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F3e The Foundation for Financial Education
A 5 0 1 ( C ) ( 3 ) N O N P R O F I T O R G A N I Z A T I O N
Our commitment is to:
Our goal is to spread financial literacy by bringing educational resources directly to the public.
Provide current and relevant information at interactive and entertaining workshops
Recommend practical courses of action that will enable individuals to take charge of their finances
Give back to the community through volunteerism and scholarships
F3Eonline.org/employer-benefits | 240 .499 .0390 | [email protected]
Mission Statement
The Foundation for Financial Education is a not-for-profit, charitable organization formed under section 501(c)(3) of the Internal Revenue Code. Donations to the Foundation for Financial Education are tax-deductible as charitable contributions for U.S. federal income tax pur-
poses. There are no donation limits or restrictions on contributions to the Foundation for Financial Education.
F3e The Foundation for Financial Education
A 5 0 1 ( C ) ( 3 ) N O N P R O F I T O R G A N I Z A T I O N
As an employer or organizational leader, you will be providing a valuable service to your employees or members that they will benefit from and thank you for. Because we are a nonprofit organization, there is no charge for our workshops.
F3E workshops raise morale and empower the attendees to ‘step it up’ and take control of their finances.
F3E workshops can assist in improving attendees’ health and wellness.
Our workshops are not sales events. We do not endorse any specific products or companies. Our primary purpose is to provide generic education to the community by arranging for top professionals in their respective fields to share their knowledge, advice, and experience with the public.
Benefits of an F3e Workshop
Easy to Implement for EAP, HR, & Wellness ProgramsOur nonprofit provides personalized flyers and educational material to help drive program awareness maximize participation, & encourage feedback from your employees.
F3E The Foundation for Financial Education
Financial Fitness
Cash flow management
Basics of tax planning
Creating a financial road map
Introduction to estate planning
Overcoming obstacles to creating wealth
Maximize savings and investment plans
Improving Your Credit
Why is credit so important, anyway?
Understanding your FICO score
Credit restoration
Debt rebalancing
Key steps to rebuilding your credit
Repairing credit after bankruptcy
Macro Economic Planning
Improve the effectiveness of your economic model
More money, less risk
Coordinating the growth of all your assets
Moving from taxable to tax-free
The velocity of money and the ripple effect
Retirement Planning
How not to outlive your money
Running the retirement marathon
How taxes and inflation impact retirement
Exit strategies
RMD’s
Stretch IRAs
Long-term care considerations
Estate Planning
Dealing with death and estate taxes
Wills and trusts
Probate and your estate
Choosing an executor
Lifetime giving exclusion
Unlimited marital deduction
Tax-free inheritance
Over
Financial Transitions
Reasons for career/job transitions
Placement resources
Can I, or when can I, retire?
Lining up your benefits/insurance options
Choosing new benefits (weighing the options)
Rolling over your 401k vs. leaving at old employer
Taking control and ownership of your finances
Understanding your retirement plans and whatthey are worth
Popular Workshop Topics
IRA, TSP, & 401k Rollovers
Consolidating assets
IRS section 525
Accessing your retirement accounts for current needs
Saving/avoiding taxes
Leaving IRAs behind/stretch IRA
Financial Pitfalls
Lack of plan or inadequate plan
Improper debt management
Lack of estate plan
Lack of tax planning strategy
Buying advice over the internet
Lack of exit strategy
F3E The Foundation for Financial Education
Strategic Allocation
Planning your wealth for interest rate fluctuation,inflation, and market volatility and taxes
Using strategic allocations to meet your financial goals
Tax-free, lifetime streams of income
COLA income
College Planning Strategies
The MYTH about financial aid
Sources of money
Need-based vs. non need-based
College funding vs. financial aid
Advice
The reward
Finances For Women
How men and women view money differently
Preparing for retirement
Managing debt
Savings basics for women
Investment choices
Being female in a financial world
Retirement Planning for Women
Concerns for divorced and single women
Options for real estate
Insurance planning
Tax planning
Widows in retirement
Preparing for a marathon retirement
Modern Parenting Issues
Step-parents and co-parenting
Child psychology
The evolution of the modern family
Parenting resources
Single parenting
Federal Benefits Best Kept Secrets
ChFEBC advisor
What tax bracket will I be in at retirement?
