1. FINANCIAL PLANNING IN YOUR FUTURE A SEMINAR PRESENTED BY DR. AA NEIDERMEYER

2. SEMINAR TOPICS INITIATE A PFP PERSPECTIVE DEVELOP A PLANNING BASE ESTABLISH A SEQUENCE OF GOALS PROTECTION ACCUMULATION FOR ???? TAX PLANNING RETIREMENT PLANNING ESTATE PLANNING ACTION !!!!

3. INITIATION OF A PFP PERSPECTIVE ATTITUDE TOWARD MONEY WILLINGNESS TO ASSUME RISK AWARENESS OF YOUR PERSONAL SITUATION WILLINGNESS TO ACTIVELY MANAGE YOUR ALTERNATIVES

4. DEVELOPMENT OF A PLANNING BASE ESTABLISHMENT OF A PERSONAL BUDGET: ACTUAL / IMPLICIT DETERMINATION OF PERSONAL BALANCE SHEET DOCUMENTATION OF THE ABOVE IN WRITTEN FORMAT

5. ESTABLISH GOALS GOALS SHOULD BE BOTH TIME- BASED AND QUANTIFIED IN DOLLAR TERMS (IF POSSIBLE) GOALS SHOULD BE ACHIEVABLE BENCHMARKS SHOULD BE UTILIZED TO MEASURE PROGRESS

6. REPRESENTATIVE GOALS $4,000 FOR A VACATION IN SUMMER PAYOFF CHARGE CARD DEBT WITHIN 12 MONTHS ESTABLISH A 2 MONTH EMERGENCY FUND WITHIN 18 MONTHS RETIRE A MILLIONAIRE AT AGE 55

7. PROTECTION AGAINST PREMATURE DEATH DISABILITY MEDICAL CARE PROPERTY LIABILITY UNEMPLOYMENT

8. PROTECTION AGAINST PREMATURE DEATH PERSONAL HEALTH AWARENESS INSURANCE ENTITLEMENT PROGRAMS BUY-SELL AGREEMENTS PENSION BENEFITS

9. PROTECTION AGAINST DISAB ILITY EMPLOYER-PROVIDED POLICIES SELF-PROVIDED POLICIES POLICY CONSIDERATIONS: DEFINITION OF DISABILITY WAITING PERIOD BENEFIT PERIOD

10. PROTECTION AGAINST MEDICAL EXPENSES EMPLOYER-PROVIDED BASIC AND MAJOR MEDICAL POLICIES PARTICIPATION IN WELLNESS PROGRAMS AWARENESS OF THE STOP-LOSS PROVISION OF EXISTING POLICIES

11. PROTECTION AGAINST PROPERTY LOSSES / LIABILITY RISKS: -OWNERSHIP -RENTALS -HIRING -CONTRACTS -VOLUNTEER ACTIVITIES

12. PROTECTION FROM LOSSES COORDINATION OF LIABILITY COVERAGE UNDER EXISTING INSURANCE POLICIES UMBRELLA LIABILITY POLICY RESTRICT INVOLVEMENT

13. PROTECTION AGAINST UNEMPLOYMENT DIVERSIFICATION OF EMPLOYMENT BACKGROUND CREATE / EXPLOIT A NICHE NETWORK CONTINUOUSLY ENGAGE IN SELF- IMPROVEMENT ACTIVITIES

14. ACCUMULATION

15. ACCUMULATION FOR AN EMERGENCY FUND FAMILY PURPOSES RETIREMENT ????

16. ACCUMULATION MODES REGULAR BANK VEHICLES FIXED - DOLLAR INVESTMENTS VARIABLE - DOLLAR INVESTMENTS COMMODITIES COLLECTIBLES MATTRESS

17. FIXED-DOLLAR INVESTMENTS CERTIFICATES OF DEPOSIT PREFERRED STOCK BONDS

18. VARIABLE - DOLLAR INVESTMENTS MUTUAL FUNDS COMMON STOCK REAL ESTATE ANNUITIES COMMODITIES

19. TAX PLANNING

20. TAX PLANNING TECHNIQUES CONSIDER THE TAX CONSEQUENCES OF EACH INVOLVEMENT TRY TO MAINTAIN OPEN - FACT TAX SITUATIONS LOOK FOR AVAILABLE EXCLUSIONS / DEDUCTIONS

21. RETIREMENT PLANNING

22. THE THREE Y’S YOUR OUTLOOK YOU LOOK AT OTHERS YOU LOOK AT YOURSELF

23. RETIREMENT PRESSURES FINANCIAL BOREDOM LACK OF COMMUNICATION HEALTH THREAT OF THE UNKNOWN

24. RETIREMENT TIMING EARLY MANDATORY VOLUNTARY FLEXIBLE

25. STEPS TO AN ACTIVE RETIREMENT RECREATION HOBBIES TRAVEL RELAXING SOCIALIZING PROPER FINANCING

26. RETIREMENT FINANCING ESTABLISH YOUR NEEDS EARLY FUND YOUR ANTICIPATED NEEDS PACE YOUR ENJOYMENT OF EACH OF THE ABOVE

27. ESTATE PLANNING

28. ESTATE PLANNING PRINCIPLES STIPULATE WHO WILL RECEIVE WHAT WORK TO REDUCE TRANSFER COSTS PROVIDE NECESSARY LIQUIDITY FOR THE ESTATE DECIDE WHO WILL ADMINISTER

29. KEY PLANNING VEHICLES DRAFT / EXECUTE A WILL EXECUTE A POWER OF ATTORNEY EXECUTE A LIVING WILL EXECUTE A PRE-PLANNED FUNERAL ARRANGEMENT

30. ACTION

31. REQUIRED FOLLOW-UP IMPLEMENT YOUR CHOSEN PLANNING TECHNIQUES MONITOR PERIODICALLY TO ASSURE MOVEMENT TOWARD CHOSEN ENDS