Be Money Smart
Develop an action plan to have money for the life you choose.
- Improve money management.
- Plan steps to manage expenses.
- Manage credit and debt.
- Manage risk with insurance.
- Evaluate assets and liabilities.
- Create an emergency fund.
- Build savings with tax-smart retirement savings accounts: 403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, and SIMPLE IRA.
- Improve financial records.
- Make your plan with a step-by-step guide
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Grow Savings
Learn to invest with Tax-Smart Retirement and Financial Planning.
- Make your financial/retirement plan with a step-by-step guide by Debbie Mason, a CERTIFIED FINANCIAL PLANNER™ professional.
- Identify goals and savings needed.
- Compare tax-saving account benefits — 401(k)s, 457(b)s, 403(b)s, IRAs, Roth IRAs.
- Estimate income needs and savings growth.
- Estimate retirement income.
- Learn how to invest for short-, intermediate-, and long-term goals.
- Plan for college, long-term care, and estate transfers.
- For Late-Career, plan tax-efficient income — 401(k), IRAs, other.
- Choose Your Course
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203 — Early-Career (Over 25 years to retirement)
Start now to control your financial future. Time is on your side if you start now — small investments have time to grow. Establish sound money management skills. Build an emergency fund. Invest early to put money and time to work.
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202 — Mid-Career (10 to 25 years to retirement)
Don’t procrastinate — it will be hard to catch up. Expand priorities to meet changing family needs. Learn how to manage for short-term goals and invest with a long-term strategy. Maximize contributions to your retirement savings so they can grow before you need them.
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201 — Late-Career (within 10 years of retirement)
Maximize contributions to your retirement savings before you retire. Eliminate remaining debt. Estimate retirement income needs. Learn how to invest for inflation-adjusted lifetime income. Evaluate withdrawal options and potential income from savings.
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Ready to Retire? Tax-Smart Investment and Cash Flow Planning
- Create a tax-smart retirement cash flow plan.
- Learn ways to have more after-tax money to spend.
- Learn how to avoid stealth taxes.
- Learn ways to transfer assets efficiently to heirs.
- Determine retirement income
needed from savings.
- Plan a tax-smart withdrawal strategy from employer-sponsored retirement savings plans and other investments:
403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, and SIMPLE IRA.
- Determine a safe spending rate.
- Determine if Roth conversions would benefit you.
- Learn how to invest for inflation-adjusted lifetime income.
- Learn how to invest and allocate for retirement goals.
- Make your financial/retirement plan with a step-by-step guide.
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Sustainable — always current
for tax laws, returns, plan rules
Self-paced accessible elearning anytime
— no need for seminars