Our course schedule is comprehensive and on-going. We are constantly updating this schedule, so be sure to check back periodically to see which works best for you. If you wish to register for any educational course(s), or to hear which course options and topics are available, give us a call at our office:  (856) 988-9113

At First American Financial, our philosophy is built upon a desire to educate our clients. We offer a variety of courses. We do so because we recognize the significance in cultivating our clients’ knowledge of the financial planning process. Participating in these classes give attendees a chance to learn in a collaborative, dynamic way.

For your convenience, our courses are located at (and sponsored by) local school districts such as Mount Laurel, Rancocas Valley, and Lawrenceville. Because of this, we like to donate the entire nominal class fee back to the schools.

Financial Strategies for Successful Retirement® introduces you to concepts and strategies that may help you spend your retirement comfortably and in control of your finances. This informational seminar will focus on money management strategies and lifestyle issues facing retirees. You will hear strategies that could help you manage your investments and retirement plan. The seminar will also discuss the effects of inflation and the possible costs of long-term care. The information is designed to help you prepare for a comfortable retirement.

Meet Our Presenters & Learn More

William Eldridge CHFC CLU

Mr. Eldridge has earned the Chartered Life Underwriter and Chartered Financial Consultant designations and has been practicing in the financial services field for over 25 years. He is a partner in First American Financial, LTD, our office is in Marlton, New Jersey.

Bill is a guest speaker and instructor for various organizations providing financial education.

Donald Del Monte CFP CHFC

Mr. DelMonte has earned the CERTIFIED FINANCIAL PLANNERTM professional certification and a Chartered Financial Consultant designation and has been practicing in the financial services field for over 25 years. He is a partner in First American Financial, LTD, our office is in Marlton, New Jersey.

Don has previously served as an adjunct instructor for the American College and is also a guest speaker and instructor for various organizations providing financial education.

Financial Strategies for Successful Retirement® Classroom Instruction on Money Management

Hear what you may need to know about these retirement planning issues and more: Determining how much money you may need to retire, potentially controlling your health-care costs, using 401(k)s and IRAs to potentially reduce current income taxes and help save for retirement, understanding sound investment strategies and alternatives, transferring your estate to the loved ones and charities of your choice and understanding your long-term care options.

Key Retirement Planning Issues

Financial Strategies for Successful Retirement® introduces you to concepts and strategies that may help you spend your retirement comfortably and in control of your finances. This informational seminar will focus on money management strategies and lifestyle issues facing retirees. You will hear strategies that could help you manage your investments and retirement plan. The seminar will also discuss the effects of inflation and the possible costs of long-term care. The information is designed to help you prepare for a comfortable retirement.

Your presenter provides information that is current, comprehensive, and noncommercial. The seminar has been carefully designed to provide the information you may need, without overloading you with unnecessary financial jargon.

An Optional Personal Plan and Consultation

You will be provided with a Personal Financial Data Form and step-by-step instructions for developing a written summary of your finances. This form may help you develop a written summary of your assets, income, and Social Security and pension benefits. At your discretion, you may submit this to your presenter, who will review it. You are entitled to an optional, one-on-one consultation after the conclusion of the seminar. This is your opportunity to ask specific questions regarding your financial future and goals and to go over the financial data form if you submitted it.

Teaching Format

Financial Strategies for Successful Retirement® has been created to provide personal money management education. A “hear it, see it, read it, write it” teaching method makes it possible for you to understand and retain the information covered. The content in the workbook you receive corresponds with the presentation materials to illustrate key financial concepts. The seminar offers practical exercises and examples that you may be able to apply to your situation. The class is enlightening and exciting. Attendees may participate and are encouraged to ask questions.

Who Should Attend

This course may be for you if you are nearing retirement, already retired, or beginning to develop
a retirement plan and are interested in hearing concepts and strategies that may help you make appropriate choices when confronted by investment alternatives, insurance coverage, increasing health care costs, tax reduction methods, and proper disposition of your estate at death. Retirement planning is for everyone and it is never too late to begin.

From a Leader in Personal Financial Education

Financial Strategies for Successful Retirement was developed by a leader in personal financial education, Successful Money Management Seminars, Inc. Over 4 million people have attended seminars developed by this publisher.

Sponsored by Corporations, Organizations, and Colleges Throughout North America

Offered throughout the United States and Canada by trained, licensed professionals. The seminars have been sponsored by over 1,800 corporations, 1,200 organizations, and 1,800 educational institutions.

