Financial Planning for the Under-35 Crowd

Barbara Adler

Monday, June 20, 9 AM

This workshop will focus on the basics of investing and will encourage participants to get an early start.  Far too many people reach retirement with no nest egg
and must rely solely on Social Security for income.

The following questions will be addressed and answered:

  • What are the advantages of beginning early?
  • Can’t I just wait until I can afford to invest in myself?
  • What are stocks, bonds, savings accounts, and mutual funds?
  • Which ones are right for me?
  • Do I need a financial advisor to assess my needs or can I do it all on my own?
  • How do you select a good one?
  • Why can’t I just put my money in the bank?
  • How does inflation affect investments?
  • What are some of the mistakes people have made – so I don’t repeat them?
  • How often should I review my account?
  • What is an emotional investor and how can I avoid being one?
  • How much risk can I tolerate?
  • How can I protect my investment by diversifying?
  • Does diversification change as I get older?
  • What taxes are generated by stocks, bonds, savings accounts and mutual funds?
  • How can taxes impact my investments?
  • How can I avoid taxes?
  • Why do I need to know about estate planning if I am young?
  • What are beneficiary designations and why are they so very important?
  • What are some retirement plan options?
  • Which ones suit my needs best?
  • So, how do I get started?

Currently the Treasurer of the AGO, Barbara Adler was a financial advisor in three states, Dean of AGO chapters in Hawaii and Eastern New York, and on the AGO Development Committee. Living in Kansas City since 2011, Barbara is the organist at St. Mary’s Episcopal Church and was on staff of Community of Christ. Two organ degrees were earned at the University of Michigan with Robert Glasgow, and the DMA at the University of Kansas with James Moeser. She has taught at three colleges and held church positions in eight states. In August she will move to Ithaca, NY.