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Client/Prospect Seminars
Client seminars provide the opportunity for your representatives to interact face-to-face with audiences about personal finances, investments, and retirement planning. Each of our client seminars comes complete with speaker scripts, handouts, and invitations - everything a speaker needs to make an effective presentation. Seminars are created in PowerPoint and can be purchased off-the-shelf or customized to suit individual needs.
21st Century Retirement
This seminar outlines the realities of retirement in the 21st century, including the risks to retirement income posed by rising elder care costs, the uncertainty surrounding the future of Social Security and Medicare, and the constant threat of inflation. Strategies to help maximize retirement assets will also be covered.
Alternative Investments - Strategies for Sophisticated Investors
This seminar presents different investing alternatives for higher net-worth investors who wish to diversify their portfolio or enhance performance with hybrid products such as hedge funds, private equity partnerships, commodities, derivatives, and real estate.
Asset Allocation: A Strategy for Life
No matter what an individual's age, asset allocation can play a pivotal role in helping him or her achieve financial goals -- with a level of risk that is personally acceptable. The presentation will provide useful asset allocation suggestions for people of all ages.
Asset Allocation: Beyond the Basics
This seminar starts with the concepts underlying asset allocation — but goes a step further, by examining representative portfolios and considering risk metrics, tactical allocations, and other factors that investors should consider when choosing asset categories and specific investments. An ideal presentation for more sophisticated prospects, it includes worksheets as well as detailed speaker notes packed with the information investors need when allocating their portfolios.
Bond Investing: The Basics and Beyond
This seminar makes a great introduction to the world of fixed-income securities. It covers different bond markets, the potential benefits and risks of bond investing, and the different roles that bonds may play in a porfolio. It also explains some of the mechanics of bonds, including how yields are managed.
Building a Strong Financial Future: Strategies for Age 45 to Retirement
The presentation begins with a discussion of retirement savings needs, including estimating Social Security benefits and the impact of inflation. Asset allocation strategies appropriate for workers aged 45 and over are then presented. Next, the presentation outlines some challenges that families may encounter as they pursue building retirement savings and emphasizes the need to make retirement savings a priority. Estate planning considerations and new tax rules are outlined.
Building a Strong Financial Future: Strategies for Ages 20 to 30
A sound financial footing begins with establishing a budget to manage spending and to provide savings for short- and long-term goals. The presentation discusses the importance of creating a budget, managing the use of credit, and identifying financial goals. Next, investment considerations are presented, beginning with a description of asset classes and choosing an asset allocation that is appropriate for the investor’s time frame and risk tolerance, and concluding with an overview of retirement planning.
Building a Strong Financial Future: Strategies for Ages 30 to 45
The presentation begins with a discussion of retirement planning, estimating a retirement savings goal, and choosing an asset allocation based on the investor’s time frame and risk tolerance. Next, participants estimate savings goals for future college costs and review sample investment portfolios for different investment time frames. The last section of the presentation helps participants evaluate their need for life insurance and introduces basic estate planning, including wills and trusts.
Distribution Basics for Employer-Sponsored Retirement Plans
When the time comes to decide how to manage the money accumulated in a retirement savings plan, participants will need to understand their options. Knowing these options will help them take advantage of the tax treatment and investment vehicles that best suit their needs and goals.
Exploring the Roth 401(k)
This seminar is an educational overview of the new Roth 401(k) plan, its potential tax benefits, and the most up-to-date rules and restrictions. The seminar helps investors and plan participants examine tax differences between Roth and traditional 401(k)s, RMD issues, estate planning implications, and much more.
Getting Started: An Introduction to Investing
This seminar introduces participants to the basics of investing. It starts by discussing how investing helps to build net worth, reviews the various types of investments available and the risk/return profile of each, and presents several strategies for managing investment risk, including asset allocation, diversification, and buy-and-hold investing.
Growth Investing for Your Long-Term Goals
Growth investments, be they red-hot start-up firms or well-established blue-chip companies, are geared toward investors with long-term goals. This seminar discusses the specifics involved in maintaining a long-term investment outlook and asset allocation.
How to Finance a College Education
For anyone with children, meeting college expenses may seem challenging, if not impossible. Costs are soaring -- outpacing both inflation and wage growth. This seminar will take a closer look at college costs and provide valuable guidance in developing a strategy that includes saving, investing, and identifying opportunities for financial assistance.
Investing in a Volatile Market
This seminar addresses a critical concern for today’s investor: how to cope with volatile markets. The seminar specifically addresses today’s unique circumstances, and suggests specific strategies to use in choppy markets.
Investment Risk: Don't Avoid It - Manage It!
Risk cannot be avoided when investing -- but it can be managed. The first step in managing risk is to know which types of risk are associated with different investments. Next, investors should evaluate their personal financial and investment goals. Finally, investors should learn about strategies for combining different investments to help control risk in their own portfolios.
