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

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

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

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

2022 was certainly a challenging year for investors with the worst inflation in four decades, record breaking interest rate hikes by the federal reserve, and the fear of recession causing losses across most major market indexes. Some leading economic indicators are now pointed towards recession and the war in Ukraine continues to increase the threat of a global recession. On the other hand, some believe the recession is already “priced-in” to the market and that there are many reasons to be optimistic for a robust recovery, even if we do experience recession in 2023.

Our investment team is hosting a market update on what is expected for the economy. Plus, we’ll share strategies you can use to protect yourself from and take advantage of this volatility. We will cover many topics, including the following:

- How can we prepare our financial plans for the next virus

- Leading indicators –12 things that have historically foreshadowed recessions and what they are now saying

- Strategies to hedge your goals from the volatility

- Strategies to take advantage of the volatility

-Tax mitigation strategies to consider before April 15th

If you’re like the average American, you spend more on taxes than food, clothing and housing combined. And, if you’re like the average American, you pay a higher tax rate than many billionaires. Why not take a page from the playbook of some of the wealthiest families in the world, and adopt amore proactive approach to your taxes?

That’s what this free Year-End Tax Strategy workshop is all about. Join us to learn top strategies to take advantage of before the yearends. We’ll share what we believe is the most comprehensive and actionable framework for helping you move past where most taxpayers exist, which is in the misery of simply “letting taxes happen”.

In this complimentary session, we’ll cover the following topics:

· How to get tax benefits from the volatility of the stock market

· The “window” of time we have before tax rates go up

· “Stacking” deductions in 2022 for a potentially bigger tax break

· How some taxpayers get tax deductions for buying certain SUVs

· Required Minimum Distributions – how to reduce or even avoid the tax on required distributions from IRAs and 401ks

· How to put in $20,000 above the typical 401klimit through catch-up and after-tax contributions

· How the backdoor Roth IRA works

· How to set up a Tax Holiday

· Whether to use your HSA or FSA

· Whether to do upstream or downstream gifting to take advantage of lower tax brackets

Special Guest: Trent Trailov, CEO, Trail CPA joining us for Q&A discussion

If you’re like the average American, you spend more on taxes than food, clothing and housing combined. And, if you’re like the average American, you pay a higher tax rate than many billionaires. Why not take a page from the playbook of some of the wealthiest families in the world, and adopt amore proactive approach to your taxes?

That’s what this free Year-End Tax Strategy workshop is all about. Join us to learn top strategies to take advantage of before the year ends. We’ll share what we believe is the most comprehensive and actionable framework for helping you move past where most taxpayers exist, which is in the misery of simply “letting taxes happen”.

In this complimentary session, we’ll cover the following topics:

· How to get tax benefits from the volatility of the stock market

· The “window” of time we have before tax rates go up

· “Stacking” deductions in 2022 for a potentially bigger tax break

· How some taxpayers get tax deductions for buying certain SUVs

· Required Minimum Distributions – how to reduce or even avoid the tax on required distributions from IRAs and 401ks

· How to put in $20,000 above the typical 401k limit through catch-up and after-tax contributions

· How the backdoor Roth IRA works

· How to set up a Tax Holiday

· Whether to use your HSA or FSA

· Whether to do upstream or downstream gifting to take advantage of lower tax brackets

Special Guest: Trent Trailov, CEO, Trail CPA joining us for Q&A discussion