At FlagStone we believe that providing both our existing clients and future clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time. Below you will find a growing list of both retirement and general financial topics that we have generated seminars around.

You can book any of these topics on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this IRA Early Withdrawal personal web seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

IRA Early Withdrawal – Free Seminar Sample

IRS Rule 72(t), Who Should Consider rule 72(t), General Rule of Thumb, How Long 72(t) needs to be in place, Calculation Methods, Weighing the Choices.

Internal Revenue Code Section 72(t): Section 72(t) states that distributions from qualified retirement plans (IRAs, employer-sponsored retirement plans) may be subject to an additional 10% federal income tax penalty on the amount of the distribution included in the individual’s gross income. However, IRA distributions taken for any of the following reasons will generally avoid that penalty.

Distributions: Taken after age 591/2; Taken due to death; Taken due to disability; Taken for a qualified first-time home purchase up to a lifetime maximum of $10,000; Rolled over or transferred to another IRA; Taken to pay medical expenses in excess of 7.5% of adjusted gross income (AGI); Made by unemployed individuals for the payment of health insurance premiums, subject to certain restrictions; Made to pay qualified higher education expenses; or Taken as part of a series of substantially equal periodic payments

Other IRA early withdrawal questions this workshop will help answer:

How can I avoid the 10% early withdraw penalty for withdrawing money from my IRA? What happens if I take more out of my IRA after I have already started a 72(t) distribution? What methods are used to calculate my 72(t) distribution? Is there any way to avoid the penalty for breaking my 72(t) distribution? How is my 72(t) distribution calculated? If I am under the age of 59 1/2 can I take money out of my retirement account without being penalized? At what age can I start withdrawing money from my IRA? Can I have more than one 72(t) program at the same time? How long do I have to follow the rules outlined by 72(t)?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this Preparing for a Layoff seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Preparing for a Layoff – Free Seminar Sample

If you are concerned about a possible layoff or downsizing, then you need to attend the Preparing for a Layoff workshop.

When a company goes through layoffs, there are usually two phases that affect an employees physique, the Pre Layoff Phase and the Post Layoff Phase. In this workshop we will go over a check list everyone needs to review if they have concerns about layoffs.

The Definition of a Layoff:

Is the temporary suspension or permanent termination of employment of an employee or (more commonly) a group of employees for business reasons, such as the decision that certain positions are no longer necessary or a business slow-down or interruption in work.

Other Preparing for a Layoff questions this workshop will help answer:

Find out what options you have if faced with a layoff. Find out what questions to ask you HR department if faced with a layoff. What questions should you ask about Health care? What questions should you ask about you 401(k) and pension? How to move forward after a layoff.

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this social secuirty seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

What is Social Security? – Free Seminar Sample

History of Social Security, How do you Qualify for Social Security, Age Charts on When to Collect, Cost of Living Adjustments, How Working Affects your Benefits, How to Read your Statements.

How do you Qualify for Social Security?

Other social security questions this workshop will help answer:

When was Social Security Started? How do you qualify for Social Security? How old do you have to be in order to collect Social Security? If I collect at age 62 how much is my benefit reduced? What is COLA? What happens if get a job after I start collecting Social Security? Can I stop my Social Security Payments once I start to receive my payments? If I am employed after receiving Social Security benefits, how much can I earn with a reduction in my benefits?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this ROTH IRA Conversion seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

ROTH IRA Conversion – Free Seminar Sample

Types of IRA’s, How a Roth Conversion Works, When Converting May Not be Appropriate.

Converting Your Retirement Assets to be Tax- Free:

Roth IRA withdrawals come out tax-free. And if you transfer or “convert” other retirement money to a Roth IRA, that too can eventually be withdrawn tax-free.

There is a cost for this freedom. You must pay income taxes on the money you transfer (excluding nondeductible traditional IRA contributions and eligible after-tax employer plan contributions). And that tax bill can be considerable.

Other ROTH IRA conversion questions this workshop will help answer:

What is an IRA? What is a Traditional IRA? What is a Roth IRA?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this retirement education seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Retirement Education – Free Seminar Sample

Saving Plan Options, Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

As the length of retirement increases, preparing for tomorrow has never been so important.

