I offer classes on personal finance at various places and times and a mix of in-person and virtually via a Zoom connection. They are the following:

Financial Planning during Retirement

This class is for anyone already retired or planning to do so in the next few years.

You will learn about:

• investment strategy, asset allocation, and risk
• the order in which to draw down assets
• the importance of minimizing fees
• Social Security claiming strategies
• the role of annuities
• a safe level of spending
• reverse mortgages
• Medicare surcharges and
• long-term care insurance

Evaluating and Compensating a Financial Advisor

This class is for anyone who has a financial advisor or is considering hiring one.

You will learn:

• what a financial advisor does
• how to select and evaluate an advisor
• how to assess an advisor’s competency and performance
• how advisors are compensated and the associated conflicts and costs
• other options besides a traditional financial advisor

Saving for Retirement

This class is for adults of all ages who want to learn how to achieve a financially secure retirement.

You will learn about:

• different retirement plan structures (401ks and IRAs, Roth versus Traditional)
• different saving and spending strategies and how much you need to save
• how and where to invest your savings and the importance of minimizing fees
  
• understanding investment strategy, asset allocation, and risk
• Social Security

Roth IRA — A Great Way to Save and Why You Should Have One

• what it is
• who qualifies
• how to invest your funds
• conversions
• other more sophisticated strategies such as “back-door” and “mega-back-door” conversions

Teaching Your Children Financial Literacy

This class is for parents who want to learn how to develop their teenage and pre-teen children’s financial literacy.

You will learn how to guide your kids to:

• create good spending and saving habits
• responsibly manage credit cards and student loans
• work with a bank account and debit card
• save in a Roth IRA when they have earned income

And, we’ll discuss how to talk with your kids about money.

Spending, Saving, and Budgeting

This class is for anyone who wants to learn to save more, spend less, and improve your financial decision-making skills.

You will learn how to:

• develop healthy and sustainable spending and saving strategies
• create and sustain a budget
• save for retirement
• mix love and money
• determine how much insurance you need
• understand financial institutions

Inflation Is Back — What Can You Do About It?

This class is for anyone who is curious about the current surge in inflation. We’ll focus on understanding what inflation is, how it’s measured, how it affects stocks, bonds, real estate prices, and interest rates.

Instead of discussing the obvious changes to shop more carefully, turn down the heat, and keep the car well-tuned, we’ll focus on questions you may have about mitigating the short- and longer-term effects of inflation. These topics include:

• whether a fixed or variable rate mortgage is a better choice
• how housing prices may be affected by higher inflation
• how the stock market may be affected by higher inflation
• why short-term savings rates (eg, savings accounts and CDs) are lower than inflation
• why US Treasury inflation bonds are a great investment but other long-term bonds are riskier in a scenario of higher inflation
• why tracking your monthly spending — and how to do so — is helpful especially in a time of rising prices
• why your income will, unfortunately, probably not rise as fast as prices

If you’d like any more information about any of these classes, get in touch with me.

Questions?  Get in touch