Top
The
Lane Financial Institute™
Established 1989
Seminars
Except for the free Senior Seminar, Morning Sessions qualify for continuing education
Check the Course Catalog for CPE, MCLE or INS CE credit available.
- 10 MISTAKES THAT SENIORS MAKE WITH THEIR FINANCES
An Update on Changes in the Capital Markets -
Employee Stock Options: Tax Efficient Exercising
A Capital Gains Avoidance Trust: Creating Income Through Charitable Giving
Employee Stock Ownership Plans: Another Way to Raise Corporate Capital
Foreign Investment in the United States: The Risks and Rewards
Offshore Planning for Business Owner's: Truth or Dare
Prepaid Tuition Savings Plan: A Tax Free Way to Pay for College
Business Enterprise
Passport to Retirement
Voluntary Employee Benefit Association
(VEBA)
Self Directed ROTH IRA's
Structuring
Business Ownership For Tax Savings
Managed Futures Funds
10
MISTAKES THAT SENIORS MAKE WITH THEIR FINANCES
FREE EDUCATIONAL PROGRAM - WITH NO COST OR OBLIGATION
If you are a senior with retirement income on
your mind. You're tired of the same useless information over and over
again. And you're tired of being more confused when you leave a program
than when you arrive. This free educational program is unlike any
other. It's packed with 90 minutes of valuable information that can help
you increase your spendable income while decreasing your taxes. Topics
include:
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How to uncover you hidden income |
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How to reduce taxes on your Social Security benefits |
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How to avoid investment scams |
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How to limit your IRS contributions |
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How to protect your assets from healthcare catastrophes |
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How to make sure your savings are safe and secure |
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How to simplify your financial affairs and enjoy your "golden years" more. |
This seminar is fun and entertaining as well as educational. Win a GIFT CERTIFICATE and other door prizes! Plus enjoy a light complementary buffet immediately after the program.
An Update on
Changes in the Capital Markets -
$25 for morning session, $15 for evening
sessions
In this course we will discuss the role of the
Federal Reserve and Alan Greenspan, his recommendations on interest rate movements and how
they effect the Capital Markets and the rest of the economy. We will also look at current
trends / risks that the Fed is watching and discuss sector analysis. This
course we will also discuss:
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History of Interest Rate Movements |
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Various Sector Analysis |
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How will this Effect The Economy? |
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What are the Risks / Trends? |
Employee
Stock Options: Tax Efficient Exercising -
$25
for morning session, $15 for evening sessions
Knowing how and when to use stock
options can have a dramatic impact on the holder's financial well-being. Employee
Stock Options will show you how to maximize the benefits of employee stock
option plans. Learn the difference between qualified and non-qualified
stock options, the tax treatment of options and ways to exercise them.
Find out what factors to consider when keeping or selling company stock.
Discover the importance of diversification, and how stock options fit into a
comprehensive financial plan. The subjects to be covered will include:
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Understanding your stock options |
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Nonqualified stock options |
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Incentive stock options |
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Ways to exercise your stock options |
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Keeping or selling your company stock |
| The importance of diversification |
A
Capital Gains Avoidance Trust: Creating Income Through Charitable Giving - $25
for morning session, $15 for evening sessions
(All
Proceeds from this course will be donated to The American Red Cross)
Charitable Trust strategies still provide some of
the most powerful tax saving and wealth protection strategies available
today. Few people realize that the addition of a Charitable Trust to their
financial/estate plan may increase their overall net worth by giving them a tax
efficient way of diversifying out of assets with large built-in gains. In
order to receive the various tax benefits available to creators of these
Charitable Trusts, a charity of your choice must receive a financial benefit
calculated according to tables published by the IRS. This course will
discuss
who can
benefit from a charitable trust, and how the new tax law changes affect their
use. Charitable trust strategies can provide:
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Alternatives for professionals with topped out pension plans |
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Tax savings to help people relocate to less expensive homes |
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Tax savings to help business owners retire from companies built on sweat equity |
