Fulfilling Long-Term Goals

The goals you set in Building Savings & Wealth only matter if something is actually working toward them. This module connects the two: here's the goal, here's the time frame, here's what's built to get you there.

Most people accumulate accounts rather than choosing them. A 401(k) from a job three employers ago, an IRA someone opened for them, a pension they don't fully understand — a collection of vehicles that were never matched to anything specific. This workshop covers what the major vehicles are, how they differ, and how to line them up against the long-term goals you actually have.

Why Tax Treatment Matters More Than People Think

Two people can contribute identical amounts over identical timelines and end up with meaningfully different outcomes based on how their money was taxed along the way. Tax-deferred, tax-free, and taxable treatment each behave differently — in the accumulation years and again in the distribution years.

The workshop covers how the mix works together, and why diversifying tax treatment can matter as much as diversifying anything else.

Rollovers and Orphaned Accounts

If you've changed jobs, you likely have retirement money sitting somewhere you're no longer paying attention to. We'll cover what your rollover options actually are, what triggers a taxable event, and the mistakes that turn a routine transfer into an unnecessary tax bill.

Planning for Higher Education

Education costs have outpaced income growth for decades. This section covers the funding approaches available, how different assets are treated, and how to plan for education without quietly sacrificing your own retirement to do it.

Investing involves market risk, including possible loss of principal.

Bring your account statements — including the ones from old employers. We'll help you see what you already have and whether it's pointed at the goals that matter to you.