Educational SeminarsNorth Star Medical Division North Star Careers
Click on a category below to view a list of topics for each.
Provide the Financial Education Your Employees Crave
We can help provide the financial knowledge your employees need to get a head start on preparing for the future. Your employees will have the opportunity to attend timely, relevant seminars on today’s financial topics.
We will work with you to develop a customized education program that meets your company’s needs — including determining the location, frequency and length of seminars. A brief description of each seminar is available by clicking on the links below to assist you in the selection process.
Let us help you promote your seminar! We’ll also work with you to promote the financial education topics you’re making available to your employees. Customized promotional materials including flyers, posters, payroll stuffers and invitations are available for each workshop.
Individual Financial Management:
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Tax Management:
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Business Financial Management:
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Retirement Planning:
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Insurance Planning:
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Estate Management:
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Identity Theft Protection:
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A brief description of each workshop is provided below to assist you in the selection process.
Individual Financial Management:
Financial Planning 101
(1 hour; 1 Insurance CE Credit Available)
What are the secrets to financial security? (1) Spend less than you earn; (2) Stay out of debt; and (3) Build for the future! If you can learn to apply these three great secrets you have the potential to achieve Financial Security. Unfortunately, it’s not that simple. We struggle due to a lack of knowledge, will power, and commitment. Furthermore, information overload can add to the confusion. For most of us, wealth success can be defined as a financially comfortable retirement. This educational workshop will assist you by providing valuable knowledge about Debt Management, Risk Management, Capital Accumulation, Mutual Funds, Tax Advantaged Investments along with other basic strategies to help you move ahead to achieve potential wealth success.
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Overcoming the Roadblocks to Financial Success
(6 hours; 6 Insurance CE Credits Available)
This edcuational workshop discusses the six key areas of personal financial management: risk management, cash management, investment planning, tax planning, retirement planning, and estate planning. We will assist you in identifying which approach you should take to meet your financial objectives. In addition, we’ll help you sort through the confusion and show you proven strategies to help you reach your financial goals. And we’ll pass along some specific tips you can use right now. This workshop is a six hour presentation that can be set up as a 1-day, 2-day or continuing series (one session per week, month, etc.).
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Fundamentals of Successful Wealth Accumulation
(1 hour; 1 Insurance CE Credit Available)
This workshop will cover the basics—the “Five Fundamentals” that every individual needs to know to help them be successful in achieving their financial goals. There are no gimmicks to achieving wealth and financial security. This workshop will not offer trendy ideas, only time proven fundamentals. The five time-tested fundamentals we will cover are: Establishing a “safety net” of cash and insurance; Getting started early and accumulating money systematically; Exploring how to minimize the impact of income taxes; Utilizing strategies which can help reduce risk and enhance potential return; and Building a portfolio which matches your “personal profile.”
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Debt Management
(1 hour; 1 Insurance CE Credit Available)
Many people today understand that developing sound financial management is vital in order to help them ensure their financial security and success. However, obstacles such as debt, procrastination and poor savings habits are preventing them from identifying and achieving many of their financial goals. This workshop will provide the education and motivation you may need to put your finances in order and start saving for the future. Through the examination of traditional savings vehicles and setting up a “Model Budget” and “Savings to Spend” Account, this workshop will help you develop realistic financial goals and overcome common roadblocks to financial success.
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College Funding / 529-Key to the Future
(1 hour; 1 Insurance CE Credit Available)
Today, soaring college costs and increased competition for scholarships and financial aid make college investment planning imperative. More and more families are financially unprepared when their children and grandchildren are ready for college because they have failed to start early and save enough. College Funding explores the importance of personal accumulation as a college funding source. Starting now, identifying goals, making sound decisions, and using the right investment vehicles are emphasized in this excellent workshop. We want to help you attain this important goal.