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Alternatives to reverse mortgages |
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Tax savings to allow landlords to retire from managing low basis real properties |
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Funding for child or spousal support obligations |
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A tax efficient means to divide community assets from a marriage dissolution |
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A way to help your favorite charity in a very meaningful way |
Employee Stock Ownership Plans: Another Way to Raise Corporate Capital
$25
for morning session, $15 for evening sessions
As a business owner you may qualify for significant tax benefits by selling ESOP shares without paying
capital gain taxes. ESOP can also provide a market for thinly-traded stock,
generate capital to buy another company, purchase a retiring stockholder's
interest and may provide cash flow for many other purposes. In this class you will also
learn the following:
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General Description of an ESOP |
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How to sell your business and pay no tax |
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ESOP's and tax-favored financing |
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Leveraged ESOP's: Another Way to Raise Corporate Capital |
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Summary of Tax Incentives for ESOP's |
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Determining the value of Stock held in ESOP's |
| Potential Problems and Pitfalls |
Foreign Investment in the United States: The Risks and
Rewards-
$25
for morning session, $15 for evening sessions
As
a foreign investor there are many risks and advantages to investing in the U.S. You
will learn when pre-investment planning is beneficial and appropriate as well as
the assessment of U.S. estate tax on foreigners. This coursed is designed to provide
the necessary tools to explain how income tax is imposed on resident and non-resident foreign
investors and the desirable residency status for each type of income. Additional subjects will
include:
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Why invest in the U.S.? |
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Why is it complicated? |
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What are the tools? |
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Samples of tax saving strategies |
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Why isn't everyone doing it? |
Offshore Planning for Business Owner's: Truth or Dare
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$25
for morning session, $15 for evening sessions
This
course will explain the advantages and opportunities of planning your finances
offshore. You will learn how to best protect your assets, income tax saving
strategies, estate tax savings and how to defer paying your taxes. This
course will explain the valuable tools necessary to protect your assets, the
types of income that should be kept overseas and who benefits most from this type of investment. The course will also discuss:
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Why offshore? |
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What are the tools? |
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Samples of tax savings strategies |
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Why isn't everyone doing it? |
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Who are the best candidates? |
Prepaid
Tuition Savings Plan: A Tax Free Way to Pay for College -
$25
for morning session, $15 for evening sessions
The cost of a college
education grows higher every year, at more than twice the general rate of inflation. This
course will introduce you to the prepaid tuition savings as
a powerful way to save for your child's education through tax savings provided
to through a very attractive provision in the internal revenue code. Most
importantly you can receive these benefits with out giving up total control of
your investment. This plan has no
restrictions on income, age nor institution or state. In this course you teach
you how these plans work and investment options currently available. Also discussed in this the
class will be the following:
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Trends in College Costs Today |
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What will college cost for your child? |
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Are you prepared to meet these goals? |
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Tax benefits |
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Most Costs Covered of Higher Education |
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Estate Planning |
Voluntary
Employee Benefit Association (VEBA) -
$25
for morning session, $15 for evening sessions
Welfare Benefit Plans known as VEBA's are still
a powerful wealth building tool under the tax law today! When properly designed,
a VEBA is a flexible but underused tax
tool. A VEBA can produce immediate tax
deductions. The assets compound and grow tax
deferred. Monies in the program are protected from creditor claims,
liability lawsuits and divorce settlements.
