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F3e The Foundation for Financial Education

A 5 0 1 ( C ) ( 3 ) N O N P R O F I T O R G A N I Z A T I O N

Our commitment is to:

Our goal is to spread financial literacy by bringing educational resources directly to the public.

Provide current and relevant information at interactive and entertaining workshops

Recommend practical courses of action that will enable individuals to take charge of their finances

Give back to the community through volunteerism and scholarships

F3Eonline.org/employer-benefits | 240 .499 .0390 | [email protected]

Mission Statement

The Foundation for Financial Education is a not-for-profit, charitable organization formed under section 501(c)(3) of the Internal Revenue Code. Donations to the Foundation for Financial Education are tax-deductible as charitable contributions for U.S. federal income tax pur-

poses. There are no donation limits or restrictions on contributions to the Foundation for Financial Education.

F3e The Foundation for Financial Education

A 5 0 1 ( C ) ( 3 ) N O N P R O F I T O R G A N I Z A T I O N

As an employer or organizational leader, you will be providing a valuable service to your employees or members that they will benefit from and thank you for. Because we are a nonprofit organization, there is no charge for our workshops.

F3E workshops raise morale and empower the attendees to ‘step it up’ and take control of their finances.

F3E workshops can assist in improving attendees’ health and wellness.

Our workshops are not sales events. We do not endorse any specific products or companies. Our primary purpose is to provide generic education to the community by arranging for top professionals in their respective fields to share their knowledge, advice, and experience with the public.

Benefits of an F3e Workshop

Easy to Implement for EAP, HR, & Wellness ProgramsOur nonprofit provides personalized flyers and educational material to help drive program awareness maximize participation, & encourage feedback from your employees.

F3E The Foundation for Financial Education

Financial Fitness

Cash flow management

Basics of tax planning

Creating a financial road map

Introduction to estate planning

Overcoming obstacles to creating wealth

Maximize savings and investment plans

Improving Your Credit

Why is credit so important, anyway?

Understanding your FICO score

Credit restoration

Debt rebalancing

Key steps to rebuilding your credit

Repairing credit after bankruptcy

Macro Economic Planning

Improve the effectiveness of your economic model

More money, less risk

Coordinating the growth of all your assets

Moving from taxable to tax-free

The velocity of money and the ripple effect

Retirement Planning

How not to outlive your money

Running the retirement marathon

How taxes and inflation impact retirement

Exit strategies

RMD’s

Stretch IRAs

Long-term care considerations

Estate Planning

Dealing with death and estate taxes

Wills and trusts

Probate and your estate

Choosing an executor

Lifetime giving exclusion

Unlimited marital deduction

Tax-free inheritance

Over

Financial Transitions

Reasons for career/job transitions

Placement resources

Can I, or when can I, retire?

Lining up your benefits/insurance options

Choosing new benefits (weighing the options)

Rolling over your 401k vs. leaving at old employer

Taking control and ownership of your finances

Understanding your retirement plans and whatthey are worth

Popular Workshop Topics

IRA, TSP, & 401k Rollovers

Consolidating assets

IRS section 525

Accessing your retirement accounts for current needs

Saving/avoiding taxes

Leaving IRAs behind/stretch IRA

Financial Pitfalls

Lack of plan or inadequate plan

Improper debt management

Lack of estate plan

Lack of tax planning strategy

Buying advice over the internet

Lack of exit strategy


Strategic Allocation

Planning your wealth for interest rate fluctuation,inflation, and market volatility and taxes

Using strategic allocations to meet your financial goals

Tax-free, lifetime streams of income

COLA income

College Planning Strategies

The MYTH about financial aid

Sources of money

Need-based vs. non need-based

College funding vs. financial aid

Advice

The reward

Finances For Women

How men and women view money differently

Preparing for retirement

Managing debt

Savings basics for women

Investment choices

Being female in a financial world

Retirement Planning for Women

Concerns for divorced and single women

Options for real estate

Insurance planning

Tax planning

Widows in retirement

Preparing for a marathon retirement

Modern Parenting Issues

Step-parents and co-parenting

Child psychology

The evolution of the modern family

Parenting resources

Single parenting

Federal Benefits Best Kept Secrets

ChFEBC advisor

What tax bracket will I be in at retirement?

What makes us so special?

