Course Objective: The purpose of this course is to present basic financial principles and current information about financial tools available to help you meet your financial goals.
Virtual format – 90-minute sessions
Dates: Every other Thursday evenings 7:00 p.m. to 8:30 p.m. January 9 – March 5. The last class will be a all day, in-person course on Friday, March 21. The location is to be determined.
Registration fee: $200 *refundable if the registrant attends all courses.
Registration Deadline: December 20, 2024
Daniel B. Spickard, CLTC is a Financial Representative with Lifetime Financial Growth, a registered representative and financial Advisor of Park Avenue Securities LLC (PAS). Over 90% of Dan’s Clients are Medical Professionals including physicians, dentists and pharmacists. Dan also teaches the Personal Finance Course at the Duquesne University School of Pharmacy.
The course is limited to the first 25 registrants.
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Date
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Topic
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Presenter
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Description
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January 9
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Personal Planning - Getting Started
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Daniel B. Spickard, CLTC
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a. Traditional Planning is Broken
b. Types of Planning
c. Building a Financial Team:
- Head Coach (Chief Advisor)
- Insurance Agent
- CPA
- Attorney
- Investment Advisor
- Group Benefits Advisor
- Mortgage Specialist
- Banker
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January 23
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Cash Flow – How does cash actually flow?
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Daniel B. Spickard, CLTC
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a. Cash Flow Concepts – Traditional Planning Trap
b. Cash Flow Planning Trap
- Debt vs. Savings
- Retirement Income
c. Cash Flow Tax Impact
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February 6
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Protection
- If you get sick
- If you get sued
- At Death
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Daniel B. Spickard, CLTC
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- Property & Casualty Insurance
- Auto Insurance
- Home Owners Insurance
- Umbrella Insurance
- Disability Insurance
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February 20
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Estate Planning
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Daniel B. Spickard, CLTC
Nora Curley Peace, Esq.
Rebecca Olds, Esq.
Jeanne Marie Marquette, Esq.
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Basic Estate Concepts and Legal Documents
- Wills
- Living Wills
- Power of Attorney
- Trusts
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March 5
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Assets Investing 101 and beyond
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Daniel B. Spickard, CLTC
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Investing 101
- 401(k) & IRA’s
- Non-Qualified Investments
- Money Markets, CD’s, Bonds & Savings Accounts.
- Stocks, Mutual Funds, Separately Managed Accounts, Exchange Traded Funds, etc.
Real Estate, Starting a Business
Tax Consequences & Opportunities of Investing
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March 21 – In-person course
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Building Good Credit/Purchasing a Home
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Daniel B. Spickard, CLTC
Rick Hughes, Mortgage Sales Manager
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- Having good credit can affect more than your Loan Rates
- Real Estate Financing
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