What makes us so special?
The rules of the game
Exit strategies
Free insurance
TSP, catch-up, and loans
CSRS voluntary contribution
Federal Benefits 101
Why and what federal employees need to plan for
Basic options for insurance
How to calculate my pension
Retirement eligibility guidelines
Common mistakes made in the TSP
Federal Leave and Earnings Statements
How to interpret your statement line by line
Selecting the proper options for benefits
Managing your tax withholdings
Where does all my money go?
Hidden opportunities within your paycheck
Disability and Social Security
Planned Giving
One-time gifts vs. ongoing gifts
Tax ramifications to families and estates
Using charitable trusts or charitable strategiesfor planned giving
Leaving a planned giving legacy
Benefits to you and your family
Over
Popular Workshop Topics
F3E The Foundation for Financial Education
Taxes and the IRS
Where do our taxes go?
Do I need a tax advisor?
Tax avoidance
Tax-free savings
Tax-deferral vs. tax-deductible vs. tax-free
Why you shouldn’t wait to get your refund
Financial Planning in Uncertain Times
Budgeting for change
Retirement horizons
TSP planning
Benefit planning
Exit strategies
Advanced Social Security Planning
How cost-of-living adjustments affect your Social Security
Breakeven analysis: should you collect at age 62, 66, or 70?
How are your benefits calculated?
File and suspend: file for your Social Security suspendand let your spouse collect 50% of your benefits
How to collect IRAs and let your Social Security grow 8% per year
Maximizing Your Financial Plan
Macro manager
Financial planner
Common financial myths
The rules of the game are changing
Exit strategies
Where do we go from here?
Social Security 101
Understanding the basics of Social Security
How to optimize your benefits
Advantages of applying after full retirement age
How are your benefits calculated?
How cost-of-living adjustments affect yourSocial Security
Mortgage & Real Estate Opportunity
Managing investment properties
Leverage in real estate
Buying opportunity in a down market
Buying vacation and retirement homes
REO’s, foreclosures, and short sales
Real estate inside your IRA
Introduction to Real Estate
Understanding mortgage options
Location, location, location
Real estate as an investment
VA/FHA programs
Tax benefits
First-time home buying
Real Estate, Real Opportunity
Avoiding real estate pitfalls
Real estate investing
Buying and selling in today’s market
Appropriate financing options
Real estate inside your IRA
Mortgages
Brokers, bankers, and credit unions
Interest-only vs. interest and principal
30-year mortgage vs. 15-year mortgage
Mortgages that increase your wealth
Common mortgage misconceptions
Reducing mortgage fees
Popular Workshop Topics
F3E Footprints of F3E
The Foundation for Financial Education
ABC Distributors AC Home of Eureka AFLAC Alzheimer’s Association American Occupational Therapy Association American Society of Clinical Oncology Appalachian Regional Commission ARC Asbury Methodist Village Attronica Berlitz Language Center Bethesda-Chevy Chase Regional Services Center Blair House Bloomington Normal Christian Women’s Group Building Owners and Managers Association Borders Books Brick Layers Union Bureau of Alcohol, Tobacco, Firearms, & Explosives (ATF) Careers in Nonprofits CENTRO Latino Children's Home Chris Lutheran Church Central Intelligence Agency (CIA) CINTAS City of Rockville City of St. Cloud FL Clark Construction Columbia Association Community HousingWorks Comtech Mobile Datacom Congressional Caucus COPE Corporate Office Properties Trust (COPT) Damascus Senior Center DARPA DB Consulting DC Cancer Consortium Defense Nuclear Facility Safety Board Department of Commerce (DOC) Department of Energy (DOE) Department of Homeland Security (DHS) Downtown Clusters Duke Realty Corporation Environmental Protection Agency (EPA) EAP- DC Chapter Evergreen Village Exit Realty, Frederick Food and Drug Administration (FDA) Federal Bureau of Investigation (FBI) Federally Employed Women Firefly Energy