10 IMPORTANT FINANCIAL QUESTIONS FOR RETIREMENT PLANNING

1. Can I retire early?
Determine whether you can afford to retire early and how much money and income you may need to do so.

2. How can I plan for a
comfortable retirement?

Hear the nine steps that may help you prepare for a comfortable retirement.

3. Are there ways to help reduce the effects of inflation?
Hear strategies that may help you maintain your purchasing power.

4. How can I develop my
financial objectives?

Hear concepts that could help you determine your financial goals and develop a sound retirement strategy.

5. How can I put my money to work?
Hear how inflation and taxes take their toll on low-interest accounts and steps that may help you reduce their effects.

6. How can I potentially reduce my taxes?
Hear strategies that could help you reduce the total amount of money you pay in taxes each year.

7. How can I use stocks, mutual funds, bonds, and other investment vehicles?
Hear about the characteristics of various equity investments, including common stock, preferred stock, and mutual funds. Also hear about cash alternatives.

8. Are there ways to potentially reduce my exposure to financial risk?
Hear strategies and concepts that may help you make informed investment decisions and develop a portfolio that is designed to help manage risk.

9. What can I do to help reduce my health care costs?
Hear about possible health care options, the details of Medicare and Medicaid, and long-term care.

10. How can I provide for my heirs?
Hear about the major contributors to estate devaluation, how to potentially reduce estate taxation, and how to transfer your estate to the heirs and charities of your choosing.

Mutual funds, ETFs, variable annuities, and variable life insurance are sold by prospectus. Please read the prospectus and consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the mutual fund, variable annuity contract, or variable life insurance policy and the underlying investment options, can be obtained from your financial professional.

COURSE TOPICS

Financial Basics
Retirement income: Perception and reality, nine reasons people fail financially in retirement, using credit wisely, making compounding work for you, inflation, your income taxes, your investments and taxes, impact of income taxes and inflation, earning real rate of return, making your money last

Your Retirement Income
Sources of retirement income, Social Security and you, the value of tax-deferred contributions
Personal retirement plans • Traditional IRAs • Roth IRAs,
employer retirement plans, taking money out of employer retirement plans, required minimum distribution/withdrawal rules, choosing your retirement plan beneficiary, retirement checklist

Investments
Emergency reserves, traditional cash reserves, debt and equity investments • Bonds • Stock, stock market fluctuations, obtaining professional management, mutual funds, mutual funds for retirement income, tax-deferred annuities, variable life insurance policies, asset allocation

Risk Management
Ways to potentially help manage risk, health insurance and Medicare, disability income insurance, long-term care • Paying for long-term care • long-term care insurance, changing life insurance needs, types of life insurance, pension maximization using life insurance, survivorship life

Estate Planning
Importance of estate planning, planning for incapacity, distributing assets at your death
• Direct transfer assets • Joint ownership • Trusts • Probate • Your Will, taxes and your estate • Federal unified gift and estate tax rates
• Providing money for estate transfer costs

Optional Retirement Planning Consultation
Everyone who attends this course is entitled to a personal retirement planning consultation after the course.

There is no assurance provided that the financial concepts and strategies discussed will provide investment success. Investments are subject to market luctuation, risk, and potential loss of principal. Actual results depend on many factors as discussed in the seminar. Past performance is no guarantee of future success.

COURSES HAVE BEEN OFFERED THROUGH

Corporations
Bayer Corporation, Pittsburgh, PA
Borden, Inc., East Syracuse, NY
Dialogic, Parsippany, NJ
General Motors, Cleveland OH
Goodyear Tire & Rubber Company, Houston, TX
Hitachi Computer Products, Santa Clara, CA
Hughes Corporation, Westchester, CA
Isuzu Motors, Whittier, CA
James River Corporation, Lexington, KY
Kaiser Permanente, Riverside, CA
Lockheed Management Association, Fort Worth, TX
Lockheed Martin, Cocoa Beach, FL
Novell, Provo, UT
Peabody Company, St. Louis, MO
Savannah Foods & Industries, Savannah, GA
Star Tribune. Minneapolis, MN
UNISY S Corporation, Mission Viejo, CA
Warlow Manufacturing Co. St. Louis, MO

