Health & Wealth

Workshops & Events

Increase Cash Flow

* Make money work better for you * Find and save more money
* Understand investments and build wealth *Protect and preserve your money
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Course Topics

Mission / Vision
Increasing Cash flow It isn’t about how much money you make, but how much you keep!

When you create your financial strategy, it’s important to know how much money you have access to and how, if possible, you can increase that amount. This money is your cash flow and can help you accomplish many things, including reducing or eliminating debt and increasing your savings.

Debt Management

One of the biggest obstacles to a sound financial future is consumer debt. It’s important to have a strategy that can help reduce and eliminate debt.
Here are some approaches you can take:

Pay more than the minimum, as much as possible within your budget, on the credit card/ loan with the highest interest rate. Once you pay off that credit card/loan, begin paying off the next highest interest rate credit card/loan.
Consider transferring credit card/loan balances to a card with a low interest rate that is offering a promotional, no fee transfer option. Don’t hesitate to call the issuers of all your credit cards to ask for a lower rate.
Quit charging. Put your credit cards away so you don’t consider charging on them while you’re paying down your debt or after it’s paid off.

There are many other things you can do to reduce debt.

Building A Strong Financial Foundation

* Understand investments and build wealth *Protect and preserve your money
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Course Topics
Financial concepts and solutions may not be the most exciting subject. But with discipline and patience, you can learn and understand the fundamentals. And you can build a good financial foundation.

Proper Protection

Course Topics

How to have a strong protection plan
Do I need life insurance?
If so, how much should I have?
Different types of life insurance.
How to choose the most suitable plan for your family.

Building Wealth

Course Topics

Better understand how to earn a reasonable rate of return on your resources.
To appreciate the effects of time and taxes on your asset’s growth
To be able to understand some of the differences between Mutual Funds and Variable and Fixe Annuities.
To know the difference between Active and Passive management of your resources.
To understand how to take care of your children and their college/university needs in the future.

Asset Accumulation

Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.

In today’s world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

Retirement Planning

Course Topics

What sources of income you can have when you retire
Understand key differences among fixed, indexed, and variable annuities
How IRAs and retirement plans work.
What is my plan for Long Term Care?
Does Medicare cover all of my costs?
Estate Planning is not only for the wealthy.

Wealth Preservation

HIFE College Planning Program

Determining the most cost-effective, tax-efficient way to fund a college education is not always easy. Many parents would prefer not to think about it at all – hoping that things will somehow work out. Due to the “cross-your-fingers” approach, many families face limited choices for college. In order for families to best prepare for this future event, it is important to understand college pricing, the admissions process, financial-aid and how to best navigate the entire complex college-funding system. The Heartland Institute employs a variety of strategies to help position families and students to receive optimal placement and funding.