Our Mission

The mission is to help individuals and families to make healthy financial decisions to secure their future. Empower them with the necessary resources and training needed to effectively support them and their families in working together toward greater well being. 

Classes

This gives you an in-depth look at the psychological factors that affect how we handle our personal finances. The first topic discusses how money is tied to human needs and emotions. A second section explores how and by whom we are influenced when developing our money management habits, and how to find qualified information sources. Then the concept of behavioral finance is presented, and you will examine your own attitudes, beliefs, and behaviors related to personal finance. The Model of Behavior Change is explained in Topic 4.4, defining the six stages we go through as we progress toward adopting positive money management habits. The final topic offers an introduction to financial goal-setting – how to write good goals, break them down into achievable action steps, and track progress.

This chapter introduces the basic aspects of budgeting and how budgeting benefits your progress toward attaining your desired lifestyle and reaching your financial goals. You will understand how savings forms the foundation of your financial planning, and learn the components of a savings plan. In a further topic, you will comprehend the importance of evaluating every purchase based on whether it is a “need” or a “want” and know how to calculate opportunity cost. As the chapter continues, you will be introduced to the three primary types of expenses and tactics for reducing monthly payments toward those expenses. Action steps for creating a solid budget and automating financial accounting systems to facilitate regular review and revisions are provided. The last two topics in the chapter cover the processes involved with two major expenses individuals typically encounter during their lifecycles.

This chapter covers the essentials of how to set up and manage accounts with a financial institution, and why and how to establish a trusted team of financial advisors. The first topic guides you in selecting the financial institution that matches your needs and goals. Then you are introduced to the process of setting up a central system to automate all your account transactions, which helps you save money and protect your credit. In a third topic, you learn the differences between debit cards and credit cards and how that information relates to your personal finance management. Finally, you will understand why having a trusted team of advisors is important to your financial future, and know-how to select your team members.

This container focuses on credit, how credit affects your personal financial situation, and how to get and maintain good credit. First, you receive an overview of the term ‘credit’ and how it is applied. Then you will understand the value of having a good credit history and situations that can have a negative impact on your credit. You will be introduced to the components of your credit profile – credit history and credit score – and how they are derived. You will learn how to obtain a copy of your credit report, review your credit score, and create a credit plan. Strategies and actions for addressing errors on your credit report and improving your credit score are presented. Finally, the types of identity theft are discussed, along with ways to prevent and handle situations where your identity is stolen. ​

Nearly all citizens are subject to various forms of taxation by their governments. Taxes represent a sizable component of most people’s budgets but often are overlooked because they usually are deducted automatically. This chapter covers the various types of taxes one should consider for financial planning purposes. The first topic provides an overview of taxes and why it’s important to find a trusted tax professional to help file your government tax returns. Mandatory income taxes, including those imposed by federal, state, and local governments, are discussed in the second topic. Consumption taxes – levied upon the purchase of goods and services – are the topic of the next section, followed by the various taxes to which investments may be subjected. Finally, the concept of inflation is presented and the importance of calculating the effects of inflation when developing a budget and investment strategy

The current work environment has become increasingly globalized and competitive, and these rapid changes to the employment landscape mean that lifelong learning to expand and refresh one’s job skills has become essential. This chapter helps people evaluate options for higher education and how to fund one’s learning path. To get you started, the first topic guides you to consider various educational options that align with your goals and passions. In the second topic, you will learn how to evaluate higher education decisions as investments, using tools investors commonly employ to compare investment options. The third section offers a plan to budget for higher education across three phases: initial expenses, in-school, and post-graduation. Next, multiple funding sources to pay for college education are detailed, along with ways to create a higher education funding plan. The final topic discusses the ins and outs of student loans and strategies to plan for paying off any student loan debt post-graduation

Most people must establish some source of income in their lives. This chapter covers various ways to generate income, along with some strategies for securing and possibly supplementing one’s income. The first topic discusses finding fulfilling work in alignment with one’s dreams and passions. In the second section, we cover the rapid, recent advances in globalism and technology that affect job and income security. The third topic presents steps individuals may take to maximize their earning potential, including considering benefits as part of a total compensation package, evaluating and enhancing one’s position in the job market. The next section expands on these strategies by discussing how to obtain salary increases from current employers and methods for seeking out and obtaining new employment opportunities. Finally, the chapter concludes with a topic about ways to find additional active income streams including second jobs, freelancing, and starting one’s own business

Most people must establish some source of income in their lives. This chapter covers various ways to generate income, along with some strategies for securing and possibly supplementing one’s income. The first topic discusses finding fulfilling work in alignment with one’s dreams and passions. In the second section, we cover the rapid, recent advances in globalism and technology that affect job and income security. The third topic presents steps individuals may take to maximize their earning potential, including considering benefits as part of a total compensation package, evaluating and enhancing one’s position in the job market. The next section expands on these strategies by discussing how to obtain salary increases from current employers and methods for seeking out and obtaining new employment opportunities. Finally, the chapter concludes with a topic about ways to find additional active income streams including second jobs, freelancing, and starting one’s own business

Most people must establish some source of income in their lives. This chapter covers various ways to generate income, along with some strategies for securing and possibly supplementing one’s income. The first topic discusses finding fulfilling work in alignment with one’s dreams and passions. In the second section, we cover the rapid, recent advances in globalism and technology that affect job and income security. The third topic presents steps individuals may take to maximize their earning potential, including considering benefits as part of a total compensation package and evaluating and enhancing one’s position in the job market. The next section expands on these strategies by discussing how to obtain salary increases from current employers and methods for seeking ou and obtaining new employment opportunities. Finally, the chapter concludes with a topic about ways to find additional active income streams including second jobs, freelancing and starting one’s own business. 

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