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 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

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

Join Twelve Points’ Chief Investment Officer, Steve Bruno, to hear him answer questions live from participants of this seminar!

We encourage you submit any questions you want answered in advance of this webinar to greg@twelvepoints.com.

Steve Bruno comes to Twelve Points with over 35 years of institutional investment management experience in both the Public and Private Equity sectors of the market. During that time he has served in various leadership roles including Co-President, Senior Portfolio Manager and Chief Quantitative Strategist.

As a portfolio manager, he managed over $2.0B in both long-only and long-short equity portfolios. Most recently he was associated with a private equity investment advisory firm which advised on over $1.0 billion in resilient energy transactions during Mr. Bruno’s tenure. Prior to that he was President and Chief Investment Officer at an investment management firm he founded in early 2007. He received a B.A. in Economics and his M.B.A. in Finance from New York University and is a CFA Charterholder.

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 on estate planning and the specific land mines for LGTQ individuals, lead by Brendan Ward of Cherry Tree Legal. BRENDAN L. WARD, is a Nahant resident, attended St. John’s Prep in Danvers and subsequently received his Bachelor of Science from the University of New Hampshire and his JD from New England School of Law. Brendan has received extensive training and coaching in Estate Planning that sets him apart from his peers through Wealth Counsel and the Family Wealth Planning Institute. Brendan continues to focus on estate planning for families with young children, same sex couples, together with elder care and intervention, trust and estate administration. His skills provide a depth of knowledge in probate practice and asset protection. Brendan in addition to estate planning and trust & estate administration, works on real estate conveyancing helping both buyers and sellers in the sale of real estate. Brendan spends a great deal of time volunteering in his local community. He is the past president of the Copley Society of Art Circle, past chairman of the town of Nahant Advisory & Finance Committee, the Secretary of local non-profit 01908, Vice President of the Board of Directors of Family & Children Services of Greater Lynn, a member of the Board of Directors of the Lynn Boys and Girls Club, and Trustee of the Lynn Home for the Elderly.

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. Webinar attendees will will receive:

• An overview of the current state of cybersecurity and trending threats
• Background about why you’re uniquely vulnerable
• Guidance for creating a culture of good cyber hygiene in your personal life
• Actionable and realistic best practices to reduce risk by an order of magnitude
• Tips for how to cut through vendor noise and determine what’s best for your needs

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