Fish & Wildlife Services Flannagan Rehab Center Frederick Community College Frederick County Public Library Friendship Terrace Gaithersburg High School Georgetown Visitation Prep Glenallen Elementary School Global InfoTek Good Shepherd Lutheran Great Plains Media Grosvenor Towers Apartments Hughes Humanim Indian Health Service Insurmark JBS International Jewish Foundation for Group Homes Johns Hopkins University Law Firm of Selzer, Gurvitch, Rabin, & Obecny Llewellyn Realty Lockheed Martin Lurch, Early, & Brewer Law Firm Lutherean Oaks Macy’s Mark Center MCO-FL Airport Meadows Mennonite Retirement Community Metro Offices Mettler Toledo Mid-Atlantic Federal Credit Union Mid-Illinois Credit Union Middlesex Chamber of Commerce Mom's Day Out Montgomery College Montgomery County Commission for Women Montgomery County Public Schools Montgomery County Teachers Federal Credit Union Mt. Calvary Baptist Church National Archives & Records Administration (NARA) National Defense University National Cancer Institute National Weather Service (NWS) National Gallery of Art (NGA) National Institute of Health (NIH) National Institute of Standards & Technology (NIST) Navy International Programs Office NOAA Noblis Northern Virginia Urban League Young Professionals Network Nuclear Regulatory Commission (NRC)
Office of Personnel Management (OPM) SF Medical Parent Academy Peabody Institute Pentagon Pikesville Seventh-Day Adventist Church Pontiac Boy Scouts Potomac Adventist Book & Health Food Store Real Estate Teams, Frederick Remax 2000 Realty Rockland BBQ and Grill Rockville High School Rockville Innovative Center Rockville Rotary Club Rockville Spanish Seventh-Day Adventist Church Rockville Women’s Business Center SAMHSA Secret Service Florida Shady Grove Innovation Center Social and Scientific Research Social Security Administration (SSA) Special Needs Expo St. Johns Senior Group St. Raphael School St. Pats Church Staples The Jewish Community Center The Merchants Voice The Surgery Center The Wellness Community Trinity Partners University of Maryland U.S. Army– Adelphi U.S. Department of the Interior U.S. Department of Justice (tax division) USGS Vinson Hall Virginia Imports Washington Convention Center Weichert Realtors Vinson Hall Virginia Imports Washington Public Library Water Management, Inc White House Military Office Willow Manor WIND North Wood Hills Apartments WSSC YGL of Bethesda YMCA
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]
F3E The Foundation for Financial Education
July 15th, 2015
I first heard your founder, Jonathan Lee, when he came to speak at the DC Em-ployee Assistance Professionals Association (EAPA) during the time I was the President of the organization. He was fabulous. Every EAPA member that I’ve spoken to about their experience with F
3E has been thrilled with the financial edu-
cation your nonprofit delivers to their employees. The resources you provide have been invaluable.
I know there are other non-profits who have a similar mission; however, your level of expertise and service has far exceeded others I have seen. It’s also helpful to know that you are national and will continue to serve the different branches and locations of our members across the country.
I want to personally thank you for making financial education a topic that every-one can learn from and implement in to their own lives to enable them to take control of their financial futures.
Sincerely, Sarah Steck
Sarah Bullard Steck, LICSW, CEAP, C-ASWCM
Steck Associates LLC
187 Westminster Ave, Suite 1
Arlington, MA 02474
202-423-3516 c
www.steckassociates.com
www.linkedin.com/in/sarahsteck
F3E The Foundation for Financial Education
To: Jonathan Lee
From: Michael A. Richardson Subject: Sr. Testimonial
I would like to add my name and endorsement to the list of thoroughly satisfied recipients of information provided by the Foundation for Financial Education (F
3E). In speaking to the
President/CEO Jonathan Lee, I recognized his passion about spreading financial knowledge to everyone. Financial Literacy is desperately needed by all of us at every level in our walk through this thing we call life. This has been proven by the historical setbacks that we as a country have dipped into over the past 18 months. No matter what age we may be, the presenter provides a wealth of knowledge available about our personal financ-es that can help us become more financially literate than what we think we are. The con-cept of providing good financial advice, for everyday people, which will encourage us to think about preparing for the future, at NO cost, is a radical step that everyone can benefit from. Jonathan and his team have put together the “A Team” of presenters, who are the best in their respective fields.
