{"id":516,"date":"2025-01-08T15:43:35","date_gmt":"2025-01-08T15:43:35","guid":{"rendered":"https:\/\/kayadevelopmentserver.com\/fs\/?page_id=516"},"modified":"2025-01-08T15:51:46","modified_gmt":"2025-01-08T15:51:46","slug":"upcoming-personal-finance-classes","status":"publish","type":"page","link":"https:\/\/kayadevelopmentserver.com\/fs\/upcoming-personal-finance-classes\/","title":{"rendered":"Upcoming Personal Finance Classes"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-nl-bnr-1.jpg&#8221; background_position=&#8221;top_right&#8221; background_last_edited=&#8221;on|phone&#8221; background_position_phone=&#8221;center_right&#8221; background_horizontal_offset_phone=&#8221;9%&#8221; background_vertical_offset_phone=&#8221;0%&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Upcoming Personal Finance Classes&#8221; title_tablet=&#8221;Investment Strategy Review&#8221; title_phone=&#8221;Investment Strategy Review&#8221; title_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;42px&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;36px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; title_text_shadow_style=&#8221;preset1&#8243; title_text_shadow_vertical_length=&#8221;0em&#8221; title_text_shadow_vertical_length_tablet=&#8221;0em&#8221; title_text_shadow_vertical_length_phone=&#8221;0.1em&#8221; title_text_shadow_vertical_length_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Upcoming Personal&#8221; title_tablet=&#8221;Upcoming Personal&#8221; title_phone=&#8221;Upcoming Personal&#8221; title_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;42px&#8221; custom_margin=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;36px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; title_text_shadow_style=&#8221;preset1&#8243; title_text_shadow_vertical_length=&#8221;0em&#8221; title_text_shadow_vertical_length_tablet=&#8221;0em&#8221; title_text_shadow_vertical_length_phone=&#8221;0.1em&#8221; title_text_shadow_vertical_length_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243; title_line_height=&#8221;1.3em&#8221;][\/et_pb_heading][et_pb_heading title=&#8221;Finance Classes&#8221; title_tablet=&#8221;Finance Classes&#8221; title_phone=&#8221;Finance Classes&#8221; title_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;42px&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;36px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; title_text_shadow_style=&#8221;preset1&#8243; title_text_shadow_vertical_length=&#8221;0em&#8221; title_text_shadow_vertical_length_tablet=&#8221;0em&#8221; title_text_shadow_vertical_length_phone=&#8221;0.1em&#8221; title_text_shadow_vertical_length_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243; custom_margin=&#8221;||||false|false&#8221;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22background_color%22%93}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text ul_item_indent=&#8221;50px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#3c4046&#8243; ul_text_color=&#8221;#3c4046&#8243; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#0d63a4&#8243; header_font_size=&#8221;40px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_2_text_color=&#8221;#0d63a4&#8243; header_2_font=&#8221;|600|||||||&#8221; sticky_enabled=&#8221;0&#8243;]Do your personal finances need a booster shot? Do you want to improve your financial resiliency?<\/p>\n<p>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:<\/p>\n<h2 class=\"null\">Financial Planning during Retirement<\/h2>\n<p>This class is for anyone already retired or planning to do so in the next few years.<\/p>\n<p>You will learn about:<\/p>\n<ul>\n<li>investment strategy, asset allocation, and risk<\/li>\n<li>the order in which to draw down assets<\/li>\n<li>the importance of minimizing fees<\/li>\n<li>Social Security claiming strategies<\/li>\n<li>the role of annuities<\/li>\n<li>a safe level of spending<\/li>\n<li>reverse mortgages<\/li>\n<li>Medicare surcharges and<\/li>\n<li>long-term care insurance<\/li>\n<\/ul>\n<h2 class=\"null\">Evaluating and Compensating a Financial Advisor<\/h2>\n<p style=\"font-weight: 400;\">This class is for anyone who has a financial advisor or is considering hiring one.<\/p>\n<p style=\"font-weight: 400;\">You will learn:<\/p>\n<ul>\n<li>what a financial advisor does<\/li>\n<li>how to select and evaluate an advisor<\/li>\n<li>how to assess an advisor\u2019s competency and performance<\/li>\n<li>how advisors are compensated and the associated conflicts and costs<\/li>\n<li>other options besides a traditional financial advisor<\/li>\n<\/ul>\n<h2 class=\"null\">Saving for Retirement<strong><br \/>\n<\/strong><\/h2>\n<p>This class is for adults of all ages who want to learn how to achieve a financially secure retirement.<\/p>\n<p>You will learn about:<\/p>\n<ul>\n<li>different retirement plan structures (401ks and IRAs, Roth versus Traditional)<\/li>\n<li>different saving and spending strategies and how much you need to save<\/li>\n<li>how<span class=\"more\"> and where to invest your savings and the importance of minimizing fees<br \/>\n<\/span><\/li>\n<li><span class=\"more\">understanding\u00a0<\/span>investment strategy, asset allocation, and risk<\/li>\n<li>Social Security<\/li>\n<\/ul>\n<h2>Roth IRA \u2014 A Great Way to Save and Why You Should Have One<\/h2>\n<div>\n<p>This class is for anyone who wants to learn why a Roth IRA is a great way to save throughout your working lifetime. You will learn:<\/p>\n<\/div>\n<ul>\n<li>what it is<\/li>\n<li>who qualifies<\/li>\n<li>how to invest your funds<\/li>\n<li>conversions<\/li>\n<li>other more sophisticated strategies such as \u201cback-door\u201d and \u201cmega-back-door\u201d conversions<\/li>\n<\/ul>\n<h2>Teaching Your Children Financial Literacy<\/h2>\n<p>This class is for parents who want to learn how to develop their teenage and pre-teen children\u2019s financial literacy.