Link to Let's Talk Money Workshops

Let's Talk Money

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All are free. No registration required.

Friday, January 24, 10-11 a.m., Central Library Conference Room

The Road to Financial Independence: Developing Smart Financial Habits in Early Adulthood Seminar

This seminar covers key findings from the Merrill/Age Wave Study, Early Adulthood: The Pursuit of Financial Independence, including why it's important to develop smart financial habits in early adulthood.  In this seminar, we’ll be sharing some findings from the study as well as next steps you can take - or help your adult child take - to establish smart financial habits as an early adult.  If you are the parent (or grandparent) of a young adult, this seminar is for you.  We will provide important information you can give your loved ones to help them on the path to financial independence. 


Friday, February  21, 10-11 a.m., Central Library Conference Room

Investing Basics: Helping you Make Educated Decisions Seminar

Everyone has different reasons for investing. Even for experienced investors, there can be unanswered questions as markets and the investing landscape continue to change. Today, we’ll discuss answers to questions we believe you should be asking. The goal is that you feel informed about how to invest (i.e., your investing strategy), and that you feel confident creating an investment strategy that is specific to you.


Friday, February 28, 10-11 a.m., Central Library Conference Room

Protecting Your Wealth From Healthcare Costs in Retirement Seminar

In a recent study, 72% of retirees and pre-retirees said health problems are their #1 concern.  In this seminar, we address health concerns and their impact on Retirement.   First, we review Medicare - what it covers, and more importantly what it does NOT cover. We discuss the different Medicare plans, enrollment, and ways to estimate your potential out-of-pocket healthcare costs.  Second, we will discuss strategies to protect from the impact of a significant health event through long-term care insurance and other Medicare gap plans.  Finally, we will discuss ways to build a healthcare funding strategy that complements your larger financial goals.


Friday, March 20, 10-11 a.m., Central Library Conference Room

Education Planning Client Seminar

For parents or grandparents, an education funding strategy can help instill the value of education in your children or grandchildren. It also can remove significant assets from your estate, and may reduce federal estate taxes, while allowing you to retain control of those assets.  This seminar covers education funding options - including loans and tax-advantaged investing options, (UGMA/UTMA and 529 plans) - as well as gifting rules.


Friday, March 27,  10-11 a.m., Central Library Conference Room

Social Security and You Seminar

When the Social Security Act was first introduced, the average retirement period was about 10 years. According to the U.S. Census Bureau, the proportion of the U.S. population eligible to collect Social Security doubled, from just over 6% to 12% from 1940 through 2008. Fast forward to today and over 40 million people over the age of 65 are receiving benefits.  Understanding social security and how to maximize your benefits is important to all retirees.  Join us as we go over how social security impacts your retirement.


Friday, April 17, 10-11 a.m., Central Library Conference Room

Behavioral Investing: An Innovative Approach to Investing Seminar

The influence of perspective on reality is so profoundly important to human decision-making, that Daniel Kahneman won the Nobel Prize in 2002 for demonstrating its importance in the area of economics in a concept which became known as “behavioral finance”.  So what is behavioral finance and how is it meaningful to you?  In this seminar, we discuss the concepts and illustrate how behavioral finance impacts your investment considerations.


Friday, April 24, 10-11 a.m.,Central Library Conference Room 

Taking Control of Your Retirement Seminar

In this seminar, we’ll talk about one of the most life-altering financial turning points each of us will experience — the transition to retirement — and the challenges and risks associated with it, as well as some potential strategies. Join us for an informative seminar during which you’ll get a better understanding of 1) Common retirement issues such as longevity, withdrawal, investment and inflation risks—and ways to help manage them; 2) How to identify your retirement goals, and more importantly, prioritize them based on what matters most to you; and 3) Techniques for building a portfolio aligned to your priorities—leveraging a range of solutions.


Friday, May 8, 10-11 a.m., Central Library Conference Room

Identity theft and fraud: What you need to know to help protect yourself

You’ve heard the stories and seen the headlines. Identity theft and online fraud are becoming increasingly common. The threats include fraudsters issuing new credit in your name, using your current credit cards without your permission, gaining access to your bank accounts, and hijacking your email. But there are ways to protect yourself and keep your personal information secure. Merrill Lynch wants to help educate you about common types of fraud and steps you can take to reduce the risk of becoming a victim.  Join us to learn how to keep your identity and financial information safe.


Friday, May 15 , 10-11 a.m., Central Library Conference Room

Understanding Credit

Your credit score is a big part of your financial identity. It can be the most important factor in determining whether you can get a loan and how much it'll cost you.  When it’s good, it can help you get access to lower rates, which enables you to borrow for both short-term emergencies and longer-term bigger-ticket items.  Bad credit can affect you in areas of your life you wouldn’t even expect.  Take employers and landlords, for example. They may look at your credit score to see if you’d be a responsible employee or tenant.  From carrying a balance to cancelling your credit card, there are a number of ways your financial decisions can affect your credit score. Learn about the factors to building and maintaining a healthy credit score. Brought to by Bank of America's Better Money Habits in partnership with Khan Academy.


Financial Advisor Rob Odishoo, from Merrill Lynch, shares his wealth of knowledge in this free series of financial workshops.  This program is for educational and informational purposes only (no sales) and is not intended for financial, tax or investment advice.  Newport Beach Public Library does not endorse or recommend any of the financial information or materials associated with this presentation.