Unity of Delray Beach, 101 NW 22nd St., Delray Beach, Florida
in Mary Kupferle Fellowship Hall
Learning From Recent Events
Stock market realities, how quickly things can go bad, responsible financial planning.
Overcoming Obstacles To Reach A Secure Financial Future:
Our personality and psychology issues; Procrastination and the cost of waiting to save. Unbalanced lives.The Buddhist principle of "the Middle Way", a holistic approach to financial strategies.Societal realities inherent in living in a consumerist society. Irrationality and the need for automatic and simultaneous funding of desired goals to counteract it.
Defining Short, Medium And Long Term Goals:
"The Personal Priorities Pyramid" The Pyramid as a picture of probable financial responsibilities and as a tool for clear thinking. Lists of probable short, medium and long-term goals and the investment vehicles appropriate for the time frame. The "Tax Control Triangle", the key to using the right investment vehicles to control taxes in order to reach goals.
Lifestyle and longevity considerations, income replacement calculations, risk tolerance, types of tax-favored Retirement Savings Plans and Social Security (seen as a Fundamental purpose annuity)
Education Planning Use of appropriate investment tools so not to lose eligibility for financial aid; saving with Roth IRAs, 529 plans, pre-paid tuition plans, gifts to minors, home equity, cash value life insurance.
Protecting Your Goals And Plans
Fundamental purpose of life insurance, financial freedom from known risks, types and uses of life insurance, disability insurance, long term care insurance.
Investing Concepts Stock market history and performance, risk tolerance and time frame, what is long-term investing?, buy and hold?, Asset Allocation
Estate Planning and Late Life Issues
Rosemary Nixon has always been interested in money concepts and money as a means to achieving goals, whether those of individuals, non-profit organizations, or businesses. Although she originally aspired to a career in government and earned a master’s degree in political science and public administration, she ended up serving as executive director of two non-profit organizations for ten years. Fund-raising, securing corporate and government grants and the management of budgets, were her focus as she sought to expand programs and secure support for new initiatives in each organization. After earning an MBA in finance, she went on the work for ten years as a commercial lender for various banks, lending to businesses for inventory, equipment, and acquisitions. She also taught classes in financing and managing new business ventures at two universities. After moving to Florida in 1994, she became a financial advisor with American Express Financial Advisors, (now Ameriprise), licensed for securities and insurance, and committed to financial planning with clients to achieve their personal goals.
Recently retired, her philosophy is that money is just a tool to help people reach their goals. Used wisely, it is a gift. As in so much of life, we need to know where we're going in order to get there. The biggest obstacle to achieving our financial goals is usually ourselves. Her pleasure has always been in helping people to get where they want to go.
For further information, call Unity of Delray Beach at 561-276-5796