FINRA’s BrokerCheck Obtain more information about our firm and its financial professionals

Employee Financial Wellness

Preparing for Retirement 

Planning financially for retirement is anything but easy. You have to determine how much you need to retire, your budget for healthcare costs, the best Social Security filing strategy, and how the tax impact of taking distributions from various retirement sources will effect your planning. In this presentation we will be covering:

  • How to plan expense-wise for retirement
  • How much you need to retire
  • Tax considerations in retirement
  • Social security filing strategies
  • Medicare and healthcare costs
  • Pension decisions
  • Preparing your investment portfolio for retirement
  • The most common mistakes that we see retirees make
  • Managing the risk of a long-term care event

Wills, Trusts, and Estate Planning

Most people realize that they should have a will, health proxy, power of attorney, and in some cases, a trust. Unfortunately, most people don’t get around to creating those documents when a tragedy occurs, causing them to realize that it is too late. If you have parents or grandparents over the age of 70 and think you may be serving as executor or trustee to their estate plan, it’s vital to know how these documents work and what your responsibilities entail. In this presentation we will review:

  • How to establish a will
  • Items that should be included in your will
  • What a health proxy does
  • Power of attorney documents
  • What is a trust and how do they work
  • Estate planning when you have minor children
  • Using trusts to protect assets from long-term events
  • Beneficiary designations on retirement accounts and life insurance
  • Most common mistakes we see people make with their estate planning

Investing 101

Understanding investments is often revered as an intimidating topic. They often seem complex, difficult to understand, and investment terminology can seem like a foreign language. When you understand the basics, however, it allows you to feel more confident about the investment decisions that you’re making as you develop a better understanding of what you’re invested in, thus helping you avoid future investment mistakes. In this presentation we cover:

  • What is a stock?
  • What is a bond?
  • What is a mutual fund?
  • What is an annuity?
  • How does the stock market work?
  • Understanding risk
  • Active management versus passive investing
  • How investing has changed over the past 10 years
  • Lessons from history
  • The most common mistakes investors make

Selecting the Right Investment Advisor

Selecting the right investment advisor can be a difficult task. What quetions should you be asking? How do you compare one investment advisor versus another? Since investment firms vary greatly in the services they offer and their approach to investing, you must find what type of firm is in the best position to meet your needs. In this presentation we will cover:

  • Questions that you should be asking when you interview an investment advisor
  • What the different ways are that investment professionals are compensated
  • How many investment advisors you should interview
  • Using an investment advisor versus self directing your investments
  • What common designations are and what do they mean (CFP, CPA, etc.)
  • The difference between an advisor and a broker
  • How to know when it’s time to fire your advisor
  • How the advisor industry has changed within the last 5 years
  • Avoiding the Ponzi Scheme
  • The most common mistakes that people make when selecting an advisor

The Best Strategies for Paying Down Debt

Debt comes in all shapes and sizes and it’s not uncommon for someone to have student loans, a mortgage, a car loan, home equity loan, credit card debt, and/or a business line of credit. It is important to have the right plan to payoff your debt as soon as possible. Some of our debt payoff strategies may surprise you, but they work. Paying off your debt does not have a uniform solution. The strategy that you use should take into account your age, level of debt vs income, the type of debt that you have, debt relief programs that are available, and your other personal financial goals. In this presentation we will cover:

  • Strategies for paying down debt
  • How much debt is healthy
  • Should you make extra payments toward your mortgage?
  • How do you balance paying back debt vs your other financial goals?
  • Negotiating down your debt balance
  • Student loan relief programs
  • Interest rate considerations
  • Debt in retirement
  • Discussing debt with your spouse
  • The most common mistakes peole make when paying for debt

Employee Stock Options, Restricted Stock , Employee Stock Purchase Programs, and Taxes and Exercise Strategies

Employee stock options and restricted stock are great benefits for employees. However, employees often have difficulty understanding how these benefits work, how the benefit will be taxed, and advanced strategies that financial planners and accountants use to reduce the tax liability when it comes time to invest or exercise options. This presentation will cover the following:

  • Understanding restricted stock
  • Incentive stock options
  • Non-qualified stock options
  • Tax impact of options and restricted stock
  • Strategies for reducing the tax liability
  • The impact on college financial aid
  • Knowing when it’s time to sell
  • Managing a concentrated holding
  • Employee Stock Purchase programs
  • The most common mistakes employees make when exercising options and restricted stock

Google, SEO, and Creating a Blog that Results in More Clients 

This might seem like an odd topic for a financial planner to be presenting on, but I have been on the same journey that many business owners have been on; trying to attract more prospects to their company via google search, blogging, and social media efforts. In September 2017, we only had 100 new visitors a month coming to our website, so we sought out the top specialist on search and SEO and had them personally train us in each discipline. By February 2018, we had over 40,000 new visitors coming to our website a month. In years past, we had only grown from traditional marketing referrals, and word-of-mouth, and this new source of prospects is now growing exponentially and producing results beyond just attracting new clients. In this presentation I will cover:

  • Why traditional marketing is dying
  • understanding google search
  • New trends on how people are seraching for information
  • new SEO tactics that work
  • Elements that you need to build your digital voice
  • What we learned on our journey to 40,000
  • Software and resources
  • Maximizing your time
  • The winning structure for blog articles
  • Measuring results
  • Going it yourself or hiring professionals
  • The long tail strategy
  • Creating a niche: perception is reality
  • Don’t assume you know how people are searching for you

 College Savings Strategies & The FAFSA Process 

The cost of college continues to rise, creating a real financial challenge for parents as they try to piece together a plan that will allow their children to obtain a college degree without graduating with the mind numbing levels of student loan debt that everyone keeps hearing about in the news. Couple this with the new FAFSA rule changes that now look back two years at income and assets, an environment has been created that requires parents to develop a solid proactive plan to help their children pay for college. Parents that wait to develop a plan in their child’s junior or senior year of high school are realizing that they are too late, and sometimes very little can be done to alter the financial aid picture going into the first two years of college. During this presentation we will review:

  • College cost trends
  • Strategies for savings for college
  • 529 college savings plans
  • Tax benefits associated with certain college savings accounts
  • How FAFSA works
  • Strategies for increasing financial aid
  • The New York State Free Tuition Program
  • Student loan forgiveness programs
  • How divorce can impact the FAFSA process and college savings
  • The most common mistakes people make as the college years approach 

Other Speaking Engagement Categories 

As Published In 

(Visited 80 times, 1 visits today)

Investment advisory services offered through Greenbush Financial Group, LLC. Greenbush Financial Group, LLC is a Registered Investment Advisor. Securities offered through American Portfolio Financial Services, Inc (APFS). Member FINRA/SIPC. Greenbush Financial Group, LLC is not affiliated with APFS. APFS is not affiliated with any other named business entity. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.