<\/p>\n<p>You will learn how to guide your kids to:<\/p>\n<ul>\n<li>create good spending and saving habits<\/li>\n<li>responsibly manage credit cards and student loans<\/li>\n<li>work with a bank account and debit card<\/li>\n<li>save in a Roth IRA when they have earned income<\/li>\n<\/ul>\n<p>And, we\u2019ll discuss how to talk with your kids about money.<\/p>\n<h2>Spending, Saving, and Budgeting<\/h2>\n<p>This class is for anyone who wants to learn to save more, spend less, and improve your financial decision-making skills.<\/p>\n<p>You will learn how to:<\/p>\n<ul>\n<li>develop healthy and sustainable spending and saving strategies<\/li>\n<li>create and sustain a budget<\/li>\n<li>save for retirement<\/li>\n<li>mix love and money<\/li>\n<li>determine how much insurance you need<\/li>\n<li>understand financial institutions<\/li>\n<\/ul>\n<h2>Inflation Is Back \u2014 What Can You Do About It?<\/h2>\n<p>This class is for anyone who is curious about the current surge in inflation. We\u2019ll focus on understanding what inflation is, how it\u2019s measured, how it affects stocks, bonds, real estate prices, and interest rates.<\/p>\n<p style=\"font-weight: 400;\">Instead of discussing the obvious changes to\u00a0shop more carefully, turn down the heat, and keep the car well-tuned, we\u2019ll focus on questions you may have about mitigating the short- and longer-term effects of\u00a0inflation. These topics include:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>whether a fixed or variable rate mortgage is a better choice<\/li>\n<li>how housing prices may be affected by higher\u00a0inflation<\/li>\n<li>how the stock market may be affected by higher\u00a0inflation<\/li>\n<li>why short-term savings rates (eg, savings accounts and CDs) are lower than\u00a0inflation<\/li>\n<li>why US Treasury\u00a0inflation\u00a0bonds are a great investment but other long-term bonds are riskier in a scenario of higher\u00a0inflation<\/li>\n<li>why tracking your monthly spending \u2014 and how to do so \u2014 is helpful especially in a time of rising prices<\/li>\n<li>why your income will, unfortunately, probably not rise as fast as prices<\/li>\n<\/ul>\n<p>If you\u2019d like any more information about any of these classes, get in touch with me.<\/p>\n<p style=\"text-align: center;\"><a class=\"post-questions\" style=\"display: inline-block;\" href=\"https:\/\/kayadevelopmentserver.com\/fs\/\">Questions?\u00a0\u00a0Get in touch<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-hm-clnt-tstmnl-bg.jpg&#8221; custom_padding=&#8221;30px||80px||false|false&#8221; custom_padding_tablet=&#8221;20px||60px||false|false&#8221; custom_padding_phone=&#8221;20px||40px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-clnt-tstmnl-qt-dn.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;bottom_right&#8221; custom_padding=&#8221;||14px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;What are clients saying?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;42px&#8221; custom_margin=&#8221;||10px||false|false&#8221; title_font_size_tablet=&#8221;42px&#8221; title_font_size_phone=&#8221;25px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_slider _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-clnt-tstmnl-qt-up.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; hover_transition_duration=&#8221;100ms&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>The Retirement-Readiness service was just what we needed to answer our questions about planning for retirement.<\/p>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]We were a bit stressed about our (lack of) financial planning but Jimmy put us at ease and showed us a way forward\u2026 thanks.[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>Jimmy made it simple and understandable for us.<\/p>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>We found the meeting very helpful, and appreciated your ability to be clear, concise, practical and look at a number of different perspectives, providing contrasting ways of looking at things. It was just what we needed.<\/p>\n<p>[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]We had questions about our financial advisor and Jimmy gave us an unbiased assessment that was quite helpful and turned out to save us a lot of money.[\/et_pb_slide][et_pb_slide _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; body_font=&#8221;||on||||||&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]Jimmy understands how stressful money is to most of us\u2026 he thinks creatively and explains it all clearly.[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do your personal finances need a booster shot? Do you want to improve your financial resiliency? 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-516","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/comments?post=516"}],"version-history":[{"count":7,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/516\/revisions"}],"predecessor-version":[{"id":524,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/516\/revisions\/524"}],"wp:attachment":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/media?parent=516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}