Your local Instructor is an active participant in the financial services industry and has been taught the proper objectivity necessary to raise individuals’ overall financial literacy about investments and planning strategies. Instructors approved by AFES are dedicated to following the directive of the Dodd-Frank Act which is; to improve the financial literacy of adult Americans.

As your Instructor, I’m devoted to helping improve the financial literacy of adults 50 and over who are concerned about their retirement savings and how to ensure a safe, secure future. Our approach to financial planning differs markedly from the typical Wall Street approach because it considers all available options rather than just the narrow band that is traditionally touted by Wall Street and its representatives. Since circumstances vary by individual, one size does not fit everyone’s investment needs. Therefore, individuals are taught how to construct a financial plan for investing that fits their exact needs yet can be altered without pain should changing conditions warrant.

In each of our courses we examine and discuss investment choices and highlight the strengths and weaknesses of your options. I do not advocate shortcuts or secrets to wealth or investment gains but rather a conservative approach that fosters predictability, stability and availability to match the current and future needs of the individual. At the end of our courses individuals will have learned there is no “right” or “wrong” strategy, but rather “suitable” and “unsuitable” investments and “too large” and “too small” percentage allocations to otherwise suitable options for their individual circumstances.

As your Instructor, my goal is to help adults age 50 and older gain a clearer understanding of their financial options, especially those who are focused on protecting their retirement savings and building a more confident financial future. Rather than following the traditional Wall Street approach that often focuses on a limited set of strategies, our courses explore a broader range of available solutions designed to address each individual’s unique goals, circumstances, and concerns.

Because every person’s financial situation is different, there is no universal strategy that works for everyone. Our approach focuses on helping individuals understand how to create a personalized financial plan that aligns with their specific needs while allowing flexibility to adjust as life circumstances and market conditions change.

Throughout each course, we review various investment strategies, discussing both the potential benefits and limitations of each option. Our focus is not on promoting quick fixes, investment secrets, or unrealistic promises, but on developing a thoughtful and conservative approach centered around stability, consistency, and meeting both current and future financial needs.

By the conclusion of the course, individuals will understand that successful financial planning is not about finding a single “perfect” investment strategy. Instead, it is about identifying appropriate solutions, avoiding unsuitable choices, and determining the right balance and allocation of assets based on their personal goals, risk tolerance, and financial situation.