march 30-31, 2017 equinox resort & spa manchester center, vt financial wellness...

Vermont Bar Association

60th Mid-Year Meeting Seminar Materials

Financial Wellness for You and Your Clients

March 30-31, 2017

Equinox Resort & Spa

Manchester Center, VT

Speaker:

Christine Moriarty, MoneyPeace, Inc.

Christine D. Moriarty www.MoneyPeace.com March 31, 2017

Financial Wellness Review and Action Plan

Would it benefit me to spend more time on my Money?

Do I need to Share my Financial Information with someone close?

Is there Cash for a Safety Account?

Have I reviewed my benefits lately?

Have I the appropriate insurance – home, car, liability and life- at this

point in life?

Has my will been updated?

Where is my Money?

How is it titled?

How are my Financial Advisors compensated?

Are they Fiduciaries?

Am I Comfortable with my Investments?

Next Steps:

_______________________________________________________________

________________________________________________________________

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http://www.moneypeace.com/

Christine D. Moriarty www.MoneyPeace.com March 31, 2017

http://www.moneypeace.com/

1

Discovering The MoneyPeace Connection

Financial Matters Affect Health

Good Health Creates Optimal Living

MoneyPeace.com March 31, 2017

Your PrioritiesYour NeedsYour PlansYour Values


2

Balancing Checkbook Reviewing InvestmentsUpdating Estate PlanConsidering Auto Pays Knowing What You

Need to Live vs. WantDiscussing with Life

Partner or Loved OneConsulting with an

Expert


Is Your Life Partner Your Financial Partner?


Taking Care of Your Needs

Fulfilling Your Wants

Simplifying Your Money Systems

Focusing on What is Important


3

Simplify

Reach Goals

Enjoy Your Life

Do Work You Enjoy


Are Financial Stresses Affecting My Daily Life?



Financial Independence High

Risk

Aggressive Inflation Hedge

Inflation Hedge

Safety AccountCash Reserve

Foundation Savings Risk ManagementWill:Disability:Homeowner/Renter:Auto:Liability:Life:

4

But how much cash do you need?


Income

Spending

Savings

Investments


Self Care

Education

Thinking Ahead

Working With What You Have


5

Pay Yourself First

Develop a Savings Habit

Use Your Energy Wisely


Ask Questions

Expose Yourself to the Financial World

Use Your Benefits

ReadMoneyPeace.com March 31, 2017

Annual Needs

Periodic: Car

One-Time: College

Retirement


6

Retirement Plans: RetirementRetirement Plans:D

` Defined Benefit Pension

Defined Contribution

Insurance: Health, Vision, Dental, Life

Other Benefits: Discounts, Resources


Have I reviewed my benefit plans and deductions recently?


Tax Refunds

Gifts

Unexpected Windfalls

Bonuses


7

Do Not Live Off Your Bonus Money


Bonus Money

Past Present Future


Savings = Cash = Stability

Investments = VolatilityStocksBondsMutual Funds


8

How Do I Have An Investment Strategy or Am I Market Timing ?


March 31, 2017MoneyPeace.com

Dow Jones Industrials

1996: 6,0002006: 12,000 2017: 21,000 or thereabouts

Build An Investment Strategy

Based On AgeAppropriate to Your Goals In Line with Your Risk Tolerance Investments Reflecting Your Values


9


Time Frame Investments

1-2 years Cash

3-8 years Bonds

9 years + Stocks

Time Frame Investments

1-2 years Cash

3-8 years Bonds

9 years + Stocks

1 – 2 years Cash

3-8 years Bonds

9 years or more Stocks

Match Your Goals to Your Money


Specific Goals: Timing Invest


Who? What? Where? When?

What are Do CFP, CFA,ChFC, CLU?

What Are the ABC’s of Investing?

10

Questions to Ask:

Education FeesCompany CompensationCompany Incentives


Your Money, Make Conscious Choices

Plan Attentively

Review Regularly

Live Peacefully



11

Christine Doreen MoriartyFinancial Education through

Workshops, Speaking, Classes & Writing

www.MoneyPeace.com802-453-5913

High

Risk

Aggressive

Inflation Hedge

Inflation Hedge

Safety Account

Cash Reserve

Foundation Savings Risk Management

The Pyramid of Financial

Independence

www.MoneyPeace.com

Will:

Disability/Health:

Homeowner/Renter:

Auto:

Liability:

Life:

FINANCIAL GOALS AND YOUR MONEY

Overall Financial Picture:

Specific Goals: Timing Investment

______________________ _______ _________

______________________ _______ _________

______________________ _______ _________

Next Steps:

________________________________________________________

________________________________________________________

________________________________________________________

MoneyPeace,Inc.

1-802-453-5913

www.moneypeace.com

march 30-31, 2017 equinox resort & spa manchester center, vt financial wellness...

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