Despite men often having taken control of the family finances, women now control more of the wealth in the US and that percentage is expected to increase in the next 12 years. Also, many women will likely be the primary decision maker in their family at some point in their lives and a large portion of women will be solely responsible for managing their wealth at some point. Join us for a discussion about the strategies women are using to make even better financial decisions and increase empowerment and confidence levels. The topics we will cover are:

• Ways to offset the gender pay gap, low retirement savings and low Social Security
• Strategies for balancing career, kids, and aging parents
• Ways to improve financial literacy and preparedness of our kids
• Socially Responsible Investing – how to align your values with your investments
• How the Wall Street model fails women and how to still get what you need

Our money down the road can only go to three places: Our heirs, the IRS, or to charity - and many of us have control over how much goes to the IRS. Join us to learn strategies for redirecting what otherwise might go to the IRS to the charities you support. Topics that will be discussed are:

• How to get tax benefits now for gifts that are made to charity sometimes in the future
• How to avoid tax on RMD's (required withdrawals from IRAs and 401k's)
• How to get certain benefits of trusts (probate avoidance, creditor protection, control over when kids get money, etc.) without the costs of setting up a trust
• Donor Advised Funds, Dynasty Trusts, Capital Gains Bypass Trusts

Healthcare is one of the biggest expenses of our lives, and the top expense of retirement, according to AARP. The average 65-year-old couple retiring in 2022 will spend $315,000 in healthcare and medical expenses over the course of their retirement, according to Fidelity. Still, many people don’t do a lot of extensive planning before filing for Social Security and Medicare. But with all the minutiae and technicalities around these processes, it’s essential to take a proactive approach to evaluating the options and how they fit in with your retirement income.

If you have the opportunity to draw on Social Security or enroll in Medicare in the next 10 years, join us for a workshop June 2 at 10am PDT on Maximizing Social Security & Medicare. We’ve partnered with a benefits expert—Laci Moyer Vice President, CFP, RHU—to answer questions about top strategies for optimizing the benefits from both systems, as well as avoiding common mistakes. During the workshop we’ll cover:

• Social Security basics and top strategies like restricted applications, suspending benefits, the “do-over,” and the Survivor Reset
• The various Medicare plans and how they’re different: Part A, Part B, Part D, Medigap, and Part C
• Case studies on the benefit increases our actual clients have seen with these strategies

There is so much money and risk we can help you with strategies for. Our goal is to help you learn how to get the most out of these systems you’ve contributed so much into over your working years.

A significant amount of the wealth in the US is in common retirement plans, such as 401Ks and IRAs. The majority of these monies may be fully taxable as ordinary income. Join us for a discussion around how to help mitigate this future tax issue, by creating Tax Free Retirement Income. We will cover topics such as:

· How to diversify the taxation of your money and reduce long term tax rates.

· Investments that may provide recession-proof income

· 3 Vehicles that may provide Tax Free Retirement Income

· While Roth IRAs have contribution limits of $6,000/year, learn which other vehicles have no limits

It is said that we may be in one of the more difficult times in history to retire, largely because inflation is at 40 year highs, and both stocks and bonds went down simultaneously by double digits for the first time ever. For many of our clients, the goal of creating multiple streams of income that pay to them, regardless of whether they work and regardless of whether we’re in an up or down market, is central to their plan. We will look at major strategies to help you produce more secure, sustainable, reliable, lasting income, that can pay even during times of recession, and that can outpace inflation. We will cover:

· Investments that are producing healthy income

· Investments that may provide recession-proof income

· Investments that produce income that has historically out paced inflation

Many investors around the globe are interested not only in the financial outcomes of their investments-but also the impact their investments may have, and the role their assets can play in promoting certain global issues. Such investors often cite a sense of responsibility to “do good” socially and environmentally and want to align their values with their investing. This is where ESG and impact investing portfolios can come into play. Join us to learn strategies on how to invest in a way that aligns with your values and to learn the benefits of socially responsible and ESG investing.

With college costs rising at a rate double thatof inflation, many kids end up buried in student loans. Join us as we look atthe benefits of planning ahead. We will cover the following topics:

• Expected Family Contribution- how you may qualify for more aid
• “Needs Based” Financial Aid including exploring new tax credits
• Often Missed Sources- Running Start, WUE, Work Study, OneClass
• Way to shelter assets and income
• Tax shelters- 529, Trusts, GET, Education IRAs, Roth IRAs, etc