The Foundation for Financial Education · The Foundation for Financial Education F3e As an employer or organizational leader, you will be providing a valuable service to your employees

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

The Foundation for Financial Education

F3e

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 Programs

Our nonprofit provides personalized flyers and educational material to help drive program awareness, maximize participation, and encourage feedback from your employees.

www.F3Eonline.org/employer-benefits

F3E The Foundation for Financial Education

Certified Educational Consultant TM

See how the nonprofit difference is changing the landscape of financial education

The CEC certification marks professionals who have met the high standards of competency and ethics established and enforced by F3E along with those who have the ability to provide

the public with financial education.

The Certified Educational Consultant, or CEC, is registered and offered through the Foundation for Financial Education, a 501(c)(3) national nonprofit.

Exposing the dangers of retirement planning and guiding to

achieve 3 primary goals:

Maximize income 1

Delivery of the highest standard for financial education

Protection of the public from finan-

cial misinformation

Guidance through education, not sales pitches

Maintenance of ap-propriate records to support recommen-

dations

The next level of financial education

Minimize taxation Structure an efficient estate plan

2 3


Federal Benefits Workshop Topics

Federal Benefits 101

• Why & 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 & 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

Pre-Retirement Planning for Federal Employees

• States that don’t tax federal pensions

• Jumpstart survivor benefits

• How to calculate FERS/CSRS pension benefits

• Roth & catch-up TSP

• Health insurance for spouse and family

• Social Security windfall elimination, supplement, and integration

Retirement Planning for Federal Employees

• Where and when to retire

• MRA calculations

• TSP income options

• Pension maximum

• When to draw Social Security

• Health insurance vs. Medicare

• Federal Long-Term Care Insurance

Federal Benefits Best Kept Secrets

• ChFEBC advisor

• What tax bracket will you 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 Insurance Programs Unraveled

• OASDI

• Medicare

• FEHBP

• Medicaid

• FLTCIP

• FEGLI

• Social Security supplement

Over

Understanding Your TSP

• Eligibility and limits

• Allocation options

• Roth vs. traditional

• When rollovers and loans make sense

• Retirement distributions


Taxes & 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 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

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

College Planning 101

• The MYTH about financial aid

• Sources of money

• Need-based vs. non need-based

• College funding vs. financial aid

• Advice

• The reward

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?

Retirement Planning

• How not to outlive your money

• Running the retirement marathon

• How taxes and inflation impact retirement

• Exit strategies

• RMDs

• Stretch IRAs

• Long-term care considerations

Popular Workshop Topics

Over



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?

• How to collect IRAs & let your Social Security grow 8% per year

• Delayed retirement credits: guaranteed 8% for 4 or 8 years

IRA, TSP, & 401k Rollovers

• Consolidating assets

• IRS section 525

• Accessing your retirement accounts for current needs

• Saving/avoiding taxes

• Leaving IRAs behind/stretch IRA

Mitigating the Cost of Long-Term Care

• LTC by the numbers

• Federal LTC program

• Activities of daily living

• Qualifying for low/no-cost coverage

• LTC insurance alternatives

• Medicaid planning

• LTC during retirement

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 your Social Security

Public Service Student Loan Forgiveness Program

• How to qualify for the program

• What is qualifying employment?

• The types of Federal loans that qualify

• Repayment plans

• How to apply

Over

Financial Planning in Uncertain Times

• Budgeting for change

• Retirement horizons

• TSP planning

• Benefit planning

• Exit strategies



Introduction to Real Estate

• Understanding mortgage options

• Location, location, location

• Real estate as an investment

• VA/FHA programs

• Tax benefits

• First-time home buying

Planned Giving

• One-time gifts vs. ongoing gifts

• Tax ramifications to families and estates

• Using charitable trusts or charitable strategies for planned giving

• Leaving a planned giving legacy

• Benefits to you and your family

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

Medicare Basics

• Medicare Part A

• Different plans/supplements that are available

• Individual part coverage

• How to navigate Medicare Part D

• Financial responsibility under Medicare

Strategic Allocation

• Planning your wealth for interest rate fluctuation, inflation, market volatility, and taxes

• Using strategic allocations to meet your financial goals

• Tax-free, lifetime streams of income

• COLA income

Real Estate Tax Strategies

• How to purchase real estate within your IRA

• Tax advantages of owning vs. renting and how to use them

• How to leverage your mortgage

• Investment properties vs. traditional investments


Footprints of F3E ABC Distributors 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 Brick Layers Union BUMED Bureau of Alcohol, Tobacco, Firearms & Explosives (ATF) Careers in Nonprofits CENTRO Latino Centers for Medicare & Medicaid Services (CMS) Children's Home Choice One Hotels Christ Lutheran Church Central Intelligence Agency (CIA) CINTAS City of Rockville City of St. Cloud, Florida Clark Construction Coca-Cola 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 Human Resource Activity (DHRA) Defense Manpower Data Center (DMDC) Defense Nuclear Facility Safety Board Department of Commerce (DOC) Department of Energy (DOE) Department of Education Department of the Interior (DOI) Department of Justice (DOJ) Department of Health and Human Services (HHS) Department of Homeland Security (DHS) Department of Defense Education Activity (DoDEA) Downtown Clusters Duke Realty Corporation Equal Opportunity Employment Commission (EEOC) Environmental Protection Agency (EPA) EAPA Chapters— D.C., Potomac, San Francisco, Arlington Evergreen Village Executive Office of the President— Office of Management & Budget Exit Realty, Frederick

