financialEd

=Financial Education Interest Group=

**Maximize your income & legacy, minimize taxes and manage risk & volatility **

The group meets monthly on the 2nd Wednesday at 10 a.m. at Caffe Pergolesi, 418 Cedar St., Santa Cruz, to discuss Financial Planning and the pros and cons of specific financial strategies, options, investments, risk management and financial and protection products. Each session is open to any member who would like to present to the group, but the leader will be prepared to present on the specified topics.

General session format:

Sessions lasting 90 mins – 2 hrs including presentation and group discussion including members’ shared knowledge, experience and opinions of the session topic. Basic tax strategies will be discussed for most topics*. The goal is a frank exchange of views and a shared base of knowledge.

Each session will focus on a predetermined topic. This will allow us to delve into the details of some of the more complex financial issues. The group may determine that some topics justify multiple sessions.

Other Planned topics include:


 * Estate planning – Estate taxes. Leaving a legacy, wills, trusts, power of attorney, health care directive.
 * Making your money last your lifetime – Achieving a successful retirement
 * Potential effects of diminished capacity – LTC costs and risk management options
 * Gifting – Charitable giving & gifting to children/grandchildren
 * Tax diversification – The tax control triangle, Roth IRA, Municipal Bonds, & CVLI
 * Investment strategies — Risk vs. reward, diversification, asset allocation, dollar cost averaging, etc.
 * Personal Finance Basics: Retirement planning, risk management, wealth accumulation & distribution
 * Fixed income – Bonds, annuities, pensions ; Discussing options and strategies
 * Advisors & Resources
 * Additional topics open to suggestion.

Group Leader
Steve Edmonds, 338-3106. Send mail to Steve.


 * Note from Steve Edmonds:

I am **not** a tax consultant or attorney and I will advise the members to seek these professionals for specific advice on tax and law related topics.

I am a Registered Representative licensed to buy and sell securities for my clients. I am also licensed in the states of CA & OR to sell Life and Long Term Care Insurance and annuities. I work directly with New York Life.

It is **not** my intention to sell or to influence this group buy investment or insurance products from me. If anyone from the group expresses an interest in learning more about working with me in a professional capacity, we would meet separately from the group for a complimentary consultation.

Steve Edmonds Financial Services Professional Registered Representative offering securities through NYLIFE Securities LLC (member FINRA/SPIC) 13125 Hazel Ave. Boulder Creek, CA 95006 Home Office: 831-338-3106 Cell: 831-246-4630 saedmonds@ft.newyorklife.com [|www.newyorklife.com]
 * Agent, New York Life Insurance Company **

include page="ToJoinThisGroup" media type="custom" key="3012580"