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Self-study Financial Basics

We're committed to helping you learn basic financial principals. These are summaries of important topics to help you grasp concepts at a high-level and prep you to ask better questions. Take a look at the topics below and check-in periodically. These will be updated regularly based on questions we receive.

<p>Lots of Variables with Fixed-Rate Mortgages</p>

Lots of Variables with Fixed-Rate Mortgages

When selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
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<span><strong>Have You Checked Your Retirement Plan Lately?</strong></span>

Have You Checked Your Retirement Plan Lately?

Does your path forward feel like this bridge looks?

If you haven't given your plan a thorough review within the last 12 months, now may be a good time to do so.

Ask me for more information and read the basics below:


Schedule a call with Karen to learn more!
<span><b>Hot Topics: Naming Beneficiaries and Trust Basics</b></span>

Hot Topics: Naming Beneficiaries and Trust Basics

One of the biggest mistakes and oversights that I come across over and over again is missing or outdated beneficiaries on retirement accounts and insurance policies. This is also a consideration for non-qualified (non-retirement) investment or cash accounts, which often have an option to name a contingent owner.

Ask me for more information and read the basics below!


Schedule a call with Karen to learn more!
<b>As Life Changes, So Should Your Insurance</b>

As Life Changes, So Should Your Insurance

When it comes to life insurance, you might wish you could just “set it and forget it.” But your coverage is based on your life – and let’s face it, life changes. Even things you might not expect can have a big impact on your insurance, including:

  • A new home
  • An addition to (or loss from) the family
  • An employment change or upcoming retirement

It’s easy to stay current! Schedule a review to:

  • Check if any recent events call for changes to your coverage
  • Ensure your contact and beneficiary information are up-to-date

In the meantime, some resources are below:

It's easy to stay current... Schedule a review now!
<b>Increasing Your After-tax Retirement Income</b>

Increasing Your After-tax Retirement Income

During your retirement years, it's important to pay close attention to the income tax consequences of your investment decisions. If you receive a great deal of investment income when retired, for instance, the taxation of your Social Security benefits may be impacted adversely. There are several steps you can take to manage the income taxes on your investments.

To learn more, schedule a call us! In the meantime, some resources are below:


Learn More: All About Retirement Income
All About Roth IRAs and Roth Conversions

All About Roth IRAs and Roth Conversions

We're getting lots of questions on this subject recently. During tax time... it's a HOT TOPIC!

Here are some resources to provide a primer. 


If you'd like help putting any of these strategies in place, you're most welcome to get on my calendar here: https://calendly.com/planningforgood/roth 

Financial Planning - Big Picture

Financial Planning - Big Picture


Table of Contents:

  • Why is financial planning important?
  • Why can't I do it myself?
  • Staying on track
  • The financial planning process
  • Common questions about financial planning


WATCH A VIDEO SNIPPET HERE

Financial Planning: Helping You See the Big Picture

Getting Started: Establishing Financial Safety Net

Getting Started: Establishing Financial Safety Net


Table of Contents:

  • How much is enough?
  • Building cash reserves
  • Where to keep cash reserves


Getting Started: Establishing a Financial Safety Net

Handling Market Volatility

Handling Market Volatility


Topic:

  • Why markets fluctuate
  • What you can do to prepare
  • Steps to take as markets change

WATCH VIDEO HERE

Diversification and Asset Allocation

Diversification and Asset Allocation


Table of Contents:

  • What is Diversification
  • Asset Allocation
  • Other considerations, such as diversification and rebalancing
  • "Winning" Asset Classes


Back to Basics: Diversification and Asset Allocation

Life Insurance at Various Life Stages

Life Insurance at Various Life Stages


Table of Contents:

  • Footloose and fancy-free
  • Going to the chapel
  • Your growing family
  • Moving up the ladder
  • Single again
  • Your retirement years


Life Insurance at Various Life Stages

Financial Basics for Millennials

Financial Basics for Millennials


Millennials face financial challenges that are unique to their generation. One of the first steps in overcoming them is to understand some basic financial concepts.


Click here to learn more: Financial Basics for Millennials