Straight Talk!

Financial planning and getting answers to your financial questions does not have to be difficult, expensive or a hassle.

Because we can all benefit from hearing others discuss their experiences, I sponsor a series of monthly discussions on personal planning topics.  Sarasota/Manatee area professionals present the topics and lead the discussions. 

The discussions are free and open to all.  We do request you RSVP at 941.927.9590 to assure with have adequate seating.  Do you have a topic to suggest? This email address is being protected from spambots. You need JavaScript enabled to view it.

 

See below for archives of past events.

Wednesday, May 17, 2017 (2:00 - 3:30) - Investing for Income

Tom Roberts, CFP® shows how to obtain income from your investments.  Creating income from your investments is very different from building your nest egg.  When withdrawing income, managing investment and market risks is critical.  The media is full of income investment strategies and "products" to help you deal with these risks.  We will discuss the pros and cons of the most common products, how to avoid financial sharks and make wise choices.

Click here to download the presentation slides.

Wednesday, April 19, 2017 (5:30-7:00) - Getting Ready for Retirement

Retirement brings many changes to our lifestyles and finances.  Some are uplifting and others are challenging.  Are you ready to deal with these issues?  Tom Roberts, CFP® will talk about the impact of these changes and what you can do to prepare your finances.

Click here to download the presentation slides.

Wednesday, March 22, 2017 (5:30-7:00) - Annuity ABCs

Tom Roberts, CFP® defines the different types of annuities, advises in what situations they are useful and where they are not appropriate.   Annuities can provide you with a steady income but, they are insurance products and can be complex, expensive and confusing.  Learn how to find the Good, avoid the Bad and Run from the Ugly.

Click here to download the presentation slides.

Wednesday, February 15, 2017 (5:30-7:00) - Basics of Investing

Tom Roberts, CFP® will show you how to start investing. Learn how to match your goals to risks, set up a diversified portfolio, choose investments and do it all at a reasonable cost. Everyone can learn the basics of investing!

Click here to download the presentation slides.

Wednesday January 18, 2017 (5:30 - 7:00) - Get Financially Fit!

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the presentation slides.

Tuesday, November 1, 2016 (5:30 - 7:00) - Getting Ready for Retirement

Retirement brings many changes to our lifestyles and finances. Some are uplifting and others challenging. Are you ready to deal with these issues? Tom Roberts, CFP® will talk about the impact of these changes and what you can do to get ready for the next stage in your life! 

Click here to download the presentation slides.

Wednesday, September 14, 2016 (6:00 - 7:00) - Basics of Investing

Tom Roberts, CFP® will show you how to start investing. Learn how to match your goals to risks, set up a diversified portfolio, choose investments and do it all at a reasonable cost. Everyone can learn the basics of investing! 

Click here to download the presentation slides.

Wednesday, September 7, 2016 (3:00 - 4:30) - Sustainable Investing

Investors have become more interested in the business practices of the companies in which they invest. Recent studies have indicated that following sustainable practices is not only good for the environment and society but, also leads to better company performance. Tom Roberts, CFP® will explore this factor, how to research companies and decide if it is significant to your investments.

Click here to download the presentation slides.

Thursday July 14, 2016 4:30 to 5:30 - It's My Money! Earning, Spending & Saving (Tweens)


Do you earn money or get an allowance? Great! Let's talk about how to decide what to do with your money, saving and how it can help you do the things you want.

Click here to download the presentation slides.

Thursday May 19, 2016 5:30 to 7:00 - Get Financially Fit!

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the presentation slides.

Thursday May 17, 2016 5:00 to 6:30 - Get Financially Fit!

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the presentation slides.

Thursday March 10, 2016 5:30 to 7:00 - Basics of Investing

Tom Roberts, CFP® will show you how to start investing.  Learn how to match your goals to risks, set a diversified portfolio, choose investments and do it all at a reasonable cost.  Everyone can learn the basics of investing!

Click here to download the presentation slides.

Thursday January 7, 2016 2:00 to 3:30 - Annuity ABCs

Tom Roberts, CFP® defines the different types of annuities, advises in what situations they are useful and where they are not appropriate. Annuities can provide you with a steady income and lower some of your risks. Annuities are insurance products and can be complex, expensive and confusing. Learn how to find the Good, avoid the Bad and Run from the Ugly.