Fairfax County, Virginia Food and Drug Administration (FDA) Federal Bureau of Investigation (FBI) Federally Employed Women Firefly Energy Fish & Wildlife Services (FWS) Flannagan Rehab Center Frederick Community College Frederick County Public Library Friendship Terrace Ft. Belvoir Ft. Detrick Gaithersburg High School Georgetown Visitation Prep Glenallen Elementary School Global InfoTek Good Shepherd Lutheran Great Plains Media Grosvenor Towers Apartments Holy Cross Hospital Hughes Humanim Indian Health Service Insurmark Internet & Television Association (NCTA) 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 VA 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 (NDU) National Cancer Institute (NCI) National Weather Service (NWS) National Gallery of Art (NGA) National Institute of Health (NIH) National Institute of Standards & Technology (NIST) Navy Medical Research Center (NMRC) NOAA Noblis OSF Medical Nuclear Regulatory Commission (NRC)

Northern Virginia Urban League Young Professionals Network Office of Personnel Management (OPM) Parent Academy Peabody Institute Pentagon Pikesville Seventh-Day Adventist Church Pontiac Boy Scouts Potomac Adventist Book & Health Food Store Program Support Center (PSC) Quantico Raven Rock Mountain Complex Real Estate Teams, Frederick ReMax 2000 Realty Rockville High School Rockville Innovative Center Rockville Rotary Club Rockville Spanish Seventh-Day Adventist Church Rockville Women’s Business Center U.S. Secret Service Secret Service— Florida SEIU Local 500 Shady Grove Hospital Shady Grove Innovation Center Social and Scientific Systems Social Security Administration (SSA) Special Needs Expo St Johns Senior Group St Raphael School St. Pats Church Staples Substance Abuse & Mental Health Services Administration (SAMHSA) The Jewish Community Center The Merchants Voice The Surgery Center The Wellness Community Trinity Partners University of Maryland Adelphi Army Research Laboratory USDA U.S. Government Publishing Office (GPO) USGS Vinson Hall Virginia Imports Washington Adventist Hospital Washington Convention Center Weichert Realtors Vinson Hall Virginia Imports Washington Public Library Washington Times Water Management, Inc White House Military Office Willow Manor WHRS WIND North WSSC YGL Bethesda YMCA


www.F3Eonline.org | (240) 499-0390 | [email protected]

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 S. Sarah S., LICSW, CEAP, C-ASWCM



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 country. 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 M., PMP DHS | ICE | OCIO | WMD Organizational & Employee Development

October 24, 2012



To: Jonathan Lee From: Michael R. Subject: Sr. Testimonial I would like to add my name and endorsement to the list of thoroughly satisfied re-cipients of information provided by the Foundation for Financial Education (F3E). 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 finances that can help us become more financially literate than what we think we are. The concept of providing good finan-cial 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 sitting in one Lunch & Learn (1-hour session) on “Financial Blunders: Lessons We Can’t Afford Not to Learn” I realized there were subjects, concepts and pointers that I needed to check with my Financial Advisor on and start putting into practice. I encourage every leader of your organization to pick any of the seminar topics they present, provide it to your staff and employees, and I guarantee that you and your colleagues will benefit from the information shared and they will thank you for the opportunity.

Michael R.

VP of Community Relations Mid-Atlantic Federal Credit Union



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 G. President



From: Danielle W.

Sent: Wednesday, April 29, 2015

To: [email protected]

Subject: Thank YOU!

Greetings,

We can’t thank you enough for the presentation at Monday night’s Parent Academy workshop. We appreciate you generously donating your time and expertise to help sup-port 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 Acad-emy 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 W. Montgomery County Public Schools Office of Community Engagement and Partnerships

mailto:[email protected]



From: Kristy R.

Sent: September 10th, 2018

To: [email protected]

Subject: Feedback on Financial Pitfalls Workshop

I wanted to take the time to send you an email and thank you for coming

to speak to our team members about Financial Pitfalls. You were a

wealth of knowledge and our team members (approximately 65 total at-

tended both classes) found it to be extremely beneficial to them! Thank

you again!

Regards,

Kristy R.

Office Manager

Wells Fargo Auto | Winterville, NC

mailto:[email protected]







Documents

The Foundation for Financial Education · The Foundation for Financial Education F3e As an employer or organizational leader, you will be providing a valuable service to your employees