Session 1

Section 1: Life & Wealth Planning

• Financing your life goals
• Establishing S.M.A.R.T. financial goals
• Personal financial statements
• Managing an annual budget
• Income vs. wealth accumulation
• Dual–income family considerations
• Planning an early retirement

Section 2: Barriers to Wealth Accumulation

• The wealth accumulation formula
• 14 wealth planning mistakes
• Debt reduction strategies
• Inflation trends & purchasing power of money
• Leveraging the time value of money
• Overcoming investment fears (opportunity cost)
• Ordinary income vs. long–term capital gains
• 12 strategies to save money on taxes
• Navigating the alternative minimum tax (AMT)

Section 3: Tax Advantaged Investment Vehicles

• Maximizing the value of your paycheck
• 401(k) and other benefit plans
• Rollover defined–considerations
• Traditional vs. Roth IRAs
• IRA to Roth IRA conversions
• SIMPLE & SEP IRAs
• Health savings vs. flex spending accounts
• Tax–advantaged annuities
• Employee stock options
• Choosing beneficiaries

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Session 2

Section 4: Managing Family Finances

• Discussing money inside the home
• Raising financially aware children
• Navigating child tax credit phase–outs
• Guardian IRAs
• College funding investment vehicles
• Protecting your parents from scams
• Social Security & Medicare
• Long–term care for parent
• Estate planning
• Wills, trusts & inheritance
• The probate process
• Stretch IRAs

Section 5: Investment Strategies

• Considerations before you invest
• Cash accounts
• Stocks & equities
• Bonds
• Mutual funds
• Index funds
• Exchange–traded funds
• Alternative investments
• Active vs. passive investing
• Robo advisors & model portfolios
• Professional investment management

Section 6: Risk Management Strategies

• Common investment risks
• Investment risk management
• Asset allocation
• Modern portfolio theory
• Protecting against fraud & financial scams
• Protecting yourself from cash windfalls
• Property & casualty insurance
• Disability income insurance
• Medical & health insurance
• Comparing life insurance