It’s about financial success as your employees define it — on their terms and timeline. Our complimentary, interactive workshops are designed to help them learn about topics that will shape their financial future.
Car Buying Strategies
Looking to buy a new car? We can walk you through the whole auto-buying process. You’ll also learn about Tech Auto Shopper#, our free auto buying service. We actually do all of the legwork — no negotiating, no hassle, and you can save .25% off your loan rate.
New to the country/workforce
Moving to a new country and beginning a new life presents its own set of distinct challenges. Learn about the financial products and services (auto loans, credit cards, etc.) we offer through our Global Members program to make this transition as smooth as possible.
Solving the Mystery of Credit Reports
Credit reports and credit scores, as well as the rights and responsibilities that accompany them, are a concern to many consumers. This seminar provides an overview of credit bureaus, credit scoring and the Fair Credit Reporting Act as well as specific guidance on disputing inaccuracies, improving the credit score, and dealing with identity theft and fraud.
Building a Better Budget
A budget is the most powerful tool available for establishing financial control. After identifying short, mid, and long-term goals, participants learn how to design realistic spending plans to live within their means and savings plans to reach their goals. Within that framework, we discuss different options available for getting — and staying — out of debt.
Ten Steps to Financial Success
Financial success is not always dependent on income. From developing a spending plan that works to setting goals, this presentation covers the core concepts necessary to develop and maintain personal financial control.
Financial First Aid
There are many circumstances in life that can destroy even the best money management plan. This workshop is specifically for members in crisis — focusing on regaining control of the financial situation through careful financial assessment, expense prioritization, and effective negotiation with creditors.
Purchasing a Home in Today’s Competitive Market
Understand issues facing both buyers and sellers in the current real estate environment. Learn how to manage the property search and financing process — and move towards your goal of home ownership.
Successful Home Refinance
Discover the benefits of refinancing — including lowering your rate and reducing your monthly payments — while also shortening your term and paying less interest overall. Learn about timelines, required documentation, home values, credit history, rates, fees and points.
First-time Home Buying
Buying a home for the first time can be a true learning experience! Understand the benefits and pitfalls of home-ownership. Become familiar with the mortgage process and how to read a standard purchase contract. Realize the importance of choosing an experienced and professional real estate agent.
College Planning and Funding
Learn about a variety of education funding options — including 529 College Savings Plans.
Fixed Income Strategies
Learn about strategies to create an income stream and improve cash flow while minimizing risk — including options with principal protection features and FDIC insured brokered CD’s.
Prepare for your future! Learn about the key elements of financial planning, such as identifying your near, mid, and long-term goals and developing a tax-advantaged financial guide. Find out the true cost of credit card debt and discover the three critical components of a sound investment plan.
Private Banking: Is it for me?
Explore what it means to have a Private Banker—a skilled financial professional dedicated to you and your family’s unique financial goals. Learn about the exceptional level of access, personal attention and exclusive benefits.
Stock Options Planning
Stock Options can play an important role in your overall compensation. Understand stock options, the tax consequences and impact on personal income in order to maximize this employee compensation benefit. Learn necessary concepts for proper planning and option exercise timing.
Smart Investing for the “New Retirement”
Today’s uncertain financial and geo-political climate calls for a thoughtful approach to saving and investment strategies. Determine the investment portfolio approaches that work for you. Calculate the potential cost of your retirement today, as we help you create growth, income and stability for the future.
Estate Planning Demystified
Estate planning is vital for an estate of any size. Discover the key objectives of estate planning. Ensure that your family is taken care of and that your financial goals are met in the event of your incapacity or death.
Insuring Against the Unexpected
Learn how to protect your assets with various types of insurance options. Life insurance offers the ability to provide important liquidity and immediate financial protection, along with the possibility of increasing equity in the future. Insurance can be an important component of your financial plan.
Tax-Advantaged Investment Strategies
Find out about effective strategies to manage taxes and grow your assets. Explore investments that offer income exemption from federal taxation, alternative means of deferring taxes on income until either maturity or withdrawal, as well as tax-advantaged investments that can shelter a portion of your investment income.
Transfers and Rollovers of Retirement Account AssetsDiscover options for retirement assets held in either an IRA or former employer 401(k) plan. Learn how to review your investments — ensuring that they match your risk profile and time horizon, offer a seamless transfer, and avoid potential tax implications.
The importance of Long-Term Care
The potential threat of long-term care expenses may be one of the biggest financial challenges facing individuals and their families. The U.S. Department of Health and Human Services estimates that 70% of people over age 65 can expect to need long-term care services at some point in their lives. An early understanding of the types of long-term care services — and what those services cost — is critical as you consider the value and timing of a purchase.
Understanding Social Security
Learn more about the benefits you can take advantage of either prior to, or at full social security age. Understand ways to maximize your future monthly cash flow. Discover valuable strategies surrounding your Social Security benefits and timing.
*Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with Technology Credit Union. Investments are: ● Not FDIC/NCUSIF insured ● May lose value
● Not financial institution guaranteed ● Not a deposit ● Not insured by any federal government agency. FINRA Registered Branch: 2010 N. First Street, Suite 500, San Jose, CA 95131
#Tech Car Shopper is a service of Global Auto Solutions, an independent service provider licensed by the California Department of Motor Vehicles and not affiliated with Technology Credit Union.
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