Educational Courses

Our Mission

We provide high quality financial education to help students understand their finances, and make better financial decisions for their retirement.

The Dodd-Frank act, which fundamentally changed Wall Street, formed a commission to better understand the level of financial literacy among American Consumers. The commission’s findings showed a startling lack of understanding of financial concepts, and strongly suggested financial literacy education for adults.

The Educational Courses we offer were developed specifically to educate students about financial terms, concepts, and strategies in a classroom setting giving them tools they need to make smart decisions about their financial future. Each of the courses are presented in an easy-to-understand format and cover all the bases to help you plan for your retirement.

Asset Allocation & Modern Portfolio Theory

  • Planning your investments against interest rate, inflation, and market risks.
  • Planning that you don’t outlive your money.
  • Utilizing Asset Allocation to plan to meet your short, mid, and long term goals.
  • Putting the financial pieces in place.

Estate Planning

    • Distribution of estate, wills, and trusts.
    • Specific estate planning strategies.
    • The purpose of estate planning.
    • Avoiding probate.

Exploring Your Options for a Quality Retirement

  • Looking at your options at distribution time from a company retirement plan.
  • Understand the impact of erosion through inflation & taxation.
  • Proper steps in reviewing 401K performance.
  • Why plan design is critical.

Financial Blunders – Lessons We Never Learn

  • How to avoid losing up to 40% of your retirement plan on the day you walk away.
  • How naive we are in understanding the market…great opportunities, great risks.
  • How to “preserve” and “protect” our assets against a plunging market.
    The bank: is it the place to “save” money?

Getting Fiscally Fit

  • Basic principles of cash management.
  • Roadblocks to financial success.
  • Accumulating wealth.
  • The importance of having a financial blueprint.
  • Locating & maximizing discretionary income.

Getting Your Financial House in Order

  • What is “debt roll down” and how it works for the average consumer buried in debt.
  • Different financial tactics to pay down or pay off your home mortgage early.
  • How to use your tax refund to possibly eliminate debt.
  • The pros and cons of the bi-weekly mortgage.

Investing Basics for Women

  • Know yourself – identifying your characteristics.
  • Some of the risks and returns of investing.
  • Budgeting and debt management.
  • The different types of investments.
  • Planning for your retirement.

Investment Concerns in a Fragile Market

  • The U.S. Economy is heating up, learn how to grow your money wisely.
  • Why “down” markets create investment “opportunities” for the wise investor.
  • The “cash flow” eliminator, spending before planning is “terminal” to investing.
  • Do you know what you’re doing when you invest?

Is a Roth IRA Right for You?

  • How to reduce your Social Security income included as taxable income.
  • How to provide heirs with a lifetime of income tax-free distribution.
  • Strategies to help reduce the impact of the conversion tax.
  • How to reduce your future income taxes.

Life Insurance and You

  • Life Insurance 101.
  • Who needs Life Insurance?
  • What are the types of Life Insurance?
  • How can Life Insurance be used?
  • How do I file a claim?

Preparing for Long Term Care

  • Who pays for Extended Care?
  • What is Extended Care?
  • Who may need Extended Care or Long Term Care insurance?
  • What about Medicaid or Medicare?

Roth IRA – America’s Next New Tax Break

  • Avenue to shield Social Security income from taxation.
  • Protect retirement and beneficiary assets from RMD’s.
  • Create tax risk diversifications in retirement.
  • Advanced tax and estate management.

Social Security Explained

  • Type of benefits are you eligible to receive.
  • Difference between full retirement age and delayed retirement.
  • Filing for benefits.
  • Retirement planning strategies.
  • Annuity type distinction.

Women Approaching Retirement and Beyond

  • Life insurance & Long Term Care insurance.
  • Planning for your retirement.
  • Women and money.
  • Divorce and widowhood.
  • Retirement planning.
  • Estate planning.
  • Risk management.

Strategies for a Sustainable Income in Retirement

  • Establish retirement goals.
  • Estimating retirement income.
  • Tax advantaged savings vehicles.
  • Investment considerations.

Taking Control of Your Cash – Eliminating Debt

  • Tips on how to stop living paycheck to paycheck.
  • Answer questions about your financial future.
  • Useful information to aide in eliminating debt.
  • Strategies when developing a budget.

Tax Planning

  • The impact of taxes on investment qualified plan distributions.
  • Most common tax mistakes made by most people.
  • Formula for determining one’s tax liability.
  • Tax planning vs. tax preparation.
  • Current tax law changes.

Understanding 401K Rollovers

  • Why is this so important?
  • Evaluating and understanding your options.
  • Your choices when facing job changes.
  • Evaluating the risks and rewards of all your available options.
  • Benefits of the Asset Allocation.


Your local Instructor is an active participant in the financial services industry and has been taught the proper objectivity necessary to raise students’ overall financial literacy about investments and planning strategies. Instructors approved by SOFA are dedicated to following the directive of the Dodd-Frank Act which is; to improve the financial literacy of adult Americans.

Linda Jensen

As your Instructor, I’m devoted to helping improve the financial literacy of adults 50 and over who are concerned about their retirement savings and how to ensure a safe, secure future. Our approach to financial planning differs markedly from the typical Wall Street approach because it considers all available options rather than just the narrow band that is traditionally touted by Wall Street and its representatives. Since circumstances vary by individual, one size does not fit everyone’s investment needs. Therefore, students are taught how to construct a financial plan for investing that fits their exact needs yet can be altered without pain should changing conditions warrant.

In each of our courses we examine and discuss investment choices and highlight the strengths and weaknesses of your options. I do not advocate shortcuts or secrets to wealth or investment gains but rather a conservative approach that fosters predictability, stability and availability to match the current and future needs of the individual. At the end of our courses students will have learned there is no “right” or “wrong” strategy, but rather “suitable” and “unsuitable” investments and “too large” and “too small” percentage allocations to otherwise suitable options for their individual circumstances.