FREE Financial Literacy Seminar

Join Trilogy Physical Therapy for this series of four FREE financial literacy seminars. These seminars will go over financial wellness, insurance and risk planning, homeownership and real estate investing, and finally saving and investing for wealth building. Each seminar will be presented by a guest speaker.

Seminar Dates

• Session 1: Starting Out: Financial Wellness 
  Tuesday, January 25th, 2022
• Session 2: Insurance and Risk Planning
  Tuesday, February 15th, 2022
• Session 3: Real Estate – Home Ownership & Real Estate Investing
  Tuesday, March 8th, 20222
• Session 4: Saving and Investing for Wealth Building
  Tuesday, March 29, 2022

Please see the details for each seminar below, or use the button to download the full outline. Then use the form at the bottom of this page to register for all four sessions (you only need to register once).

This series of four seminars is offered to third year Doctor of Physical Therapy (DPT) students.

Session 1: Starting Out: Financial Wellness 

Tuesday, January 25th, 2022
6:30 PM – 7:45 PM
Presenter; Jake Rosen

Setting a Foundation for Financial Wellness  

1. Financial Wellness is having a positive relationship with your money
2. Make financial decisions from a position of control and not worry
3. Budgeting helps with clarity and control – Consider using the 50/20/30 rule: 50% on needs, 20% on goals, 30% on wants. (UBS Budget Worksheet Included)
4. Emergency Fund – What makes you comfortable? $1,000, $10,000, 3-6 Months of expenses
5. Credit and Debt
   1. The Power of Credit
   2. The Pitfalls of Debt
   3. Debt reduction plans – 
      1. Snowball Method  (Snowball Worksheet Included)
         1. List all debts except mortgage
         2. Payoff smallest balance first and snowball payments onto next smallest balance
      2. High Interest Debt Method
         1. List all debts 
         2. Payoff highest interest debt first
      3. Student Loan Strategies
6. Plan your savings and your goals with a budget – saving for purchases
7. Saving and Investing for Wealth Building 
   1. Use the right accounts for the right goals
   2. Consider entrepreneurship 
   3. Minimize taxes
8. Accountability Partner

Session 2: Insurance and Risk Planning

Tuesday, February 15th, 2022
6:30 PM – 7:45 PM
Presenter: Michael Sperrazza

1. Must have insurance (auto, health, life, disability)
   1. How deductibles affect premiums
   2. Term vs whole life
   3. Disability: employer funded vs self-purchase
2. As assets grow (renters, homeowners, long term care)
3. Will; why you should have one

Session 3: Real Estate – Home Ownership & Real Estate Investing

Tuesday, March 8th, 20222
Presenter: Keri Callochia Esq.

1. Home ownership: build equity, hedge for inflation, grows tax deferred
2. Mortgages; types of pros and cons
3. Home Equity Line of credits: pros cons
4. Do the math; 15 yr vs 30 yr mortgage
5. Real Estate Industry: who are the players and what does that cost
   1. Real Estate Agents, Bankers, Attorneys, Taxes and Govt fees
6. Real Estate as an investment: pros and cons

Session 4: Saving and Investing for Wealth Building

Tuesday, March 29, 2022
6:30 PM – 7:45 PM
Presenter: Ian Deluke

Wealth building 101

1. Compound interest and the benefits of starting early
2. How do I allocate my savings?
3. Retirement Savings – Tax Efficient
   1. 401(K) and Roth 401(K)
   2. IRA and Roth IRA
   3. Other employer-based retirement plans
4. Taxable Savings and Investing
   1. Taxable Public Market Investing
   2. Entrepreneurship
   3. Private Real Estate
   4. Private Equity
5. A bucketing and overflow framework
6. Investing 101
   1. The power of credit and debt in investing
   2. Starting out – Public Market Investing
   3. Emerging Affluent – Public and Private Market Investing
   4. Wealthy Investor – Preservation and Maximization
   5. Tax minimization
7. Estate Planning
   1. Beneficiary Designations
   2. Wills and Trusts
   3. Durable Power of Attorney
   4. Healthcare Power of Attorney
   5. Letter of Intent
   6. Guardianship Designations
8. PT Financial Case Study

Register Today!