Twelve points Webinars

We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued/Undervalued
• Trends We See Developing
• How to protect yourself in 2025

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney
• Advance Medical Directive
• Kids’ Protection Plan

Scammers use clever techniques to steal personal information and data. This seminar can help participants recognize scams and learn industry best practices to help them protect themselves, their families, and their finances.

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

As clients approach retirement, it is more important than ever to understand the impact that Medicare has on both their healthcare and retirement income. Use this seminar to help clients consider their Medicare options and make the best decision for their situation.

Buying and selling real estate is one of the most confusing and multi-pronged undertakings you’ll ever be involved with. We break it down for you with easy-to-understand discussions of:

• Credit Scores & Affordability
• Down Payments & Close Costs
• Mortgage Process & Home Inspections
• Effects of Interest Rates On Housing Market
• Working With a Real Estate Agent
• Buying vs. Renting

Aram Verdiyan from Accolade Partners will join Twelve Points to discuss the opportunity in blockchain technology and the current state of the crypto market. Topics will include adoption of blockchain technology, uses and applications of blockchain, current risks, update on the regulatory environment and ways investors can get exposure to the blockchain asset class.

Conversations and exercises to raise financial awareness for kids of all ages.

There are five powerful forces that are transforming the trajectory of the global economy, shifting the priorities of societies and redefining business models – as well as changing the face of investing. We call these megatrends. In this seminar, we discuss today’s most exciting opportunities — from autonomous driving to artificial intelligence — and how clients can invest in megatrends.

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• Job Changes
• Equity Compensation
• Charitable Donations
• Family Changes
• Investment Tax Considerations

HUMANS ARE SMART. But sometimes our emotions take over, and we use the “gut instinct” part of our brain instead of the critical thinking part. This is especially true when it comes to investing.

Learn why we make emotional decisions about our money and how to get the most out of your investments — despite your instincts.

• Provides Clear guidance on key elements of retirement
• The Important of a plan, longevity, Social Security, and retiree health care costs
• Align cash flow with client goals, understand loss aversion and help clients stay invested

We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued/Undervalued
• Trends We See Developing
• How to protect yourself in 2024

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney
• Advance Medical Directive
• Kids Protection Plan

Corporations of Every Size Are Not Immune From The Constant Dangers of Hackers, Cyber-terrorists, And Ransomware. However, There are Actions You Can Take to Ensure Your Cyber Liability Risk is Reduced and Even Mitigated.

Hope for the best, but prepare for the worst with these topics:

• Term vs. Permanent Insurance
• Factors Affecting Cost
• Disability Insurance
• Tax Advantages of Insurance

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

Investors’ thoughts and emotions affect investment decisions, often turning a well-intentioned investor into his or her own worst enemy. In this seminar, we highlight the two emotions, loss and greed, which underlie most of investors’ bad investing behavior. We also discuss the role advisors should play in helping investors become aware of their behavioral biases and put a plan in place to mitigate the impact they have on investors’ portfolios and goals.

Tips for caring for your own finances first, while supporting aging parents and launching your children.

• Aging Parents & Financial Support
• Financial Independence for Children
• Third Act Planning – Becoming an Empty Nester

There are a lot of ways to save your hard-earned money and accomplish your financial goals. If you want your money to have the possibility of growing over time, you may want to consider investing your savings. Not familiar with investing? Don’t be intimidated, it’s not as complicated as it sounds.

• Types of Investments
• The Power of Compounding
• Risk vs. Reward
• Diversification / Asset Allocation
• Volatility
• Bull & Bear Markets

This presentation is an overview of estate planning and the specific land mines for LGTQ individuals, lead by Brendan Ward of Cherry Tree Legal.

Social Security claiming strategies are complex, and it can be easy for participants to make mistakes. This seminar reviews features of spousal benefits, recent changes to Social Security, and how to coordinate benefits with a spouse. We also discuss options available to participants who are widowed, divorced or have worked in a government position that did not pay into Social Security. The seminar provides you with answers to most Social Security questions.

Many women are solely responsible for their finances or are a major breadwinner in their family. They are seeking advice and guidance more than ever before. This webinar serves to help female investors define what wealth means to them, learn how to make sense of the headlines today, and gain actionable steps to build their financial foundation.

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• Job Changes
• Equity Compensation
• Charitable Donations
• Family Changes
• Investment Tax Considerations

Things to consider for your personal finances now, and in the future, with a changing economy and new legislation:

• SECURE ACT 2.0
• Social Security Updates
• Inflation Rate

Building wealth is a lifelong journey, and as with life, there are stages to building wealth. This seminar walks participants through each stage, exploring actions they can take and missteps to avoid, helping them pursue wealth that may last a lifetime or beyond.

We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued/Undervalued
• Trends We See Developing
• How to protect yourself in 2023

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney
• Advance Medical Directive
• Kids Protection Plan

Tips on how to assess and manage your outstanding student loans and other debt. How to balance saving for retirement or goals, while paying off debt.

• Student Debt Consolidation/Refinancing
• Payment Strategies
• Tools to Help
• Retirement Savings vs. Debt Payments

In this Cybersecurity Awareness Month Webinar, BlackCloak’s Devin Archer and Kerry Tary will lead a conversation about how to protect your personal digital life in this era of unprecedented digital risk.

This month, we discuss key components of retirement; social security and managing health care costs. Topics will include:

• Future of Social Security
• How Social Security Benefits are Determined
• Social Security Spousal/Survivor Benefits
• Reviewing Health Care & Long-Term Care Costs
• Types of Medicare Coverage
• Health Savings Accounts (HSAs)

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

Updates on forgiveness, refi rates, and current events for advisors to assist their clients.

Learn more about common insurance products that most have to deal with in their financial lives:

• Auto Insurance
• Home Insurance
• Renter’s Insurance
• Umbrella Insurance

While these can be sensitive topics, they can be of upmost importance in your financial plan for the future:

• Caring for elderly parents/spouses
• Medicare planning
• Long-Term Care Insurance

Trying to navigate and maximize the benefits you are offered through your employer can be challenging, but extremely important. This month’s webinar will aim to help you sort through the “Alphabet Soup” of benefits you may have available to you:

• 401(k) / 403(b)
• Health Savings Accounts (HSA) / FSA
• Health / Dental Insurance
• RSUs / Stock Options

This month we will discuss strategies around Gifting, Trusts, and Estates. These topics are especially important due to recent changes in legislation.

Buying and selling real estate is one of the most confusing and multi-pronged undertakings you’ll ever be involved with. We break it down for you for you with easy-to-understand discussions of:

• Credit Scores & Affordability
• Down Payments & Close Costs
• Mortgage Process & Home Inspections
• Timing
• Working With a Real Estate Agent
• Buying vs. Renting

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• Job Changes
• Equity Compensation
• Charitable Donations
• Family Changes
• Investment Tax Considerations

The inflationary environment we find ourselves in today is a radical change from the deflationary environment we have been in over the last 30+ years.

Join this webinar for a conversation on how inflation may affect your family and day-today life, as well as your investments.

Hope for the best, but prepare for the worst with these topics:

• Term vs. Permanent Insurance
• Factors Affecting Cost
• Disability Insurance
• Tax Advantages of Insurance