There will be an estimated one million people age 100 or above in the U.S. by 2030, compared to just 60,800 in 2007. (US Census Bureau)

Personal investing and participation in an employer-sponsored plan are becoming an essential part of successful retirement planning.

The distribution and consumption of these retirement assets can drastically reduce your future retirement income by terminating the long-term effects of tax-deferred compounding.

Other retirement education questions this workshop will help answer:

What are sources of retirement income? How much can  employees contribute to their company savings or retirement plan? How much will my company contribute in matching contributions to the Savings Plan? What are typical investment options in a company savings plan? Can I take a loan out of my company savings plan? What is the maximum loan amount that I can take out of my company retirement account? What is an In-service withdraw? What is Internal Revenue Code 72(t)? How long do I have to follow the rules of 72(t)?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this 401k Rollover seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

401k Rollover – Free Seminar Sample

Source of Retirement Income, Separation of Service, Choices Available to You, Distribution Options, IRA Rollovers, Rule 72(t)

The Choices Available for Your Retirement Plan Money:

Take a Cash Distribution From Your Employer’s Plan

Leave Your Money in Your Employer’s Plan

Roll Over Your Distribution to an IRA

Other 401k Rollover questions this workshop will help answer:

What are the different sources of Retirement income? What is Separation from Service? What happens if I take a cash distribution from my 401k, or company savings plan? How can I avoid the 10% early withdraw penalty for taking money out of my retirement account? If I retire from my company can I leave money inside my 401k or do I have to withdraw it from the plan? Can I roll over some, or my entire 401k to an IRA? What are the benefits of a Rollover IRA? What is Separation from Service? If I separate from my current employer, can I withdraw money out of my 401k?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this identity theft seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

What is Identity Theft? – Free Seminar Sample

What is Identity Fraud, Problems with Identity Fraud, How to Fight Identity Theft

Other questions this workshop will help answer:

What is Identify Fraud? What is the difference between identity Fraud and Identity Theft? What does it mean to have your identity stolen? How serious of a problem is Identify Fraud? How is Identity Theft reported? What types of problems stem from Identity Theft? How can I guard myself against Identity Theft? What does a Fraud Alert do for me? What is a credit Freeze? What is Credit Monitoring? How can a Credit Monitoring Service help me against Identity Fraud? What things can I do today to help me guard against Identity Fraud? What is a Phishing e-mail?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this will and estate planning seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

* Seminar will be scheduled with estate attorney Avery Teitler, Esq. and will require confirmation of his availability.

What is a will? – Free Seminar Sample

Three basic estate planning documents: Last Will and Testament Power of Attorney Living Will

Other will and estate planning questions this workshop will help answer:

What is an Estate Plan? Who needs an Estate Plan? What is a Will? Who should have a Will? Why do I need a Will? What is a Living Will? What is Power of Attorney? What does a Will do? Can a Will be revoked? Can I create my own Will? What makes a Will Valid? Who can be a Power of Attorney?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this credit score topic on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

What is a credit score? – Free Seminar Sample

A credit score is a numerical expression based on a statistical analysis of a person’s credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information, typically sourced from credit bureaus.

A measure of credit risk, usually for a consumer, calculated from credit information using a standardized formula typically sourced from credit bureaus.

Other credit score questions this workshop will help answer:

Who are the credit bureaus? What does FICO stand for? What is a FICO score? How can I raise my FICO score? What is a good Credit score? How is my credit score determined? What is a credit inquiry?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this basics investment seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

What is a stock? – Free Seminar Sample

A type of security that signifies a percentage ownership indicated in shares of the corporation and represents a claim on part of the corporation’s assets and earnings.

There are two main types of stock: common and preferred. Common stock usually entitles the owner to vote at shareholders’ meetings and to receive dividends. Preferred stock generally does not have voting rights, but has a higher claim on assets and earnings than the common shares. For example, owners of preferred stock receive dividends before common shareholders and have priority in the event that a company goes bankrupt and is liquidated.

Also known as "shares" or "equity". A holder of stock (a shareholder) has a claim to a part of the corporation’s assets and earnings. In other words, a shareholder is an owner of a company. Ownership is determined by the number of shares a person owns relative to the number of outstanding shares. For example, if a company has 1,000 shares of stock outstanding and one person owns 100 shares, that person would own and have claim to 10% of the company’s assets.

