9:00 am – 10:00 am CST
Buying a Home & Paying off Your Mortgage.
What should you do to prepare to buy a home? How do you check your credit score and how can you reduce your interest rate? Once you have a home, what’s the value of making additional mortgage payments each year? Adviser: Jillian Nel, Legacy Asset Management
10:00 am – 11:00 am CST
Goal Setting & Prioritization.
All good financial planning starts with goal setting. What are your goals for one year, five year, and ten years personally, professionally, and financially? Your individual goals and the timeline in which you want to achieve them will help you create a decision-frame work for if you send that extra dollar to your retirement account or to a gap-year fund. Adviser: Bridget Grimes, Wealth Choice
11:00 am – 12:00 pm CST
Credit Cards, Spending, & Paying off debt.
How much debt do you have? What is your current interest rate and how can you bring it down? What are the biggest buckets of spending that you have? Where can you trim, e.g., by cancelling recurring charges, and how can you automate transfers to savings or loans to hit your goal? Do you have a high-yield savings account? Adviser: Jillian Nel, Legacy Asset Management
12:00 pm – 1:00 pm CST
How much money will you need in retirement? How can you determine whether you are on track? How much should you be saving to be on track? How do you open an IRA and when should you do that versus investing in a company 401K? What are the options from your employer? Adviser: Jillian Nel, Legacy Asset Management
1:00 pm – 2:00 pm CST
401K / 403b & 401K Roll Over.
What are the pros and cons? What are your options (IRA vs. rolling over funds to your new job’s plan)? How do you find the fees in your current 401K or 403b? Facilitator: Eryn Schultz
2:00 pm – 3:00 pm CST
What maternity benefits are out there? What are 2-3 things you should collect or know before you have a baby? How will having a baby impact your career and how can you plan? Advisor: Bridget Grimes, Wealth Choice
3:00 pm – 4:00 pm CST
If you have some excess cash, where should you put it (women generally allocate 7% more assets to cash than men often translating to lower returns)? How should you think about investing your retirement and non-retirement accounts? Outside your 401K, what are the other tax preferred savings options? Facilitator: Eryn Schultz
4:00 pm – 5:00 pm CST
Should you refinance? What are your options to reduce your payments or to pay off early? Facilitator: Eryn Schultz