How to use Credit - Know the 28/36 rule - Understanding Gross vs. Net pay - Creating a “Spending Plan” - Setting long and short-term goals - Good Debt vs. Bad Debt - Identity Theft prevention ideas

Are you emotionally ready to retire?  - Decisions you will face: Multiple competing goals - Healthcare!!  -  Investing principles/debt management - Identity Theft Protection - Income planning for the phases of retirement: “Go-Go, Slow-Go, No-Go” - 4 “must-do’s” every year

How to use your employer provided benefits to protect you and your family while saving $$$ -- How to determine your insurance needs -- What are the right types of coverages for you? -- How much do you need? -- Proven strategies to improve your financial situation -- What’s new in insurance? -- What benefits […]

Beneficiary Planning • Wills vs. Trusts • The tax that effects most – tax on Retirement Assets • Probate • Executor Responsibilities • The working tools of an Estate Plan – Powers of Attorney and Living Wills • What strategies are available?

Details about your High-Deductible Health Plan • Benefits, including the triple income tax advantages • How income protection fits in with health insurance • Differences between HSAs and FSAs - Eligible expenses Contributions - Who and how much? - Investing options - Do’s and Don'ts - What happens when I separate service?

The details of collecting - File at 62 or wait?  -  The impact of earnings from employment - How to coordinate benefits with your spouse - A discussion of the future of Social Security including proposed changes - Don’t miss out on benefits you’re eligible for!