Click here to download the presentation slides.

Wednesday November 4, 2015 3:00 to 4:30 - Optimizing Your Social Security

Retirement benefits from Social Security are a large portion of most retirees' retirement income. Before starting to take benefits, make sure you know how to optimize your benefits. Whether you are single or married, learn how to make sure you get the most from your hard earned benefits. Tom Roberts, CFP® will show you the rules and plans to optimize your Social Security retirement benefits.

Click here to download the presentation slides.

Tuesday September 8, 2015 1:30 to 3:00 - "When Life Happens" Dealing with Long Term Care

Renae LeBlanc of Boomer to Senior will talk about options to cover Long Term Care expenses.  Renae has over 20 years working with Long Term Care and insurance.

Thursday June 25, 2015 5:00 to 6:00 - It's My Money! Earning, Spending & Saving for Tweens

Do you earn money or get an allowance? Great! Let's talk about how to decide what to do with your money, saving and how it can help you do the things you want.

Click here to download the presentation slides.

Tuesday May 12, 2015 5:30 - 7:00 - Basics of Investing

Tom Roberts, CFP® will show you how to start investing. Learn how to match your goals to risks, set a diversified portfolio, choose investments and do it all at a reasonable cost. Everyone can learn the basics of investing!

Click here to download the presentation slides.

Wednesday March 11, 2015 3:00 to 4:30 - Investing for Income

Tom Roberts, CFP® shows how to obtain income from your investments.  Creating income from your investments is very different from building your nest egg.  When withdrawing income, managing investment and market risks is critical.

The media is full of investment strategies and "products" to help you deal with these risks.  We will discuss the pros and cons of the most common products, how to avoid financial sharks and make wise choices.

Click here to download the presentation slides.

Tuesday January 13, 2015 5:30 to 7:00 - Get Financially Fit!

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the presentation slides.

Tuesday November 4, 2014 1:00 to 2:30 - Getting Ready for Retirement

Retirement brings many changes to our lifestyles and finances. Some are uplifting and some challenging. Are you ready to deal with these issues? Tom Roberts, CFP® will talk about the impact of these changes and what you can do to prepare your finances.

Click here to download the presentation slides.

Tuesday September 9, 2014 5:30 to 7:00 - Annuity ABCs

Tom Roberts, CFP® defines the different types of annuities, advises in what situations they are useful and where they are not appropriate. Annuities can provide you with a steady income and lower some of your risks. Annuities are insurance products and can be complex, expensive and confusing. Learn how to find the Good, avoid the Bad and Run from the Ugly.

Click here to download the presentation slides.

Tuesday July 15, 2014 2:00 to 3:30 - $mart About Money

Learn how to manage your money while still in school. Tom Roberts, CFP® shows how to balance your income and expenses, handle a credit card and use borrowing to improve your future. Developing good money habits when you are young can help you for a lifetime.

Click here to download the presentation slides.

Tuesday May 6, 2014 5:30 to 7:00 - Investing for Income


Tom Roberts, CFP® shows how to obtain income from your investments. Creating income from your investments is very different from building your nest egg. When withdrawing income, managing investment and market risks is critical.

The media is full of investment strategies and "products" to help you deal with these risks. We will discuss the pros and cons of the most common products, how to avoid financial sharks and make wise choices.

Click here to download the presentation slides.

March 13, 2014 (1:00 - 2:30) - Basics of Investing

Tom Roberts, CFP® will show you how to start investing. Learn how to match your goals to risks, set a diversified portfolio, choose investments and do it all at a reasonable cost. Everyone can learn the basics of investing!  Free.  Workshop at South Manatee Library 6081 26th Street West Bradenton.  Information and RSVP at 941.927.9590.

Click here to download the presentation slides.

Tuesday January 7, 2014 5:30 - 6:30 - A New Year, A Fresh Start - Your Financial Resolutions

Tom Roberts, CFP® shows how to craft your resolutions to achieve your financial goals. Set reasonable expectations and get tips on overcoming obstacles. Make 2014 the year you get your finances on track!

Click here to download the presentation slides.

Tuesday November 12, 2013 5:30 to 6:30 - The New Healthcare Act and Your Finances

The upcoming changes in healthcare insurance programs will impact everyone.  Hear how to work through your options and make the best choices for you. Tom Roberts, CFP®, will go review the programs and the potential impact on your wallet.

