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"Financial education can be compared to a road
map to the American Dream, I believe that we need
to teach All Americans the necessary tools to read
that map, so they can reach the Dream."
Former Secretary of the Treasury Paul O’Neill
Recent surveys demonstrate that financial illiteracy
is widespread in the United States cutting across
age, race, gender, income, and education demographics.
Fundamental concepts such as developing a budget,
understanding a credit report, comprehending the
principle of compound interest and the effects of
inflation are not understood by vast numbers of
Americans.
Illiteracy in matters of finance has serious consequences
on economic behavior, in particular with regard
to participating in and understanding the complexity
of retirement plans. Is it any wonder that 26% of
eligible employees do not participate in their plan,
that over 50% do not diversify appropriately, and
48% simply cash out when leaving their company,
submitting usually unknowingly, to the payment of
taxes and penalties?
Our series of seminars addresses the primary concepts
of Financial Literacy as well as topics of interest
expressed to our educators by employees across the
country:
- How to Create a Budget/Strategies of Saving
- Debt Consolidation
- How to Read, Monitor, and Improve Your Credit Report
- Understanding Your Company's Retirement Plan
- College Planning
- The Role of Insurance in Financial Planning
- Types of Mortgages/How to Qualify
- Tax Issues - Homeowners, Retirement Savings, Estate Planning
- Financial Issues of Divorce
- Pre-Retirement Issues/When Can I Afford to Retire?
Our facilitators are professional educators with
backgrounds in the chosen topic. We pride ourselves
on our knowledge of the subject matter and also
on our ability to use ‘real’ language
and an informal approach that connects effectively
with every audience. These are interactive, hands-on
workshops in which attendees are given information,
tools, a step by step process, individualized attention…….and
we make it fun!
Seminars may be selected individually or as a series.
For pricing and details please contact us at 413
348 0555 or LovejoyAssociates@comcast.net. |
"Lovejoy Associates was extremely effective in
narrowing the subject matter to a concise, understandable
presentation. I really understand a lot more and
have been able to utilize my new knowledge in my
investment allocations."
Employee,
Software company in Massachusetts
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