Organizations
AAA Missouri/S. Illinois/ Ark./Kansas, St. Louis, MO
AFL-CIO Union Center Inc., Albert Lea, MN
Acton Faith Bible Church, Acton, CA
Allen County Public Library, Fort Wayne, IN
American Red Cross of Arlington County, Arlington, VA
American Lung Association, Greensboro, NC
Antelope Valley Christian Center, Lancaster, CA
Antioch Church of the Nazarene, Overland Park, KS
Boy Scouts of America, Salt Lake City, UT
Brighton Parks & Recreation, Rochester, NY
Canaan Baptist Church, St. Louis, MO
Catholic Charities, Portland OR
Center for Arts & Technology, Phoenixville, PA
Child Abuse Council, Moline, IL
Christ United Methodist Church, Independence, MO
City of Malibu, Malibu, CA
City of Los Alamitos Recreation, Los Alamitos, CA
City of Portland Portland ME
City of Scottsdale Parks & Recreation, Scottsdale, AZ
Duarte Chamber of Commerce, Duarte, CA
Fraternal Order/Police Lodge 8, Virginia Beach, VA
GM Men’s Club, Warren, MI
Shell Credit Union, Houston, TX

Educational Institutions
Bowling Green State University, Bowling Green, OH
California State University, Chico, CA
Central Michigan University, Mount Pleasant, Ml
Cerritos College, ‘forwalk, CA
Collin County Community College, Plano, TX
Colorado State University, Fort Collins, CO
Harding University, Searcy, AR
Houston Community College, Houston, TX
Indiana University/Purdue University, Fort Wayne, IN
Kent State University, Canton, OH
Lakeland Community College, Kirtland OH
Notre Dame College, South Euclid OH
Oregon State University, Corvallis, OR
Penn State University, Altoona, PA
Pennsylvania College of Technology, Williamsport, PA
Spalding University, Louisville, KY
University of West Georgia, Carrollton, GA
Texas State Technical College, Harlingen, TX
University of Arkansas, Fayetteville, AR
University of Tampa, Tampa, FL
Western Oregon University, Salem, OR
Yakima Valley Community College, Yakima, WA

These locations represent a partial list. Appearing on the list does not indicate an endorsement of the local instructor or the advisory services provided to the instructor’s clients.

Here are some facts about retirement in America that may surprise you: 

Only 18 percent of American workers are very confident that they will have enough money for a comfortable retirement. 1 

Only 44 percent of workers have tried to calculate how much money they will need to save for retirement. 2 

42 percent of workersare not confident they will have enough money to pay medical expenses. 3 

68 percent of Americanslack confidence in Social Security s ability to continue to provide benefits that will match or exceed today’s benefits. 4 

(1-4) Employee Benefit Research Institute, 2014

Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners, Ltd. and First American Financial, LTD are separate entities from LPL Financial.

WHAT YOU WILL RECEIVE

Informative Instruction
The course material is presented in a clear, easy-to-understand, interesting format in an informal, enjoyable classroom setting.

Seminar Workbook
The colorful workbook contains practical exercises and examples to help you learn and remember the material covered during the seminar. You will be able to use the workbook as a reference tool for years to come.

Personal Financial Data Form
Step-by-step instructions are provided for developing a written summary of your assets, income, and Social Security and pension benefits.

Optional Planning Consultation
You are entitled to an optional private consultation after the conclusion of the seminar. This is your opportunity to ask specific questions regarding your financial future and goals.

WHAT YOU WILL NOT RECEIVE

During this course you will be presented with objective and factual information, without any references to specific financial products. All illustrations and examples will be generic. To best address the needs of all attendees, your instructor will discuss specific products or services you wish to learn more about only at your optional personal retirement planning consultation.

REGISTRATION INFORMATION

Your Instructors
This seminar is presented across North America by financial services professionals. They not only draw upon real-life experiences with numerous clients, they are also licensed in the areas of investment securities and insurance. Your local instructors are William Eldridge and Donald DelMonte, Registered Representatives and Investment Advisor Representatives of L.P.L. Financial. Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners, Ltd. and First American Financial, LTD are separate entities from LPL Financial.

Tuition
You may pay your tuition in advance or at the first classroom session. Regardless of when you pay, you must enroll in advance. You may pay with a check. Make check payable to Stratos Wealth Partners. Tuition is $49. Your spouse or a guest may be enrolled at no extra cost.

A CLASS TO HELP YOU PLAN YOUR RETIREMENT

Curriculum includes: 

• Investments

• Taxes

• Pension Options

• Social Security & Medicare

• Estate Planning

Retirement Lifestyle Options and More…

Hear What You May Need to Know About These Retirement Planning Issues & More:

• Determining how much money you’ll need to retire.

• Potentially controlling health care costs.

• Using 401(k)s and IRAs to potentially reduce current income taxes and help save for retirement.

• Understanding sound investment strategies and alternatives.

• Transferring your estate to the loved ones and charities of your choice.

• Understanding your long-term care options.