Click here to download the pdf.

Tuesday September 10, 2013 5:30 to 6:30 - Getting Financially Fit!

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the pdf.

 

Friday July 26, 2013 2:00 to 3:00 - $mart About Money

Learn how to manage your money while still in high school or college. Tom Roberts, CFP® shows how to balance your income and expenses, handle a credit card and use borrowing to improve your future. Developing good money habits when you are young can help you for a lifetime.

Click here to download the pdf.

Tuesday June 25, 2013 1:00 to 2:00 - Annuity ABC's

Tom Roberts, CFP® discusses the different types of annuities, in what situations they are useful and where they are not appropriate. Annuities can provide you with a steady income at lower risk. Annuities are insurance products and can be complex and confusing. Learn how to find the Good, avoid the Bad and Run from the Ugly.

Click here to download the pdf.

Tuesday February 12, 2013 5:30 to 6:30 - Estate Planning 101

A good starting point if you have no plan or an old Will or Trust lying around or you're new to Florida.  Deborah Roser, Esquire, will discuss if you need a plan, what might be right for your unique situation, and, if you already have a plan, whether it should be updated.

Tuesday January 10, 2013 5:30 to 6:30 - Getting Financially Fit

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the pdf.

Wednesday November 7, 2012 5:30 to 6:30 and Tuesday December 11, 10:30 to 11:30 - Estate Planning 101

A good starting point if you have no plan or an old Will or Trust lying around or you're new to Florida. Deborah Roser, Esquire, will discuss if you need a plan, what might be right for your unique situation, and, if you already have a plan, whether it should be updated.

Wednesday October 10, 2012 5:30 to 6:30 and Thursday October 25, 10:30 to 11:30 - Getting Financially Fit

Everybody can benefit by being financially fit. Just like a successful physical fitness program, there are several parts - evaluation of your current fitness, goals, a support team and a plan. Tom Roberts, CFP®, will show you how to start your program now!

Click here to download the pdf.

 

Tuesday September 4, 2012 and Tuesday September 18, 2012 - Your Loving Legacy

Whether you want to provide Inheritance Protection, provide a lifetime of giving with your Retirement Funds, plan for your Pet, share your wisdom and values or you are a Decided Philanthropist, Deborah Roser, Esquire and Tom Roberts, CFP® will discuss how you can create your own Loving Legacy.

Tuesday August 14, 2012 and Tuesday August 28, 2012 - What to Do When Someone Dies

Whether you have a trust or a will, learn about the estate administration process. Deborah Roser, Esquire, talks about fees, time-line, creditors, what the personal representative or trustee must do and what we can do to plan ahead.

Wednesday July 11, 2012 & Tuesday July 24, 2012 - Investing for Income... Without Sharks!

Tom Roberts, CFP®, discusses how to obtain income and avoid financial sharks. Optimizing income from your investments is very different from building your nest egg. When building up your savings you have more room for error, and market downdrafts do not have as much impact. When withdrawing income, managing investment and market risk is critical. We will discuss how to identify and plan for these risks.

There are a number of investment strategies and "products" to help you deal with these risks. We will discuss the pros and cons of the most common products and how to make wise choices.

Click here to download the pdf.

Tuesday June 6, 2012 & Tuesday June 29, 2012 - Special Needs Planning

What you need to know about planning for the special people in your life.

Special planning is important when a loved one (young or old) is receiving needs-based public assistance of might in the future. Deborah Roser, Esquire, will show how, with proper planning, you can provide for and protect your special person while preserving entitlement to needs-based public assistance.

Tuesday May 8, 2012 & Tuesday May 22, 2012 - Annuity ABC's

Tom Roberts, CFP® discusses different types of annuities, in what situations they are useful and where they are not appropriate. Annuities can provide you with a steady income at lower risk. Annuities are insurance products and can be complex and confusing. Learn how to find the Good, avoid the Bad and Run from the Ugly.

Click here to download the pdf.

Tuesday April 3, 2012 & Tuesday April 17, 2012 - Estate Planning 101

Deborah Roser, Esquire, will discuss the three most important aspects of estate planning and provide tips on how to avoid competing plans and why a trust might be right for your situation.

