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One of the most challenging financial aspects of retirement, especially for people who have been diligent savers throughout their working years, is taking required minimum distributions (RMDs) from their tax-deferred retirement savings accounts (e.g., 401(k)s/403(b)s, TSP, SEP, Traditional IRA) beginning at age 72. RMDs can have a significant impact on a retiree’s income tax liability. New RMD tables went into effect in 2022. This workshop will discuss basic facts about RMDs, the new IRS life expectancy tables, tax implications, tax withholding for RMDs, tax penalties for incorrect RMDs, ways to reduce the tax impact of RMDs, and options for using money that is withdrawn from tax-deferred retirement savings accounts.
The late New York City mayor Ed Koch was known for his trademark query "How am I doing?" as he asked people for feedback on his progress at the helm of America's largest city. Some people feel the same way about their finances and are looking for personalized assessments of their strengths and weaknesses and/or comparisons to other people in similar circumstances as themselves. This class will discuss 25 resources, techniques, and metrics to assess clients’ individual/household financial health. It covers a wide variety of personal finance topics that are linked together because they are all associated with some type of financial progress assessment or measurement of financial health.
This class was requested by a MTP student at the May 2024 Curriculum Kick-off. He noted that his wife and other older women are too dependent on their husbands to make investment decisions and need a basic investing class. While many people start investing during their working years, some “newbie” investors are older adults, often widowed and divorced people who deferred investment decisions to others for decades.
This class will provide a basic introduction to investing for late starters. Topics to be covered include investment terminology, investment risks, stocks, bonds, mutual funds, exchange-traded funds, investment fraud, and investor resources.
Most people today, especially young adults, have an active “digital life” with dozens, sometimes hundreds, of electronic records that include URLs, usernames, passwords, PINs, and other authentication protocols. What happens if their computer crashes, gets destroyed in a fire or natural disaster, or they pass away without leaving any instructions about how to access their accounts? This class will define digital assets and discuss key questions to consider about them. It will also describe different types of digital assets, review strategies to inventory and protect digital assets, and outline a five-step digital asset planning process. In addition, it will briefly describe RUFADAA, the Revised Uniform Fiduciary Access to Digital Assets Act, and digital asset planning resources.
Every year, new trends, events, financial products, and government policies and legislation affect our personal finances. This presentation will recap 2026 through a personal finance “lens” by reporting noteworthy personal finance news items and their implication for personal financial planning. The session will also include results of important 2026 research studies about financial topics and a preview of announced changes related to income, estate taxes, and Social Security for 2027.
One of the most challenging financial aspects of retirement, especially for people who have been diligent savers throughout their working years, is taking required minimum distributions (RMDs) from their tax-deferred retirement savings accounts (e.g., 401(k)s/403(b)s, TSP, SEP, Traditional IRA) beginning at age 72. RMDs can have a significant impact on a retiree’s income tax liability. New RMD tables went into effect in 2022. This workshop will discuss basic facts about RMDs, the new IRS life expectancy tables, tax implications, tax withholding for RMDs, tax penalties for incorrect RMDs, ways to reduce the tax impact of RMDs, and options for using money that is withdrawn from tax-deferred retirement savings accounts.
The late New York City mayor Ed Koch was known for his trademark query "How am I doing?" as he asked people for feedback on his progress at the helm of America's largest city. Some people feel the same way about their finances and are looking for personalized assessments of their strengths and weaknesses and/or comparisons to other people in similar circumstances as themselves. This class will discuss 25 resources, techniques, and metrics to assess clients’ individual/household financial health. It covers a wide variety of personal finance topics that are linked together because they are all associated with some type of financial progress assessment or measurement of financial health. 
This class was requested by a MTP student at the May 2024 Curriculum Kick-off. He noted that his wife and other older women are too dependent on their husbands to make investment decisions and need a basic investing class. While many people start investing during their working years, some “newbie” investors are older adults, often widowed and divorced people who deferred investment decisions to others for decades.
Every year, new trends, events, financial products, and government policies and legislation affect our personal finances. This presentation will recap 2026 through a personal finance “lens” by reporting noteworthy personal finance news items and their implication for personal financial planning. The session will also include results of important 2026 research studies about financial topics and a preview of announced changes related to income, estate taxes, and Social Security for 2027.
