why thieves have an eye on your business' identity

Attendees will receive:

• An educational, objective third-party presentation
• Cyber Security Scorecard

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

College planning can be an anxious and overwhelming process for parents, and the consequences of poor planning can leave children saddled with debt.

At this workshop you will learn:

• The 6 ways you can reduce college costs.
• How to use a college's Net Price Calculator to find out what that
• college will cost.
• The 5 sources of financial aid and which ones you should prioritize.
• The Expected Family Contribution (EFC) number - how to find yours, and why it's integral to the financial aid process.
• How grants and scholarships get awarded, and which ones are worth going after.
• The difference between government and private loans and how to choose the best ones.
• How to find a college's graduation rate and why it's crucial.
• The truth about athletic scholarships and why they aren't always as desirable as commonly believed.

Learn the rules for:

• How scholarships and grants are awarded and which ones you should focus on given your financial profile.
• Evaluating each college’s Net Price Calculator and how best to use them to attain a realistic picture of what that college will actually cost.
• How athletic scholarships are awarded and why they aren’t always as desirable as commonly believed.
• The difference between government and private loans and how to choose the right ones.

Attendees will receive:

• An educational, objective third-party presentation
• The Savvy Parents' Guide to Cutting College Costs-- a comprehensive reference addressing common questions and issues.

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

If you are concerned about health care expenses in retirement, now is the time to start planning.  Starting with an overview of Medicare and ending with a discussion of long-term care, this workshop will open your eyes to the way health care works in retirement and what decisions you need to make now to prepare.  This workshop is geared to everyone over 60, even if you are already on Medicare.

At this workshop you will learn:

• How Medicare enrollment periods work and what you need to avoid late enrollment penalties
• How much can you expect to pay in health care costs after going on Medicare
• How Medicare works with private insurance to provide comprehensive coverage
• Why most people pay too much for private insurance and how you can avoid excess costs
• Why you must plan for higher health care costs in retirement, including the possibility of needing long-term care

Attendees will receive:

• An educational, objective third-party presentation
• The Baby Boomer’s Guide to Savvy Medicare Planning-- a comprehensive reference addressing common questions and issues.

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry.  

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

Creating monthly income that lasts throughout your retirement is tricky. A wrong decision could subject you to unnecessary taxes, penalties, and inflation.

Participants will learn:

• Why you need a retirement income plan
• 6 questions to ask before you retire
• How to determine how much income you will need in retirement
• The 4 primary sources of retirement income
• 4 popular withdrawal strategies and the pros and cons of each
• How retirement income is taxed
• 5 tax planning strategies in retirement
• A retirement income action plan

Topics we’ll cover:

• Do you know how long your money will last if you continue doing what you’re doing today?
• How you can create a guaranteed retirement income that you and your spouse cannot outlive.
• Different sources of income have different tax consequences. Learn tax-smart strategies for withdrawing funds -- and which accounts to tap first.
• Why your retirement plan almost certainly needs to be updated to properly protect your assets from another big drop in the market.
• The biggest threats to your retirement lifestyle: how to prepare for the expected – and the unexpected.

Attendees will receive:

• An educational, objective third-party presentation
• Retirement Calendar Checklist

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

IRA planning is far more complicated than most people realize. The decisions you make now can have a tremendous impact on your retirement income. This informative seminar covers what you need to know about retirement account planning.

Participants will learn:

• 7 strategies for Savvy IRA planning
• 6 roll over options for your retirement plan funds
• 3 common required minimum distribution mistakes
• The difference between indirect and direct rollovers
• How to coordinate your IRA planning with your overall retirement, estate, tax, education, Social Security and financial plans

Learn the rules for:

• Contributing to traditional IRAs and Roth IRAs
• How direct and indirect roll overs work
• How retirement accounts are takes
• Roth IRA conversions
• How spousal IRAs work

Attendees will receive:

• An educational, objective third-party presentation
• The Baby Boomer’s Guide to Savvy IRA Planning - a comprehensive reference addressing common questions and issues.

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.

Social Security is far more complicated than most people realize. The decisions you make now can have a tremendous impact on your retirement income. This informative seminar covers what you need to know about Social Security and reveals strategies for maximizing your benefits.

Workshop Description
Decisions surrounding Social Security have become increasingly complex. After being told for years that Social Security is “going broke” People are realizing that it will soon be their turn to collect. But the decisions you make now can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime.

Participants will learn:

• Why you should check your earnings record for accuracy
• How to estimate your benefits
• Five factors to consider when deciding when to apply for benefits
• When it makes sense to delay benefits -- and when it does not
• How to coordinate benefits with your spouse
• How to minimize taxes on Social Security benefits
• How to coordinate Social Security with your other sources of retirement income

Attendees will receive:

• An educational, objective third-party presentation
• The Baby Boomer’s Guide to Social Security -- a comprehensive reference addressing common questions and issues, including proposals for reform.

Time commitment
The workshop lasts about 60 minutes, followed by 15-20 minutes of Q&A.  The workshop can be customized in content and length to the specific needs of your organization and industry. 

* There is no obligation to you or your employees. No financial or retirement products will be presented or discussed.