Financial Planning

Responsible Investing: Aligning your financial goals with your values

The world is changing faster than ever, with environment and social pressures growing more acute. Climate change, shifting demographics and the technology revolution are reshaping our planet. For investors, this rapidly changing landscape creates opportunities to potentially reduce risk and improve returns all while staying consistent with their values.

So what is Responsible Investing? It's an approach to investing that aims to incorporate environmental, social and governance (ESG) factors into investment decisions, to better manage risk and generate sustainable, long-term returns. 
 

Responsible Investing Presentation

 

Financial Planning 101

Get a better understanding of a number of financial planning topics.

 

Financial Planning 101 Presentation

 

Basics of Taxes

Taxes can be confusing, especially if you haven’t had to file a return before.  This discussion will cover the basics of the income and gift taxes from how they work to how to file. This discussion will focus more on the basics, with some minor commentary on the changes related to the new tax laws.
 

Basics of Taxes Presentation

 

Child Protection Planning

Becoming a parent is a joyous and life altering event. It can also have a serious impact on your finances. How can you best protect your children? How can you best plan for their future?
 

Child Protection Planning Presentation

 

Retirement Planning

Learn what questions you should ask, basic expenses you should consider, what resources are available to you and steps to create a retirement plan. 
 

Retirement Planning Presentation

 

Basics of Investing

Whether you are investing on your own, through a Roth IRA or your company’s 401(k), the basic philosophy of investing is the same: there is a trade off between risk and return.  This discussion will cover the basic building blocks of stocks and bonds as well as discuss the pros and cons of more complicated vehicles including mutual funds, ETFs, annuities, employee stock options and real estate.
 

Basics of Investing Presentation

 

Investment Accounts

The US government has encouraged long term savings by offering many different tax breaks for saving.  Mark sifts through the various types of accounts offered through employers and to individuals while discussing which accounts may be suitable for different stages of life.

Investment Accounts Presentation

 

Education Planning

Start thinking about planning for your children’s education.  Mark will provide a basic overview of costs and how to consider how much to pay.  He will then discuss the financial aid process and the vehicles available to save for college.  Mark will focus on how each of the college savings vehicles fare in fighting the 4 battles in saving for college.

Education Planning Presentation

 

Insurance Concepts

Insurance is a useful tool in the Financial Planning Toolbox, but education is key to make the personal decision of what risk to take and what risk to pay to pass off to an insurance company.  Mark will discuss the basics of Auto, Home, Renters, Life, Disability, Long Term Care and Health Insurance in this information packed session.
 

Insurance Concepts Presentation

 

 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

 

Financial planning offered through Northeast Planning Associates, Inc. (NPA), a registered investment adviser (RIA).  Securities and advisory services offered through LPL Financial (LPL), a RIA and broker-dealer (BD), member FINRA/SIPC. Credit union is not a RIA or BD.  Insurance products offered through LPL or its licensed affiliates. LPL registered representatives offer products and services using MITFCU Investment and Retirement Planning. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, CO, CT, FL, GA, IL, MA, MD, ME, MI, MN, NH, NV, OH, PA, RI, TN, VA, WA. These products and services offered through NPA, LPL, or its affiliates, which are separate entities from, and not affiliates of the credit union, are:

Not Insured by NCUA or Other Government Agency, Not Credit Union Guaranteed, Not Credit Union Deposits or Obligations, May Lose Value