Tuesday March 6, 2012 & Tuesday March 20, 2012 - Investing Strategies

Tom Roberts, CFP®, discusses current economic trends and how they affect your portfolio. Learn how to immunize your portfolio against market shocks by choosing investments that align with global macroeconomics.
Click here to download the pdf.

February 7, 2012 & February 21, 2012 - Avoid Nursing Home Poverty

Deborah Roser, Esquire will discuss how to plan for nursing home care. You'll learn about options, including irrevocable trusts, qualifying for Medicaid and protecting your assets and income for yourself, your spouse and your heirs. It's never too late to plan, even if someone is already in a nursing home. Don't find yourself later saying, "I wish I knew this years ago."

Tuesday January 17, 2012 & Tuesday January 24, 2012 - Investing for Income... Without Sharks!

Tom Roberts, CFP®, discusses how to obtain income and avoid financial sharks. Optimizing income from your investments is very different from building your next egg. When building up your savings you have more room for error, and market downdrafts do not have as much impact. When withdrawing income, managing investment and market risk is critical. We will discuss how to identify and plan for these risks.
There are a number of investment strategies and "products" to help you deal with these risks. We will discuss the pros and cons of the most common products and how to make wise choices.
Click here to download the pdf.

Tuesday December 6, 2011 - Creating Your Legacy Lighthouse

If you've done your estate plan, you probably have a will and maybe a trust. We plan because we have people we love, and we want to make sure what we have goes where we want after we die. The people we love, however, may also have a need - a need for a different kind of legacy from you - one that is filled with your stories, your wisdom, your values, your guidance, your life lessons, and your love.

Think you don't have any stories or wisdom? We discussed how to find and release your legacy lighthouse so you can light the way for generations! Led by Deborah Roser, Esquire, Tom Roberts, CFP®, and other particpants discussed and worked exercises to help us get started.

Tuesday October 25, 2011 - Business Succession Planning

Have you planned your exit? What will you do when it is time to pass on your company? Deborah Roser, Al Liskunas, Nikolay Safonov discussed how to maximize company value, choose successors, fund a sale and execute a smooth transition.

Click here to download the pdf.

Tuesday September 20, 2011 - Annuity ABCs

Tom Roberts, CFP® discussed different types of annuities, in what situations they are useful and where they are not appropriate. Learn how to find the Good, avoid the Bad and Run from the Ugly.

Click here to download the PDF

Saturday July 16, 2011 - Estate Planning 101

Deborah Roser (RoserLawLLC) discusses how to avoid future problems. Special guests Roni and John Antenucci of A&B Asset Documentation on How to Avoid Treasure Hunts.

Palm Aire Tradition Community Clubhouse
8445 Gardens Circle (off University Parkway)
Sarasota, FL 34243-3042.

Tuesday May 31, 2011 - Expectations in Retirement

Tom Roberts, CFP® discusses What Retirement Means Today and how you can prepare. Special guest Sue Ellen Addicott of Senior Moves (MySeniorMoves) on Easier Ways to Downsize.

Click here to download the PDF

Tuesday March 22, 2011 - Investing for Income

Tom Roberts, CFP® discusses how to obtain income and avoid financial sharks.

Click here to download the PDF

Why everyone needs to own bonds

Everyone should own bonds or bond-like investments, though you might ask why would anyone want to own bonds at this time? The value in owning bonds is not just for the known rate of income but also to provide a less-volatile rate of return and to provide stability to a portfolio. Providing stability and helping us deal with our instinctual desire to make the wrong moves at the wrong times may have the most value for investors.

Read the rest of the Bradenton Herald Article.

Use your tax forms to boost finances

With the 2016 federal tax return filing deadline of April 18 – yes, that is correct – rapidly approaching, let’s talk about how you can use your tax forms to improve your finances.

Before you file away your 2016 tax forms, spend a few minutes to see how it can help plan your finances and taxes for 2017.

Read the rest of the Bradenton Herald Article.

Lakewood Ranch financial planner looks at costs of health care in retirement

It is no secret that health care is expensive. For most of us, annual health-care costs increase as we get older and threaten to become our largest expense item. Fidelity's latest study proclaims that the average 65-year-old will need $245,000 to cover health-care costs in their lifetime.

Read the rest of the Bradenton Herald Article.