IT'S NOT TOO LATE TO GET YOUR FINANCIAL HOUSE IN ORDER

PROGRAM DATES/TIMES/LOCATIONS:
6:00pm – 8:30pm

• Feb. 16, 2010; Morris County - Il Giordano, 41 Ridgedale Ave, Cedar Knolls, NJ 07927
• Feb. 17, 2010; Bergen County - The Brick House, 179 Godwin Ave, Wyckoff, NJ 07481
• Feb. 22, 2010; Union County - Mosaico, 1072 Route 22 West, Mountainside, NJ 07092
• Feb. 23, 2010; Middlesex County - Salt Creek Grille, Route 1 South (Princeton Forrestal Village), Princeton, NJ 08540
• Feb. 25, 2010; Monmouth/Ocean Counties - Villa Amalfi, 1006 Lakewood Rd, Toms River, NJ 08753

Program Description:
The NJ HFMA is pleased to offer these dinner sessions as a benefit to members and their guests. Participants at these dinners will hear experts in the field address:

• 401(k)/403(b) –
  Key advantages and disadvantages to using this retirement solution. Examples include tax-deferred growth, immediate tax deduction, and company match considerations.
  • Roth IRA –
    - Benefits of a Roth IRA compared to a traditional IRA.
    - Types of investors that are allowed to invest in a Roth IRA.
  • 2010 Roth conversion –
    What to consider when deciding to convert IRA funds into a Roth IRA.
  • IRA Rollovers –
    Why consider an IRA rollover compared to the other three options for your retirement plan when leaving a company.
  • Flexible Spending Accounts –
    The advantages of a health care and dependent care FSA and the importance of choosing the correct amount for the FSA.
  • Health Savings Accounts –
    How an HSA can help with both healthcare and retirement.
  • Advantages an HSA has over an employer based health plan.
  • 529 College Savings Accounts –
    Why to consider a 529 compared to other solutions for education planning including custodial accounts or an Education Roth.
  • Wills –
    The critical reason to have an updated will and how often you should review it.
  • Estate Planning –
    Key elements of estate planning and solutions to ensure protection and transfer of assets.
  • Year-end Tax Planning –
    Items to address and what changes can be made to help both in the current year and in future years.

  This program is being repeated at convenient locations throughout the state. Seating is EXTREMELY limited. Participation will be on a first-come first-served basis. Please identify your first and second choice of location.

   more information and the registration form