You can create personal action plans with step-by-step guides provided by
Debbie Mason, a Certified Financial Planner™ professional

Customized for these employer-sponsored retirement plans

401(k) plans for small to large for-profit organizations.
Individual 401(k) plans for sole proprietors or partners with no common-law employees (employees other than an owner, business partner, or shareholder of a corporation and their respective spouses.)
Simplified Employee Pension (SEP) IRAs for any business
SIMPLE IRAs for businesses with 100 or fewer employees
401(k) plans for small to large for-profit and non-profit organizations.
403(b) plans for health care, academic, and tax-exempt organizations (e.g., hospitals, nursing homes, charitable institutions, school systems, colleges/universities.)
457(b) plans for state and local government entities and agencies, including public schools, and some tax-exempt organizations.
401(a) retirement plans for government agencies, educational institutions, and nonprofit organizations.

Be Money Smart

Develop an action plan to have money for the life you choose.

Improve money management.
Plan steps to manage expenses.
Manage credit and debt.
Manage risk with insurance.
Evaluate assets and liabilities.
Create an emergency fund.
Build savings with tax-smart retirement savings accounts: 403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, and SIMPLE IRA.
Improve financial records.
Make your plan with a step-by-step guide

Grow Savings

Learn to invest with Tax-Smart Retirement and Financial Planning.

Make your financial/retirement plan with a step-by-step guide by Debbie Mason, a CERTIFIED FINANCIAL PLANNER™ professional.
Identify goals and savings needed.
Compare tax-saving account benefits — 401(k)s, 457(b)s, 403(b)s, IRAs, Roth IRAs.
Estimate income needs and savings growth.
Estimate retirement income.
Learn how to invest for short-, intermediate-, and long-term goals.
Plan for college, long-term care, and estate transfers.
For Late-Career, plan tax-efficient income — 401(k), IRAs, other.

Choose Your Course: 203 — Early-Career (Over 25 years to retirement)

Start now to control your financial future. Time is on your side if you start now — small investments have time to grow. Establish sound money management skills. Build an emergency fund. Invest early to put money and time to work.

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202 — Mid-Career (10 to 25 years to retirement)

Don’t procrastinate — it will be hard to catch up. Expand priorities to meet changing family needs. Learn how to manage for short-term goals and invest with a long-term strategy. Maximize contributions to your retirement savings so they can grow before you need them.

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201 — Late-Career (within 10 years of retirement)

Maximize contributions to your retirement savings before you retire. Eliminate remaining debt. Estimate retirement income needs. Learn how to invest for inflation-adjusted lifetime income. Evaluate withdrawal options and potential income from savings.

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Ready to Retire? Tax-Smart Investment and Cash Flow Planning

Create a tax-smart retirement cash flow plan.
Learn ways to have more after-tax money to spend.
Learn how to avoid stealth taxes.
Learn ways to transfer assets efficiently to heirs.
Determine retirement income needed from savings.
Plan a tax-smart withdrawal strategy from employer-sponsored retirement savings plans and other investments:
403(b), 457(b), 401(a), 401(k), IRA, Simplified Employee Pension (SEP) IRA, and SIMPLE IRA.
Determine a safe spending rate.
Determine if Roth conversions would benefit you.
Learn how to invest for inflation-adjusted lifetime income.
Learn how to invest and allocate for retirement goals.
Make your financial/retirement plan with a step-by-step guide.

Sustainable — always current
for tax laws, returns, plan rules

Self-paced accessible elearning anytime
— no need for seminars

Courses for: U.S. Government | U.S. Military | Business, Local Government, Schools, Tax-Exempts | Retirees