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Market Madness: Navigation Strategies for Today's Investor
(1-1½ hours; 1 Insurance CE Credit Available)
Whether you are a seasoned investor or just beginning, it is likely you agree with other investors today who say it takes real courage to be “in the market.” Not all investments have moved in synch with the indexes. Things are happening fast, and some of these things have never happened before in the history of the equity markets. This workshop will assist you in searching for ways to navigate through what many investors today describe as stock market madness. During this workshop you will find out the answers to a variety of the most common pressing questions: “Is it too late to get into the market now?,” “How do I know if my current investments are right for me?,” “What should I do next?” You will leave this workshop with actionable information that you can apply to your personal investment program.
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Tax Management:
Income Tax Changes in the Act of 2001
(1 hour; 1 Insurance CE Credit Available)
While much attention has been given to the estate tax provisions of the Act of 2001, it should be noted that most of the tax relief ($1.16 billion) occurred in the provision of the Act of 2001 relating specifically to income tax savings and incentives. We will help you to understand where these changes are being made in order to determine the impact to your personal cash flow planning. In addition, we will examine how income tax savings can lead to opportunities in additional current and retirement savings as well as education funding and income shifting alternatives. Specific tax and legal consequences should be verified by your tax advisor and legal councel.
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Business Financial Management:
Business Financial Planning 101
(1 hour; 1 Insurance CE Credit Available)
This workshop is intended to be informative to owners of small incorporated businesses and is designed to motivate them to improve their financial plans. There are three areas of business planning which can help provide a successful financial future for you, your family, and your employees. Planning can help you manage your business dollars by allowing you to use those business dollars to provide personal benefits for you and your family; helping you provide additional benefits to motivate and retain your key employees; and keeping your business going should tragedy strike unexpectedly.
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Advanced Business Planning Strategies
(1 hour; 1 Insurance CE Credit Available)
This workshop is intended to be informative to owners of small incorporated businesses who already have a basic knowledge of Business Financial Planning but would like to explore more advanced planning techniques. Advanced Business Financial Planning discusses the same information presented in the Business Financial Planning workshop; however, it explains in more depth the various strategies involved in business planning. Topics include Section 303 Redemption; Split Dollar; Personal Disability Income Plan Qualified Retirement Plans; IRAs; Non-Qualified Salary Continuation; Group Term Insurance; Executive Bonus; Buy-Sell Agreements; Key Employee Insurance; and Personal Estate Planning.
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Employer Plans and the Act of 2001
(1 hour; 1 Insurance CE Credit Available)
The largest part of the Economic Growth and Tax Relief Reconciliation Act of 2001 involves the qualified retirement plan areas of the Internal Revenue Code. It is important for you as an employer to become familiar with the way the various new and amended provisions effect your employees and your company, and the way you administer your retirement plan. This workshop will discuss the new higher contribution limits for covered employees and relaxed restrictions for the key employees. In addition, we will talk about new options and new opportunities for small business owners made available in the Act of 2001.
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SIMPLE Strategies
(1 hour; 1 Insurance CE Credit Available)
This workshop is about a qualified plan called a SIMPLE plan. This plan can really simplify the employee benefits that you as an employer might provide to your employees. The purpose of this workshop is to explain the SIMPLE plan and the two options that are available. One is an IRA option and one is a 401(k) option. In addition to explaining those two options, we will compare and contrast them to help you identify which may make more sense for your particular business. We will also compare the SIMPLE plan to other qualified and non-qualified plan options. Lastly, we will try to help you determine if a SIMPLE plan fits into your business.
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Retirement Planning:
Maximizing the Benefit of your Retirement Plan Options
(1-1½ hours; 1 Insurance CE Credit Available)
Retirement Planning Strategies will explore different strategies for establishing and maintaining a sound retirement plan. The program will discuss the six key elements that you will need: (1) We will explore your savings personality. You will need to have the right frame of mind to put together a program that will work. (2) We will identify how much you need to save now to help meet your retirement goals. (3) We will explore the different sources of retirement income from social security to qualified retirement plans to your personal savings. (4) We will look at the different types of employer sponsored retirement plans. (5) We will look at IRAs to determine whether they are right for you. (6) We will explore your personal savings and the different investment vehicles that are available. And finally, we will put all of this together so that each of you will have a good idea of what you want to accomplish and how you will go about attaining that goal.
