Missing Money Investigations

In this module, we describe the "victim," cover how money is not just cash, overview the lifelong need for money to achieve goals and navigate planned and unplanned transitions, cover the various locations you find money, and highlight money as an industry.

In this module, we cover the relationship between time and money, to include the time value of money, compounding interest, and the time and wealth cycle.

In this module, we cover how your confidence and competence with money matters can affect your personal finances, to include your vision, values and goals. We overview money decision-making and four money "scripts" that influence your financial behaviors.

This module covers how even small fees can have major impacts on your net worth. This includes account fees, investing and transaction fees, espense ratios, interest charges on debt, how credit scores affects costs, and professional financial services fees.

In this module, we overview the erosion of purchasing power, price instability, the causes of inflation, personal inflation, and how to mitigate the impacts of inflation. 

This module overviews Financial Risk, to include peril, liquidity, legal exposure, longevity, market volatility, and inflation. We evaluate risk capacity and tolerance, goal setting, risk management alternatives, insurance needs, contingency plan funding, identity protection measures, estate planning, retirement planning, and investment planning.

This module covers mandatory and discretionary expenses, cost of living, standard of living, spending behaviors, maintenance costs, spending psychology, spending and debt, cash flow assessment, debt to income ratios, credit repayment, and spending and saving plans.

In this module, you will gain a better understanding about state and federal tax obligations, and how taxes, deferring taxes, and tax planning can help you with your day-to-day cash flow. Understand the differences between marginal and effective tax rates, tax brackets, withholdings, estimated taxes, deductions, credits, adjustable gross income, taxable income, capital gains and net investment income taxes, and what free resources are available to help you with tax planning, even if you engage a professional tax preparer.