Employee Wellness Program

• Find your net income

• Calculate expenses and profit

• Set financial goals

• Create a budget

• Shift from credit to cash

• Know the difference between

investment and expense

• Break-even analysis–should you collect at

age 62, 66, or 70?

• Delayed retirement credits–earn 8% per year guaranteed for 4 or 8 years

• File and suspend–file for your Social

Security suspend and let your spouse collect

50% of your benefits

• Learn how to collect IRA’s and let your Social Security grow 8% per year

• How are your benefits calculated?

• How cost of living adjustments affects your

Social Security

• LTC by the numbers

• Federal LTC program

• Activities of daily living

• Qualifying for low/no-cost coverage

• LTC insurance alternatives

• Medicaid planning

• LTC during retirement

• The myth about financial aid

• Sources of money

• Need-based vs non-need-based

• College funding vs financial aid

• Advice

• The reward

• Dealing with death and estate taxes

• Wills and trusts

• Probate and your estate

• Choosing an executor

• Lifetime giving exclusion

• Unlimited martial deduction

• Tax-free inheritance

• Cash flow management

• Basics of tax planning

• Creating a financial road map

• Introduction to estate planning

• Overcoming obstacles to creating wealth

• Maximum savings and investment plans

• Lack of plan or inadequate plan

• Improper debt management

• Lack of estate plan

• Lack of tax planning strategy

• Buying advice on the Internet

• Lack of an exit strategy

• Budgeting for change

• Navigating a financial crisis

• Phases of wealth

• Tax planning 101

• Long-term financial efficiency

• What is in a credit report and how to read it

• What makes a credit score?

• Roll down debt reduction strategies

• How to improve credit score

• Consolidating assets

• IRS section 525

• Accessing your retirement accounts for

current needs

• Saving/avoiding taxes

• Leaving IRA’s behind/stretch IRA

• LTC by the numbers

• Medicaid overview

• LTC insurance options

• How to plan for LTC

• What is "The Market"?

• Stock, bond, and mutual fund characteristics

• Annuities–how they work

• Qualified money–IRAs and 401Ks; what’s the

difference?

• Taxation implications of investing

• Medicare part A, B, C, and D

• What is a supplement?

• Tax planning with Medicare

• How does LTC work?

• Qualifying for no cost LTC

• How to create tax efficient executive compensation

• Advanced tax strategies for the business owner

• Succession planning secrets

• Taking care of employees through

education

• Financial strategies to prepare for a crisis

• Understand how market events impact you

• Protecting your life savings from

catastrophe

• Ensuring your money outlives you

• Surviving financial uncertainty

• Tax strategies during volatile times

• Different types of student loans

• Different types of payment plans

• How to properly set up loans for PSLF

• How to not outlive your money

• Running the retirement marathon

• How taxes and inflation impact retirement

• Exit strategies

• RMD’s

• Stretch IRA’s

• LTC considerations

• Understanding the basics of Social Security

• How to optimize your benefits

• Advantages of applying after full retirement

age

• How are your benefits calculated?

• What is it?

• How does it impact my beneficiaries?

• The government could become your

#1 beneficiary

• Where do our taxes go?

• Do I need a tax advisor?

• Tax avoidance

• Tax-free savings

• Tax-deferral vs tax deductible vs tax-free

• Why you shouldn’t wait to get your refund

• Utilize volatility to your tax advantage

• Why the next 5 years are crucial for long-term tax planning

• Eliminating variables for retirement

• Using tax advantaged dollars to efficiently

plan