Stocks are the foundation of nearly every portfolio. Historically, they have outperformed most other investments over the long run. (Investopedia.com)

Other stock or basic investment questions this workshop will help answer:

What is a Stock? What is a Bond? What is a Variable Annuity? What is a Municipal bond? What is an Equity? What is a Mutual Fund? What is an ETF? What is a REIT? What is an UIT? How do Fee Accounts work?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this financial documents seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Financial Documents – Free Seminar Sample

How to make a plan, Planning to Stay or Go, Documenting your Belongings, Resources to Utilize.

Family Emergency Plan:

Identify an out-of town contact.

Be sure every member of your family knows the phone number and has a cell phone, coins, or a prepaid phone card to call the emergency contact.

Teach family members how to use text messaging (also knows as SMS or Short Message Service).

Subscribe to alert services. Sign up by visiting your local Office of Emergency Management web site.

Other financial document questions this workshop will help answer:

Why should I plan for a Disaster? Should a disaster occur do you have a plan? Does everyone in your immediate family know what do you in the event of a disaster? Are all your important documents in a central location, and safe? If there is an emergency who are you going to call? Do you know your emergency contacts phone numbers? Do you have copies of your important documents stored away from your home?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this life insurance audit seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Life Insurance Audit – Free Seminar Sample

What is a Life Insurance Audit?, Why an Audit is Necessary?, The Audit Process, Case Examples

The Audit was created to provide consumers with an objective evaluation of their life insurance.

Thoroughly scrutinizes every detail of the client’s in-force coverage in order to identify potential areas of improvement.

Carefully compare the current policy against the best available products in the market today

An effective way for advisors to enhance resources, limit liability, generate revenue and advance client trust

Other life insurance audit questions this workshop will help answer:

What is Risk Assessment? What is a Life Insurance Audit? What does a Life Insurance Audit Show? What does a Life Insurance Audit explain? What does a Life Insurance Audit uncover? How much does a Life Insurance Audit cost? Why is a Life Insurance Audit Necessary? What is Mortality? What is a Mortality expense? What is an Inforce Ledger?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this UPS 401k seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

UPS 401k – Free Seminar Sample

UPS, United Parcel Service, 401k and Savings Plan Options, Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

UPS Savings Plan: Trustee – State Street Bank and Trust Company Trustee for the QSOP- Mellon Trust Plan Record keeper- CityStreet Vesting- 100% vested in their employee account at all times

Other UPS 40k and Savings Plan questions this workshop will help answer:

What are sources of retirement income? Who is Mellon Trust? Who is CityStreet? How much can UPS employees contribute to their Savings Plan? How much does UPS contribute in Matching contributions to the Savings Plan? What are the investment options inside of the UPS Savings Plan? Can I take a loan out of my UPS Savings Plan? What is the maximum loan amount that I can take out of my UPS Savings account? What is an In-service withdraw? What is Internal Revenue Code 72(t)? How long do I have to follow the rules of 72(t)?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this basics investment seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Verizon Pension – Free Seminar Sample

Verizon Saving Plan Options, Verizon Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

Call our office to find out more about this and many other workshops we offer to help people be better educated about financial matters.

Verizon Savings Plan:

• Fidelity Investments is the current benefits administrator for the Verizon Savings Plan.
• You “vest” or gain ownership in Verizon Company contributions to your account after three years of service.
• Eligibility – You are eligible to enroll in the Verizon Savings Plan if you are a regular, term or temporary, full time or part-time associate (non-salaried) employee of Verizon.
• You are immediately eligible to enroll in the Savings Plan as soon as you begin your employment with Verizon.

