@WORK
The @WORK Financial Education™ series shows you how to put your money to work. It has been designed in a modular format and can be held at your place of employment. Selected classes teach a wide range of useful financial topics. You will learn how to seek the highest potential return on your money that is consistent with your risk tolerance. You will learn how to manage your spending and potentially minimize your taxes. You will discover how to evaluate and select stocks, bonds and mutual funds. @WORK provides much-needed information about all types of employer-sponsored retirement plans, including 401(k)s and stock options.
Whether you're saving to buy a home, building assets for college expenses or planning for retirement, @WORK classes can help! Learn powerful financial strategies that can help you create, manage and build personal wealth. @WORK classes are factual and objective and are packed with valuable information you can put to work today.
Who Should Attend:
@WORK Financial Education™ is recommended for working people of all ages, incomes, and occupations. The comprehensive course agenda provides valuable information for employees at every stage of the employment lifecycle, from newly employed to nearing retirement.
Time Commitment:
Your time commitment will vary depending on how many classes are offered and how many classes you choose to attend. Individual classes are 1½ hours each, so your time commitment could range from a minimum of 1½ hours to a maximum of 10½ hours. Please call our office or check with your human resources department for a specific list of the classes that are currently being offered at your location.
Course Description:
@WORK is a financial education series that shows you how to put your money to work. It has been designed in a modular format and can be held at your place of employment. Selected classes teach a
wide range of useful financial topics. You will learn how to seek the highest potential return on your money that is consistent with your risk tolerance. You will learn how to manage your spending and potentially minimize your taxes. You will discover how to evaluate and select stocks, bonds and mutual funds. @WORK provides much-needed information about all types of employer-sponsored retirement plans, including 401(k)s and stock options.
Whether you're saving to buy a home, building assets for college expenses or planning for retirement, @WORK classes can help! Learn powerful financial strategies that can help you create, manage and build personal wealth. @WORK classes are factual and objective and are packed with valuable information you can put to work today.
Modular Topics include:
Financial Principles
Learn how to keep pace with inflation, potentially minimize taxes and harness the power of compounding. Discover how to assess your financial situation, manage your cash flow and set realistic goals.
Investments
This class presents a broad overview of investment alternatives. Learn how to evaluate stocks, bonds and mutual funds for risk, return and suitability.
Investment Strategies
Learn investment strategies that can help you minimize and manage risk from inflation, interest rates and market fluctuations. Discover the benefits of dollar cost averaging, asset allocation and diversification.
Retirement Contributions
Learn how to use a wide variety of retirement plans to reach your investment goals. Discover the benefits of 401(k)s, 403(b)s, 457s, employee stock options, traditional and Roth IRAs, and other retirement plans.
Taking Money Out of Retirement Plans
Discover the most efficient ways to take money out of your retirement plans. Learn about pre-retirement withdrawals, early retirement distributions, normal retirement distributions and how to structure your retirement income.
Risk Management
Discover how to protect your hard-earned financial assets. Learn how to select and evaluate insurance products, including life, health, disability, income, long-term care, liability and property insurance.
Estate Planning
Learn the strategies of effective estate planning. Discover how to use direct transfers, joint ownership and trusts to pass on your estate. Learn techniques to potentially minimize income, gift and estate taxes.
Outline
Financial Principles |
Retirement Contributions |
Investments |
Taking Money Out of Retirement Plans |
Investment Strategies |
Risk Management |
Estate Planning |
Financial Principles
This module will orient you to financial principles and the financial planning process. It will help you recognize financial obstacles and understand methods to overcome them.
The topics to be discussed are:
- Inflation
- Compounding
- Taxation on income and investments
- Assessing your current financial situation
- Knowing where you are
- Managing your cash flow
- Financial Goals
Investments
You will learn about a variety of investments that are commonly used when you enroll in this class. After participating in this session, you will have the knowledge to make intelligent choices about which alternatives best meet your needs.
The topics to be discussed are:
- Individual Investments
- Fixed-income investments
- Cash equivalents
- Bonds
- Equity investments
- Stocks
- Pooled Investments
- Professional money management
- Mutual funds
- Tax-deferred annuities
- Variable life insurance
Investment Strategies
This session will help you use your investment knowledge efficiently. It will also help you determine the best investment selection approach for you. Finally you will learn to balance risk with the potential for higher returns.
The topics to be discussed are:
- Types of investment risk
- Inflation risk
- Interest-rate risk
- Market risk
- Business risk
- Methods of managing risk
- Laddering
- Dollar-cost averaging
- Diversification
- Asset allocation
Retirement Contributions
You will see the power of starting your retirement plan now when you come to this session. No matter what stage of life you are in, it is never too late - or too early - to start your retirement plan.
The topics to be discussed are:
- Retirement planning
- Types of retirement plans
- Benefits of using retirement plans
- Employer retirement plans
- Defined benefit and defined contribution
- 401(k)
- 403(b)
- 457
- SIMPLE
- SEP-IRA
- Employee Stock options
- Other retirement plans
- Personal retirement plans
- Traditional IRA
- Roth IRA
Taking Money Out of Retirement Plans
Retirement plans require more decisions than just determining how much to contribute. Eventually, you will have to decide when and how to take money out. Each of your decisions can have a serious impact on your financial security during retirement. This class will discuss the importance of planning withdrawals from retirement plans.
The topics to be discussed are:
- Preretirement withdrawals
- Early retirement distributions
- Normal retirement distributions
- Structuring your retirement income
Risk Management
This class will help you understand the importance of managing your risks. Managing your risks allows you to provide a solid foundation for your overall financial program.
The topics to be discussed are:
- Loss of health
- Health Insurance
- Disability income insurance
- Long-term care insurance
- Premature death
- Uses for life insurance
- Determining how much life insurance you need
- Types of life insurance
- Negligence and liability insurance
- Property loss and property insurance
Estate Planning
Estate planning is the process that allows you to express your wishes concerning your assets and your dependents. Everyone has an estate, and everyone has an estate plan. If you don't develop one, the state will develop one for you. This session explains the importance of estate planning and why it should involve your financial professional and a qualified attorney.
The topics to be discussed are:
- Estate planning concerns
- Components of your estate
- Estate planning objectives
- Providing for family members
- Incapacity concerns
- Distributing your estate
- Direct transfer
- Joint ownership
- Trusts
- Probate
- Estate shrinkage
- Income taxes
- Gift and estate taxes
- Strategies to reduce estate taxes
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