Personal Finance Management Seminars

Free of charge

The impact that COVID-19 has had, and unfortunately continues to have on personal finances has been devasting. To assist its surrounding community households' financial management, St. John’s United Methodist Church – Springfield Virginia is offering a complimentary series of finance education seminars. The instructor of these seminars is Brad Duty. Brad is a financial counselor and currently serving as a Wesley Seminary intern to St. John’s.

These seminars will be offered through Zoom. If you and/or someone in your family or neighborhood could use a little guidance on various financial planning topics, then we invite you to join Brad by registering and participating in one, some, or all of these seminars. The first step is to register by filling out the form below and clicking the submit button.

Session 1: Stretching Your Money

Tuesday March 2nd, 7-8:15pm: As many experienced during the Great Recession a decade ago, and the COVID 19 pandemic now, a tight economy can make it a challenge to cover life’s essential expenditures. Even though the economic picture has improved for many, we can apply some lessons from a tough-times budget to our lives for today and tomorrow to put ourselves in an even greater position of financial strength and be ready to weather possible downturns in the future.

Session 2: Developing Your Spending Plan (AKA the Budget)

Tuesday March 9th, 7-8:15 pm: Are you unsure if you’ll run out of money each month? Spending more than what you’re earning? Want to learn how to track and manage your money and understand the crucial balance between spending and saving? We will explain the reasons you should have a financial plan and the 70-20-10 budgeting guideline. We will also talk about important budgeting concepts that will help you create a workable spending plan which is essential to achieve your financial goals.

Session 3: Take Control of Your Finances…Managing Credit and Debt

Tuesday March 16th, 7-8:15 pm:  Do you need to know more about how to establish or manage credit?  Do you need help or a better understanding of eliminating debt? How much debt is appropriate?  Come to this session to learn about debt and credit management, debt-to-income ratio concepts and standards and the importance of monitoring credit reports and credit scores.

Session 4: Saving and Investing

Tuesday March 23rd, 7-8:15pm: Is there a difference? How many different types of accounts are there? Do tax considerations vary? We will cover key terms and then talk about the difference between saving and investing money, different types of savings accounts, the basics of investing, and various investment options such as 401(k)s, and IRAs.

Session 5: Investing for Retirement

Tuesday April 6th, 7-8:15pm Whether you’ve not yet started saving for retirement or you’ve started but you’re not sure if you’re doing it 'right,' come to this session to learn how to get started or how to keep on going!  You’ll learn about conventional retirement accounts like 401K, 403B, TSP and IRA.  What about Roth? Is it a good idea? Should you invest in company offered plans or invest yourself?  Should you invest the minimum or the maximum?  How do you know how much is ‘enough?’

Session 6: Tax Efficient Charitable Giving and the SECURE ACT

Tuesday April 13th, 7-8:15pm Writing a check to a favorite charity or placing cash (or a check) in an offering basket at your church remains the most common method of giving. But is this method the most efficient when you consider tax implications? Whether you give $20/week or $2000/week to charity, come to this session to find out if you are a candidate for an alternative way to give. If you own stock or mutual funds, or if you are over 70.5 in age and have an IRA or 401k-type account, there are ways you may be able to reduce the amount 'given unto Caesar' and maximize the amount given to God.





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