Admittedly, I was a skeptic at first. I had positioned myself for retirement in less than 2 years. I just knew there was nothing additional that I needed to know. However, after sit-ting in one Lunch & Learn (1-hour session) on Financial Blunders; Lessons We Can’t Af-ford Not to Learn” I realized there were subjects, concepts and pointers that I needed to check with my Financial Advisor on that I needed to consider immediately to put into prac-tice that we had completely missed the mark on. I encourage every leader of your organi-zation to pick any of the seminar topics they present, provide it to your staff & employees and I guarantee that you and your colleagues will benefit from the information shared and they will thank you for the opportunity.
Michael A. Richardson, Sr.
Michael A. Richardson, Sr. VP of Community Relations Mid-Atlantic Federal Credit Union
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]
F3E The Foundation for Financial Education
U.S. Department of Education Chapter
Blacks In Government (BIG)
400 Maryland Avenue, SW
Washington, D.C. 20202
To Whom It May Concern:
The U.S. Department of Education Chapter of Blacks In Government (BIG) has had the
pleasure of sponsoring workshops for the Foundation for Financial Education (F3E). These
very informative workshops have been extremely well-attended, even at the end of the fis-
cal year when employees are very busy. We've had a diverse population of 38 to 75 em-
ployees from a number of different offices register for three workshops, "Mid-Career Plan-
ning," "Estate Planning," and "Tax Planning" offered in July, August, and September.
Once employees attend, they re-register for the Foundation for Financial Education work-
shops and request materials for any missed sessions due to their work requirements. This is
not our experience with other presenters from other companies.
The presenters are very knowledgeable, cram a lot into a lunchtime presentation, have ex-
cellent handouts and materials, offer free assistance with wills and other services and re-
duced costs for more complex transactions. However, they never push their other services
while conducting workshops. They are especially adept at handling questions and offering
employees resources, many of which are online.
It is without hesitation that I strongly recommend the Foundation for Financial Education
to any agency or group that wishes to empower their employees to make sound financial
decisions in these more challenging economic times.
Best wishes,
Wanda E. Gill, Ed.D.
President
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]
F3E The Foundation for Financial Education
From: Danielle D. Wilson-Saddler
Sent: Wednesday, April 29, 2015
Subject: Thank YOU!
Greetings,
We can’t thank you enough for the presentation at Monday night’s Parent Academy work-
shop. We appreciate you generously donating your time and expertise to help support
MCPS parents. People like you really make a difference. We value your input, so please
let me know if you have feedback about the Parent Academy process.
If you have any questions or requests for additional information, please contact me. We
look forward to having you present at future Parent Academy workshops.
Sincerely,
Danielle
Danielle D. Wilson-Saddler Instructional Specialist Montgomery County Public Schools Office of Community Engagement and Partnerships [email protected]
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected] F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]
F3E The Foundation for Financial Education
To Whom It May Concern:
It is with great pleasure that I write this testimonial to the exemplary services
provided by the Foundation for Financial Education (F3E). I have worked
with F3E since early 2011 shortly after coming to work with Immigration and
Customs Enforcement/Office of the Chief Information Officer (OCIO). Over
the past two years, F3E conducted several Lunch & Learn seminars for OCIO
and in doing so availed themselves to questions from staff around the coun-
try. I personally found the F3E team and the CEO Jonathan Lee to be highly
professional, accommodating to busy schedules and most importantly, gifted
at speaking to the level of their audience. If you have an opportunity to work
with F3E, take it— you will soon know that they are passionate about
providing all clients with superior financial services!
Inga Mitchell, PMP
DHS | ICE | OCIO | WMD
Organizational & Employee Development
October 24, 2012
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]
F3E The Foundation for Financial Education
F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]