Financial Planning for Today's Consumer

Introduction 1 Topic

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Course Objectives

Chapter 1 The Components of Financial Planning 11 Topics

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Overview

Risk and Asset Management

Identifying the Goals of the Client

Identifying Financial and Nonfinancial Objectives

Helping Clients Manage Taxes

Helping Clients Plan for Charitable Contributions

Helping Clients Plan for Special Needs

Helping Clients Plan for Higher Education

Helping Clients Plan for Retirement

Helping Clients Plan Their Estates

Helping Clients Transfer Their Wealth

Chapter 2 Gathering Data 5 Topics

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Overview

Data Gathering

Technology

Addressing Emotional Issues and Comfort Zones

Gathering Information

Chapter 3 Analyzing the Data 14 Topics

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Overview

Defining Problematic Issues

Analyzing Needs

Assessing Costs and Benefits of Two-Income Households

Managing Employee Benefits

Consumption Patterns

Expenses as a Ratio to Income

Categorizing Expenses That Are Not Inflationary

Determining Discretionary Income

Considering Tax Issues

Determining the Specific Tax Liability and Marginal Tax Bracket

Categorizing Assets

Understanding Types of Business Structures

Evaluating Business Interests

Chapter 4 Creating Impact Scenarios for Managing Risk 10 Topics

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Overview

Effects on Income

Impact of the Death of Wage Earner(s)

Impact of a Wage Earner’s Disability

Impact of the Loss of Employment

Impact of the Loss or Reduction of Unearned Income

Impact of Contingencies That Can Affect Budget

Impact of an Increase in Taxes

Impact of Inflation

Impact on Assets

Chapter 5 Projecting Values of Current Assets 7 Topics

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Overview

Projected Value of Assets at Target Date of Retirement

Projected Value of Qualified Plans at Target Date of Retirement

Projected Value of Social Security at Target Date of Retirement

Projected Value of Current Assets at Target Date for Educational Funding

Projected Value of Current Assets at Target Date for Special Needs Funding

Evaluate the Feasibility of Goals

Chapter 6 Using Insurance to Manage Risk 15 Topics

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Overview

Health Insurance Needs

Disability Income (DI) Insurance Needs

Long-Term Care Needs

Critical Illness Needs

Participating Whole Life

Universal Life

Variable Life

Survivorship or Last-to-Die Life Insurance

First-to-Die Life Insurance

Single Premium Life

Chapter 7 Planning for College 5 Topics

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Overview

Projecting College Costs

Determining the Target Dates

Variance in College Costs

Funding College Costs

Chapter 8 Planning for Retirement 11 Topics

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Overview

The Three Elements of Capital Accumulation

Defining the Current Status of the Future Targeted Goal

Retirement Planning Techniques

Effect of ERISA on Retirement Plans

Types of Qualified Plans

Individual Retirement Funding

Annuities

Using Life Insurance in Retirement Planning

Survivorship Offset

Business Interests

Chapter 9 Planning for the Estate 10 Topics

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Overview

Ways to Transfer Property at Death

Asset Ownership

Wills and Trusts

Family Limited Liability Companies

Continuation of the Business Interest of the Sole Proprietor

Issues for the Heirs and the Estate of a Partner

Issues for the Heirs and the Estate of a Sole Stockholder

Continuation Plans

Tax Issues

Financial Planning for Today’s Consumer

Course Content

About Instructor

Vivian Taylor

Course Includes

Let’s Get Elite:

Resources

Solutions

About Us

Contact Us

Celevi Headquarters
Frederick, Maryland

hello@celevice.com

Office Hours

Monday to Friday

Saturday

Closed on Sundays

Follow us online

Financial Planning for Today’s Consumer

Course Content

About Instructor

Vivian Taylor

Course Includes

Let’s Get Elite:

Resources

Solutions

About Us

Contact Us

Celevi Headquarters Frederick, Maryland

hello@celevice.com

Office Hours

Monday to Friday

Saturday

Closed on Sundays

Follow us online

Celevi Headquarters
Frederick, Maryland