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Retirement Plan New Distribution Choices: Making Important Decisions at Retirement
(1 hour; 1 Insurance CE Credit Available)
The quality of retirement life may depend on the financial decisions a person makes at retirement. Retirement plan distribution methods, tax alternatives, and investment strategies are all important considerations that can dramatically affect retirement income. Retirement Plan Distributions presents basic strategies for receiving retirement plan distributions. Important issues are covered, such as matching a distribution method with retirement income needs and evaluating tax alternatives including how the New IRS Distribution Rules may affect you.
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Individual Retirement Planning and the Act of 2001
(1 hour; 1 Insurance CE Credit Available)
In the big picture of retirement planning, there are two types of plans: the plans you put into place for yourself, IRAs, and the plans that are created for your benefit by your employer, such as 401(k) and SEPs. We will examine how the new law has expanded the amounts that you can contribute to these plans and the advantages they provide that could prove quite beneficial to participants.
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Tax Sheltered Annuities: Unlocking the Secrets
(1 hour; 1 Insurance CE Credit Available)
This workshop will explore strategies to help you use the Annuity as a tax shelter for your retirement. You will learn about how the Tax-Deferred Annuity can be used as an innovative retirement and savings strategy. We will explore information regarding Investment Features, Distribution Options, and Income Flexibility. In addition, we will compare annuities with other savings vehicles so that you can be fully informed to make decisions to determine which retirement vehicle best fits your individual needs.
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IRAs Today
(1 hour; 1 Insurance CE Credit Available)
This workshop will review the different types of IRAs available to you and illustrate how they may fit into your financial program. IRAs, as you may already know, are NOT a new retirement vehicle. But the signing of the Taxpayer Relief Act (TRA’97) by President Clinton on August 5, 1997 has spurred a renewed interest in IRAs. The TRA’97 expanded eligibility and withdrawal provisions for Traditional IRAs and added two IRA options — the Roth IRA and Coverdell Education Savings Account (formerly Education IRA). In this workshop we’ll explore the impact these IRAs can have on your financial program and the upcoming IRA decisions you may need to make.
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Insurance Planning:
Life Insurance 101
(1 hour; 1 Insurance CE Credit Available)
Buying Life Insurance can be confusing. Building a plan to fit your needs, however, can be done with the right blue print. Life Insurance 101 will explore the basic need for life insurance. Like all 101 courses, this workshop will give you a basic understanding and overview of life insurance. The primary purpose of life insurance is to protect your dependents financially in the event of your death. Properly invested, the death benefit from a life insurance policy can provide a steady stream of income for your family. It can also provide liquid capital to pay off estate taxes and other obligations. We will explore these areas along with other related issues one can face when considering the purchase of life insurance.
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Long Term Care: Protecting yourself from the unexpected
(1 hour; 1 Insurance CE Credit Available)
Those of us who are fortunate to reach the magic age of 65 have more than a 1 in 5 chance of spending at least 5 years in a long term care facility, according to the New England Journal of Medicine (published 8/21/91). Over half of us will need at least one year of care. At an average cost of over $100 per day, long term custodial care is easily the largest uninsured threat to our retirement. This workshop explores long term care from a variety of perspectives all with a central focus on planning. The theme of this workshop is that the more informed one is to all the issues surrounding long term care, the more prepared they will be to plan ahead for their healthcare and retirement needs.
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Disability Insurance: Insuring your most valuable asset, yourself!
(1-1½ hours; 1 Insurance CE Credit Available)
Most of us are aware of the necessity for medical coverage, but we often neglect disability insurance when determining our insurance needs. Disability insurance helps replace income lost because of an accident or illness. This workshop will explore the necessity for disability insurance and further discuss disability insurance strategies including how much disability insurance you might need.
