Educational Courses

Our Mission

We provide high quality financial education to help students understand their finances, and make better financial decisions for their retirement.

The Dodd-Frank act, which fundamentally changed Wall Street, formed a commission to better understand the level of financial literacy among American Consumers. The commission’s findings showed a startling lack of understanding of financial concepts, and strongly suggested financial literacy education for adults.

The Educational Courses we offer were developed specifically to educate students about financial terms, concepts, and strategies in a classroom setting giving them tools they need to make smart decisions about their financial future. Each of the courses are presented in an easy-to-understand format and cover all the bases to help you plan for your retirement. We teach courses all through the year, so be sure to check the Upcoming Events page often for our current schedule.

TAX ADVANTAGED PLANNING

A classroom course for those approaching or in retirement; teaching the principles of sound tax and retirement income planning with an emphasis on the tax code changes. 

This course focuses on financial terms and concepts that are important to retirement. Plus, it explains strategies designed to accomplish common objectives such as tax-efficient withdrawals, lifestyle preservation and providing a legacy. Both retirees and pre-retirees will benefit from attending this class.

In this course, you will help you understand the recent tax changes and what it means for you and your retirement. The largest tax reform in over three decades is now upon us and may shake up the lives of millions of Americans. It could redistribute the country’s wealth, possibly sway decisions about how you save for retirement and possibly impact you and your family. You will learn what you need to know about the 2019 tax year changes. The time to be prepared is now.

$ per person
(Spouse/Guest at no extra cost;
Additional workbooks $ each)

MAXIMIZING YOUR SOCIAL SECURITY

The Maximizing Social Security course provides a fundamental working knowledge of the Social Security program as it applies to retirement planning.

The materials cover the history of Social Security, how to qualify for benefits, spousal benefits, widow & widower benefits, taxation of benefits, working while you receive benefits, issues involved in claiming benefits early, and strategies to maximize your benefits while developing an income stream in retirement. You will learn information that will help you decide when to claim your Social Security benefits.

$ per person
(Spouse/Guest at no extra cost;
Additional workbooks $ each)

PRINCIPLES OF RETIREMENT PLANNING

The Principles of Retirement Planning course provides a fundamental working knowledge of the principles of conservative retirement planning as they apply to retirement planning.

The materials cover varied aspects of conservative retirement planning, such as changes in planning paradigms, history of markets, impact of bear markets, retirement budgeting, aspects of financial decisions, and more, while highlighting the ABC Planning Model. Students will increase their awareness of the overall risk in the markets as well as possible asset allocation models to help manage exposure to risk. This course also covers conservative retirement planning, income planning, asset allocation, and appropriate financial decisions. It is not designed to give specific solutions to individual needs.

$ per person
(Spouse/Guest at no extra cost;
Additional workbooks $ each)

LATE STAGE COLLEGE PLANNING

$ per person
(Spouse/Guest at no extra cost;
Additional workbooks $ each)

YOUR LOCAL INSTRCUTOR

Your local Instructor is an active participant in the financial services industry and has been taught the proper objectivity necessary to raise students’ overall financial literacy about investments and planning strategies. Instructors approved by AFES are dedicated to following the directive of the Dodd-Frank Act which is; to improve the financial literacy of adult Americans.

Chuck Omphalius Headshot

Chuck Omphalius

As your Instructor, I’m devoted to helping improve the financial literacy of adults 50 and over who are concerned about their retirement savings and how to ensure a safe, secure future. Our approach to financial planning differs markedly from the typical Wall Street approach because it considers all available options rather than just the narrow band that is traditionally touted by Wall Street and its representatives. Since circumstances vary by individual, one size does not fit everyone’s investment needs. Therefore, students are taught how to construct a financial plan for investing that fits their exact needs yet can be altered without pain should changing conditions warrant.

In each of our courses we examine and discuss investment choices and highlight the strengths and weaknesses of your options. I do not advocate shortcuts or secrets to wealth or investment gains but rather a conservative approach that fosters predictability, stability and availability to match the current and future needs of the individual. At the end of our courses students will have learned there is no “right” or “wrong” strategy, but rather “suitable” and “unsuitable” investments and “too large” and “too small” percentage allocations to otherwise suitable options for their individual circumstances.