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

Current market volatility -- Savings vs Investing -- Your retirement plan investment options defined and explained -- The case for alternatives -- Growth vs Value -- How important are dividends? -- Risk tolerance assessment done correctly -- Guiding Principles & Strategies -- What will happen with interest rates?

Traditional IRA/401(k)  --  Roth IRA/401(k)  --  What else is available?  --  Flexibility  --  Having it both ways

Know the Rules – Deductions, Dividends and Dependents  --  Keeping Accurate Records – Save, Shred, or Recycle  --  What are Required Minimum Distributions – SECURE ACT  --  Tax Deferred Programs – The Ins and Outs  --  Tax Planning Strategies  --  Year End Planning Checklist  --  The Future?

Tips to avoid identity theft - Establishing an emergency fund - Planning your retirement savings - Learning and preparing for the unknown financials ahead - Financial products explained

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?

Defining Socially Responsible investing and how it got started  ■  Environmental, Social, and Governance Issues  ■  Debunking common myths  ■  How ESG funds compare to others, and how they fit into a well-balanced portfolio

The details of collecting  -  File at 62 or wait?  -  The impact of earnings from employment  -  How Social Security is taxed  -  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!

Saving vs Investing  --  Your Retirement Plan investment options defined, and explained  --  The case for Alternatives  --  Growth vs Value  --  How important are dividends?  --  Risk Tolerance assessment done correctly  --  Guiding Principles and Strategies  --  What will happen with interest rates?