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Estate Management:
Estate Planning 101
(1 hour; 1 Insurance CE Credit Available)
Each of you has planted seeds and watched your wealth grow. Now you must take the time to preserve what you have worked so hard for, for your children and grandchildren. This workshop will explore techniques to establish goals and objectives regarding how you want your wealth distributed, not only following your death, but during your lifetime as well. We will explore strategies to accomplish these goals by providing solutions to help reduce estate taxes to help ensure that your wishes are achieved. This “101” educational workshop further discusses the Need For Estate Planning; Financial Burdens; Estate Distribution Techniques; Wills & Trusts; Life Insurance Improperly Owned; and a variety of Estate Planning Strategies.
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Estate Planning with Flexibility in Uncertain Times
(1 hour; 1 Insurance CE Credit Available)
During this workshop we will cover a number of major points on the topic of the uncertain estate tax. First, we will look at the new law and inevitability of more change in the federal estate tax laws. Next ,we will cover the need for flexibility and creativity in our planning and the problems with traditional estate planning. Finally we will look at some new ways of thinking and new strategies that we can incorporate in our estate plans.
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Charitable Giving Strategies
(1 hour; 1 Insurance CE Credit Available)
People make charitable contributions for many different reasons. Some give to show compassion and support, while others want to make a positive impact on society or the environment. Many people, however, are not aware of the tax reductions and financial advantages associated with charitable giving. We can assist you in implementing an effective gifting strategies with the help of Charitable Giving. This workshop can help answer the critical questions you may have about the benefits of charitable giving. It outlines the entire giving process, including what, why, how, and when to give. Case studies detail specific situations that will motivate you to move forward.
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The Economic Growth and Tax Relief Act of 2001
(1 hour; 1 Insurance CE Credit Available)
The Economic Growth and Tax Relief Reconciliation Act of 2001 had a great impact on estate, gift and generation skipping transfer tax. Our goal for this workshop is to help you understand how the changes effect your estate, and we’ll focus on the repeal of the Federal estate tax since that issue was the motivating force behind this act. Specific tax and legal consequences should be verified by your tax advisor and legal councel.
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Identity Theft Protection
The Crime of Identity Theft-Reducing the Risk of Fraud
(1 hour; 1 Insurance CE Credit Available)
Identity theft again tops the list of consumer complaints, according to a new report from the Federal Trade Commission. Identity theft is one of those things you're probably not very concerned about if it hasn't happened to you. There aren’t many crimes easier — and easier to get away with — than identity theft.
In 2001, there were approximately 500,000 identity theft victims; that's people who actually filed a police report. It cost banks and credit-card companies about $5 billion because they ultimately pick up the tab.
But the consumer doesn't get away scot-free. The average victims will spend $1,374 and 175 hours cleaning up their credit reports. That's a great deal of time and money out of their own pockets.
Our goal with this workshop is to assist you in reducing your risk of identity theft.
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Interested in a Career as a Financial Advisor?
If you’re considering a career in the Financial Services industry here’s an opportunity to see if this career would be a good fit for you by completing our online survey and profile. This survey and profile is based on extensive research in this industry and will be a wonderful guide to your compatibility with this career. This process will take you roughly 45-60 minutes to complete and all surveys will remain confidential. If you have any questions contact Nic Romero, National Talent Acquisition Specialist & Internship Director at nic.romero@northstarfinancial.com.
You can find the survey and profile at SecurianSelect. Once there, select “Candidates/Applicants” and continue through the process until you reach the Registration Page. Once here, please choose the “North Star Resource Group, (Midwest)” as the firm if you are interested in either our Minnesota, Iowa or Wisconsin offices or choose “North Star Resource Group (Southwest)” if you are interested in our Arizona, New Mexico or Texas offices and then follow the instructions for completion. You will be able to create your own password so that you can stop and reenter the site if necessary.
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