Education
Free Upcoming Webinar
A Holistic Financial Plan Workshop
Comprehensive, yet only the things that matter the most!
- Personal Finance Concepts
- Economics of Home Buying
- College Planning
- Personal Taxes
- Portfolio Planning
- Stocks, Options & Bonds
- Estate Planning
- Retirement Planning
Date: Not Scheduled Yet
Webinar Series
Our Webinar series is comprised of a wide variety of financial topics. Do you have an audience who could benefit from a live seminar? We would be happy to visit your office and present topics of your choice. Or, let us know your needs and we will customize a seminar for your audience.
We organize local events for people who are interested in learning about personal finance. Visit us at www.meetup.com/FinCrafters to participate!
Get notified for our next Webinar.
- Investing for Tax-Free Retirement
- Life of an Engineer
- Retirement Planning
- Economics of Home Buying
- Fixed Index Annuity
- Indexed Universal Life
- Medicare & Long Term Care
- Your Personal Finance Report
- Portfolio Planning
- Stocks, Options & Bonds
- College Planning
- Personal Taxes
- Business Taxes for Small Business Owners
- Estate Planning
Engineering Your Tax-Free Retirement
We first learn how inflation, taxes, compounded growth and volatility impacts wealth. We then look at a macroeconomic view of Social Security and Medicare, followed by a framework to optimally allocate your savings to various tax buckets and review investment options designed to generate tax-free stable income streams during retirement. Using an engineer as a sample working professional, we take you through the investment profile of a working and retirement life, incorporating changes in income and expenses.
Course Modules:
- What Does Inflation-Adjusted Means?
- Power of Compounding
- Asset Growth Using Rule of 72
- Effect of Taxes vs. Inflation on Asset Growth
- Investment Return and Volatility Explained
- Saving Early vs. Starting Late: An Example
- Life of an Engineer: Cash Flow Analysis
- Human vs. Financial Capital
- Macroeconomic View of Social Security & Medicare
- Break Even Analysis of Starting Social Security Late
- Retirement Characteristics
- Sequence of Returns Risk
- Tax Treatment of Retirement and Investment Accounts
- Performance Comparison of Retirement Savings Buckets
- Retirement Rules
- Retirement Scenarios
- The Future of Taxes
- Optimal Retirement Savings Buckets
- Modeling a Tax-Free Retirement Scenario IUL Investment
- How to Move Asset Between Tax Buckets
- Life Insurance Product Types
- How IUL Works
- IUL Benefits
- How Index Crediting Works
- IUL Credit Strategies vs. S&P500 Return
- IUL vs. S&P500 Performance
- IUL Costs
- Mechanics of IUL
- IRC 7702 Corridor for IUL
- IUL Policy Design Considerations
- Longevity Risk
- Annuity Product Types
- How Annuity Works
- Annuity Benefits
- Mechanics of Annuity
- Annuity Policy Design Considerations
- Annuity Tax Implications
- Annuity Moves Efficient Frontier
- Medicare Choices for Seniors: High Level Costs & Benefits
- LTC Facts & Economics
- LTC vs. Chronic Illness Benefits
- How LTC Policy Works
- LTC Policy Design Considerations
Video COURSE
Your Financial Planning Essentials
All you need to know about personal finance – nothing more, nothing less! We have taken the gist of various topics in personal finance and presented the insights to you here in bite-size format. Topics covered include real estate, college, personal and business taxes, portfolios, investments, estate and retirement.
COURSE MODULES
- Housing Costs
- Understanding Mortgage Interest
- TCJA Changes to Real Estate
- Tax Implications of Home Sale
- Mortgage Loan Qualification
- True Cost of Ownership (TCO)
- College Costs
- University Endowment Model
- College Savings Plans
- Types of Financial Aid
- FAFSA Process
- The Future of Taxes
- Income Tax Calculation Flow & Deductions
- Quick Income Tax Calculation
- Key Aspects of TCJA
- Miscellaneous Tax Topics
- Business Corporate Structures
- Taxation of Sole Proprietorship vs. S-Corp
- QBI Pass-Through Deduction
- Deducting CapEx
- Business Loss Treatments
- Types of Asset Classes
- Cyclic Nature of Asset Classes
- Investment Return and Volatility Explained
- S&P500 Performance in the Last 50 Years
- Asset Classes 30-year Performance History
- Portfolio Construction & Rebalancing
- Efficient Frontier & Diversification
- How to Analyze Stocks?
- Morningstar’s Portfolio Analyzer
- Stock Options
- Popular Option Strategies
- How Bond Works
- Bond Types
- Bond Ladder Using TIPS
- Estate and Gift Taxes
- What is an Estate Trust?
- Living Trust
- Irrevocable Life Insurance Trust (ILIT)
- Charitable Remainder Trust (CRT)
- Macroeconomic View of Social Security & Medicare
- Break Even Analysis of Starting Social Security Late
- Retirement Characteristics
- Sequence of Returns Risk
- Tax Treatment of Retirement and Investment Accounts
- Performance Comparison of Retirement Savings Buckets
- Retirement Rules
- Retirement Scenarios
Workshops
We are planning to offer a 1 or 2-day live Workshop session. We would love to hear your thoughts about it. Please add yourself to the guest list. Here are some key highlights.
- Tax-free retirement topics
- Overall financial planning topics such as taxes, portfolio, college, estate planning, etc.
- Presentation material handouts
- Mobile app access to Tax-Free Retirement Calculator
- Complimentary Personal Finance Report and consultation
DID YOU KNOW?
An investment growing at ~7% CAGR will double every decade, using the asset growth Rule of 72.
TESTIMONIALS
What our clients have to say
“Karthik has always offered sound financial advice based on my investment objectives and personal needs. His ability to distill insights from complicated financial matters is commendable. He backs up his advice with extensive research. He picked the best performing IUL plan to improve my tax-free investments profile.”
“Karthik is my trusted financial advisor and planner. He is very knowledgeable and keeps up to date with the latest financial products and tax laws. He is committed to helping people realize their retirement goals. He gave me a financial check up and as a result created a comprehensive retirement plan to help me allocate and invest my funds in a tax efficient manner. After working with Karthik, I feel I’m better prepared for my retirement.”
“I have known Karthik for several years. As an agent myself, I often find myself discussing tax-optimized retirement strategies with him. I trust his research and analysis to sift out the best performing financial product in the market. I strongly recommend Karthik for planning your specific retirement scenario.”