  Other Verizon Savings Plan & Pension questions this web seminar will help answer:

  What are sources of Verizon retirement income? Who is Fidelity? How much can Verizon employees contribute to their Savings Plan? How much does Verizon contribute in matching contributions to the Savings Plan? What are the investment options inside of the Verizon Savings Plan? Can I take a loan out of my Verizon Savings Plan? What is the maximum loan amount that I can take out of my Verizon Savings account? What is an In-service withdraw? What is Internal Revenue Code 72(t). How long do I have to follow the rules of 72(t)

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this Valero Pension seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Valero Pension – Free Seminar Sample

Valero Pension Plan Options, Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

• Valero Energey Corporation Savings Plan:
• Trustee – Merrill Lynch Bank & Trust Co.
• Vesting – 100% vested in their employee account at all times
• 5 year vesting in employer account (20% per year for 5 years)

Other Valero pension questions this workshop will help answer:

• What are sources of retirement income?
• Who is Merrill Lynch Bank & Trust Company?
• How much can Valero employees contribute to their Savings Plan?
• How much does Valero contribute in Matching contributions to the Savings Plan?
• What are the investment options inside of the Valero Savings Plan?
• Can I take a loan out of my Valero Savings Plan?
• What is the maximum loan amount that I can take out of my Valero Savings account?
• What is an In-service withdraw?
• What is Internal Revenue Code 72(t)?
• How long do I have to follow the rules of 72(t)?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this XEROX Pension seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

XEROX Pension – Free Seminar Sample

XEROX Pension Plan Options, Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

Personal investing and participation in an employer-sponsored plan are becoming an essential part of successful retirement planning.

The distribution and consumption of these retirement assets can drastically reduce your future retirement income by terminating the long-term effects of tax-deferred compounding.

Other XEROX pension questions this workshop will help answer:

What are sources of retirement income? How much can  employees contribute to their Savings Plan? How much does Xerox contribute in Matching contributions to the Savings Plan? What are the investment options inside of the Valero Savings Plan? Can I take a loan out of my Xerox Savings Plan? What is the maximum loan amount that I can take out of my Xerox Savings account? What is an In-service withdraw?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this PSEG Pension seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

PSEG Pension – Free Seminar Sample

PSE&G Pension Plan Options, Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

As the length of retirement increases, preparing for tomorrow has never been so important.

PSE&G Pension Plan:

Administrator – Benefits Express ( Hewitt)

Vesting – 100% vested in their employee account at all times100% Vested in Employer match after 6 months

100% Vested in Employer match after 6 months

Other PSEG Pension questions this workshop will help answer:

What are sources of retirement income? How much can  employees contribute to their Pension Plan? How much does PSE&G contribute in Matching contributions to the Pension Plan? What are the investment options inside of the PSE&G Pension Plan? Can I take a loan out of my PSE&G Pension Plan? What is the maximum loan amount that I can take out of my PSE&G Pension account? What is an In-service withdraw? What is Internal Revenue Code 72(t)? How long do I have to follow the rules of 72(t)?

At FlagStone we believe that providing both our existing clients and prospective clients with accurate financial education information on your schedule, from the comfort of your home or office, that we can be a convenient financial resource that will earn your trust one answer at a time.

You can book this Lockheed Martin Pension seminar on your schedule, based on our availability. Then, we will conduct a one on one session with you via our web conference software and walk you through the topic information at a pace that works for you, making sure that our answers are clearly understood by you. If you have any additional topic ideas, please let us know and we would be happy to accommodate your education needs.

Lockheed Martin Pension – Free Seminar Sample

Lockheed Martin Pension Savings Plan Options, Company Matching, Loans, Withdraws, Options Available at Retirement, IRS Rules, How to Rollover your Account to an IRA, 72(t) Rules, Social Security.

As the length of retirement increases, preparing for tomorrow has never been so important.

Lockheed Martin Retirement Plan:

Personal investing and participation in an employer-sponsored plan are becoming an essential part of successful retirement planning.

The distribution and consumption of these retirement assets can drastically reduce your future retirement income by terminating the long-term effects of tax-deferred compounding.

Other Lockheed Martin Pension questions this workshop will help answer:

What are sources of retirement income? How much can  employees contribute to their Savings Plan? How much does Lockheed Martin contribute in Matching contributions to the Savings Plan? What are the investment options inside of the Lockheed Martin Savings Plan? Can I take a loan out of my Lockheed Martin Savings Plan? What is the maximum loan amount that I can take out of my Lockheed Martin Savings account? What is an In-service withdraw? What is Internal Revenue Code 72(t)? How long do I have to follow the rules of 72(t)?