This class is presented by a 30-year veteran who understands the financial challenges and goals of Law Enforcement personnel. This class will benefit everyone of all ages and stages of their career.

FRS and how it works; Investment Plan vs. Pension and what you can actually expect to receive from either.

Deferred Comp/ 457- Why invest? Everything you want to know about Mutual Funds and the Stock market, Traditional IRA vs. Roth IRA

Banks– Why they are not your friend and how they are taking money from you every day

Credit Cards-They kill our finances. America just topped a record $1.2 trillion in credit card debt

Budgets– How to get started and why

Home buying- ALL the expenses and costs that get overlooked

Mortgages- 15 years vs. 30 years, HELOC, ARM

Car buying– Avoid the traps and tricks. Who actually qualifies for 0%/low-interest financing? Why you should never trade your car in. Understand how the car market works and how much you are actually paying.

Insurance– Car, Home, Life, Open Enrollment coverages. Many have the wrong coverage or too much. I will show how insurance really works and how you can save money each month and year. (Florida is one of the top 5 highest states for car and home insurance at an average of almost $1000 more a year)

(Refreshments provided by United Badges Insurance Services)