Life Insurance for All Stages of Life
Life insurance can play a crucial role in anyone's financial life, regardless of age, income level, or investment acumen. This seminar provides an overview of life insurance — the main types of policies, what type of individual or family each type may be most appropriate for, and the different ways to use life insurance depending on participants' life stage and other factors.
Look Back, Plan Ahead with an Annual Financial Review
A comprehensive annual financial review involves evaluating six "pillars" of financial life — retirement, college planning, investments, estate planning, insurance, and tax planning. This seminar takes participants inside the annual review process and provides a working framework for evaluating their personal financial situations.
Making the Most of IRA Opportunities
More and more, the responsibility for retirement savings belongs to you. As a result, many people today are turning to IRAs and other tax-advantaged investments to help meet their retirement goals. Recent changes to the tax code have expanded IRA options and have made them even more attractive to retirement investors. This seminar will give attendees a solid understanding of the rules governing IRAs and how the new changes can help retirement investors meet their goals.
Manage Your Financial Future: A Seminar for Women
Whether married or single, women face unique financial challenges that can affect their financial security, both now and in retirement. This course will take a look at the basics of budgeting, saving, and investing while addressing the unique needs of women investors.
Options for Small-Business Owners and the Self-Employed
This seminar is designed to help small business owners and self-employed workers map out a plan to fund health care costs, both now and in the future.
Planning for Health Care Costs in Retirement
This seminar will help people to begin planning for what may be their most significant expense in retirment: health care.
Put Your Company-Sponsored Retirement Plan to Work for You
401(k) plans are one of the most commonly used retirement savings vehicles. This seminar discusses ways to maximize a 401(k), highlighting the benefits of tax-deferred growth and explaining loan, rollover, and distribution options.
Retirement Planning: It's Never Too Soon -- Or Too Late -- To Start
As numerous research studies and surveys have found, increasingly people need to plan -- not just save -- for retirement. This seminar examines the changing nature of retirement and the new challenges all retirement investors face. Strategic tips are presented for those just starting to save and those who may need to catch up.
Retirement Plans for Small Businesses and the Self-Employed
Most small businesses do not offer a retirement plan. This seminar explores the benefits a plan can offer the employer, the business itself, and its employees. The major alternatives available are described and compared.
Social Security, Medicare, and Your Retirement
Social Security and Medicare have been frequent news items as of late — and the news has been overwhelmingly negative. Reports of potential insolvency, tax hikes, and increased eligibility ages have generated controversy and confusion. This seminar will explain how Social Security and Medicare work, what is being done to ensure their survival, and how you can plan for your retirement and medical care so that you do not have to rely heavily on either program.
Taking Control of Your Finances: A Plan to Reduce Debt
What's the difference between good debt and bad debt? Why should Americans be saving more? How can someone build savings while paying down credit card debt? How do I begin an investment program? These and other questions are answered in this presentation. Specific strategies are covered.
The Essentials of Estate Planning
To many people, estate planning is a chore that can always be put off until another day. There is the hassle of dealing with a lawyer, making difficult choices, and facing the inevitability of death. While no one enjoys confronting these issues, taking the time to do so now could help family members and loved ones save a great deal of money, aggravation, and confusion later on. The seminar will cover all the basics of estate planning and provide the tools and knowledge to get organized and start planning. Handouts are included.
Trusts and Other Planning Tools
For generations, affluent individuals and families have turned to trusts to help them preserve wealth from generation to generation. But trusts can be complex with many different options and structures, and can be used for much more than wealth transfer or minimizing estate taxes. This seminar will help you learn about how trusts work, some of the typical types of trusts that are regularly used, and how a trust might fit into your estate plan.
Understanding 529 Plans
The 529 college savings plan has changed the way millions of Americans plan and invest for the high cost of a college education. This presentation explores the potential tax benefits of 529 plans, as well as a variety of other features and advantages, including investment options, account control, beneficiary designations, and estate planning strategies.
Understanding Mutual Funds
If you have millions of dollars to invest, the time to research thousands of stocks and bonds, and a knack for knowing when to buy and sell, then you probably don't need mutual funds. But for the rest of us, investing in mutual funds is a proven investment strategy that combines professional management, convenience, and a wealth of choices.
Understanding Retirement Rollover Strategies
This seminar outlines the many potential ways to handle assets in qualified retirement plans when an individual changes jobs or retires. The four common options — cashing out, transferring money to a new employer's plan, leaving money with a former employer, or rolling money into an IRA — are discussed along with the broader retirement and estate planning benefits of Rollover IRAs.
Understanding the Stock Market
Investing in the stock market is a sound, long-term investment strategy that has historically produced better returns than investing in other financial markets. This seminar will cover topics such as the stock exchanges, buying and selling stocks, stock market cycles and key sources of market information. Attendees will leave the session with a solid understanding of how the stock market really works.
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