Codified in 1928, the majority of
unions have operated welfare plans for years and Fortune 500 companies
(AT&T, Kodak, Carolina Power) use these plans with over 20,000
VEBA's currently in use. When properly constructed a VEBA can provide millions of dollars in estate
and income savings, to closely-held businesses as well. This course will explain:
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Why should a business consider a VEBA? |
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Tax and Legislative History and VEBA requirements |
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How to use VEBA's with
Estate Planning |
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How VEBA's can be beneficial in restructuring a business's buy and sell agreement. |
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How a VEBA can be used to make large deductible contributions in a business's peak earning years and reduced contributions in lean years. |
Self-Directed
ROTH IRAs: The neglected tax shelters
$25
for morning session, $15 for evening sessions
Once an asset have been properly deposited into or aquired by
a ROTH IRA, the owner of the plan may never pay income taxes on the income
from that investment again. The permanent tax savings from ROTH IRAs offer a
tremendous wealth building opportunity when properly designed and funded by high-income producing assets. In this course you will learn:
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What is a Self-Directed ROTH IRA? |
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What kind of investments can a ROTH IRA make? |
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How can you consolidate IRAs? |
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How tax benefits can enhance you investment yield. |
Structuring Business
Ownership for Tax Savings
$25
for morning session, $15 for evening sessions
This course will explain the ways in which business owners
can save taxes by using several underused tax strategies. Under the proper
circumstances, Custom-designed Insurance policies, Self-Directed Pension and IRA's,
Employee Stock Ownership Plan (ESOP) and Voluntary Employee Benefit Association
(VEBA) plans can provide millions of dollars in tax savings that can give
business owners the extra cash necessary to retire years earlier. This course will also explain how to best protect your
assets from frivolous law suits and will identify the most likely candidates
to benefit
from each of these tax strategies. Topics covered will include:
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How to Sell your Business and Pay less taxes |
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Asset Protection, Estate Planning |
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How to use an ESOP to raise capital for or sell your business tax-free |
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What business structure derives the most benefits from a VEBA |
| Where a ROTH IRA can fit into your business planning? |
Managed Futures Funds
$25
for morning session, $15 for evening sessions
The Commodity markets and
Managed Futures Funds are a mystery to most investors. This course will
cover the history of managed futures for various commodities that are traded by
professional managers and the role they play in the capital market. The
instructors will discuss the risks and rewards for investors in these funds and
the tax consequences associated with Futures contracts. There will be
illustrations showing how managed futures may fit into an investment strategy
and how they may effect the risk/reward tradeoff of a diversified
portfolio. Topics will include:
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What are Managed Futures Contracts? |
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How are they different? |
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How are they taxed? |
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Risks in Managed Futures Funds? |
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Hedging the Risks |
Business Enterprises
-
$35
per session, $125 for a series of 4 sessions.
Running a business can be very demanding. Faced with immediate challenges each
day, it is often difficult to take the necessary time to consider "the big
picture" by having a financial management strategy in place. This
course will explain risk management, employee benefits, retirement plans, estate
conservation, as well as how to protect your enterprise and what funding vehicles
options are available to businesses. We will also discuss methods for determining the valuation for your company,
analyses of the cost approach, insurance as a primary tool for managing risk,
selling your business and what eventually will happen to your business.
With 40% of businesses failing within the first two years it is essential for
the success of your company and personal finances to develop an
integrated financial plan.
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Why Most Business Fail? |
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The Need for Business Planning |
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Employee Benefit Plans |
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Advanced Estate Strategies |
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Investment Management |
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Business Continuation |
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Retirement Planning |
Passport to Retirement
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$35
per session, $125 for a series of 4 sessions.
Regardless of age or income it is
important to plan for your financial future. The decisions made today can
directly impact your ability to enjoy retirement. Only 36 percent of U.S.
workers have tried to set a retirement saving target. And half of 401(k)
plan participants aged 51 to 60 have accumulated only $10,000 ( or less) in
their retirement accounts. People recognize the need to make good
financial decisions to improve their financial well-being and prepare for the
future. This workshop will discuss how to:
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Set realistic retirement goals |
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Assess the cost of retirement |
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Identify sources of retirement income |
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Protect wealth and assets |
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Manage a retirement plan distribution |
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Provide for family and heirs |
Passport to Retirement is team taught in several modules and can be customized to meet the needs of corporate customers who wish to provide employee education as an employee benefit. The company can choose from the following modules:
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Define and Create Your Retirement
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Assess The Costs
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Evaluate Sources of Income
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Invest for the Future
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Protect your Health and Wealth
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Receive Funds from a Retirement Plan
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Manage Your Estate
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Return to course Description:
- 10 WAYS SENIORS MESS UP THEIR FINANCES