The rules of the game

Exit strategies

Free insurance

TSP, catch-up, and loans

CSRS voluntary contribution

Federal Benefits 101

Why and what federal employees need to plan for

Basic options for insurance

How to calculate my pension

Retirement eligibility guidelines

Common mistakes made in the TSP

Federal Leave and Earnings Statements

How to interpret your statement line by line

Selecting the proper options for benefits

Managing your tax withholdings

Where does all my money go?

Hidden opportunities within your paycheck

Disability and Social Security

Planned Giving

One-time gifts vs. ongoing gifts

Tax ramifications to families and estates

Using charitable trusts or charitable strategiesfor planned giving

Leaving a planned giving legacy

Benefits to you and your family

Over



Taxes and the IRS

Where do our taxes go?

Do I need a tax advisor?

Tax avoidance

Tax-free savings

Tax-deferral vs. tax-deductible vs. tax-free

Why you shouldn’t wait to get your refund

Financial Planning in Uncertain Times

Budgeting for change

Retirement horizons

TSP planning

Benefit planning

Exit strategies

Advanced Social Security Planning

How cost-of-living adjustments affect your Social Security

Breakeven analysis: should you collect at age 62, 66, or 70?

How are your benefits calculated?

File and suspend: file for your Social Security suspendand let your spouse collect 50% of your benefits

How to collect IRAs and let your Social Security grow 8% per year

Maximizing Your Financial Plan

Macro manager

Financial planner

Common financial myths

The rules of the game are changing

Exit strategies

Where do we go from here?

Social Security 101

Understanding the basics of Social Security

How to optimize your benefits

Advantages of applying after full retirement age

How are your benefits calculated?

How cost-of-living adjustments affect yourSocial Security

Mortgage & Real Estate Opportunity

Managing investment properties

Leverage in real estate

Buying opportunity in a down market

Buying vacation and retirement homes

REO’s, foreclosures, and short sales

Real estate inside your IRA

Introduction to Real Estate

Understanding mortgage options

Location, location, location

Real estate as an investment

VA/FHA programs

Tax benefits

First-time home buying

Real Estate, Real Opportunity

Avoiding real estate pitfalls

Real estate investing

Buying and selling in today’s market

Appropriate financing options

Real estate inside your IRA

Mortgages

Brokers, bankers, and credit unions

Interest-only vs. interest and principal

30-year mortgage vs. 15-year mortgage

Mortgages that increase your wealth

Common mortgage misconceptions

Reducing mortgage fees


F3E Footprints of F3E

The Foundation for Financial Education

ABC Distributors AC Home of Eureka AFLAC Alzheimer’s Association American Occupational Therapy Association American Society of Clinical Oncology Appalachian Regional Commission ARC Asbury Methodist Village Attronica Berlitz Language Center Bethesda-Chevy Chase Regional Services Center Blair House Bloomington Normal Christian Women’s Group Building Owners and Managers Association Borders Books Brick Layers Union Bureau of Alcohol, Tobacco, Firearms, & Explosives (ATF) Careers in Nonprofits CENTRO Latino Children's Home Chris Lutheran Church Central Intelligence Agency (CIA) CINTAS City of Rockville City of St. Cloud FL Clark Construction Columbia Association Community HousingWorks Comtech Mobile Datacom Congressional Caucus COPE Corporate Office Properties Trust (COPT) Damascus Senior Center DARPA DB Consulting DC Cancer Consortium Defense Nuclear Facility Safety Board Department of Commerce (DOC) Department of Energy (DOE) Department of Homeland Security (DHS) Downtown Clusters Duke Realty Corporation Environmental Protection Agency (EPA) EAP- DC Chapter Evergreen Village Exit Realty, Frederick Food and Drug Administration (FDA) Federal Bureau of Investigation (FBI) Federally Employed Women Firefly Energy

Fish & Wildlife Services Flannagan Rehab Center Frederick Community College Frederick County Public Library Friendship Terrace Gaithersburg High School Georgetown Visitation Prep Glenallen Elementary School Global InfoTek Good Shepherd Lutheran Great Plains Media Grosvenor Towers Apartments Hughes Humanim Indian Health Service Insurmark JBS International Jewish Foundation for Group Homes Johns Hopkins University Law Firm of Selzer, Gurvitch, Rabin, & Obecny Llewellyn Realty Lockheed Martin Lurch, Early, & Brewer Law Firm Lutherean Oaks Macy’s Mark Center MCO-FL Airport Meadows Mennonite Retirement Community Metro Offices Mettler Toledo Mid-Atlantic Federal Credit Union Mid-Illinois Credit Union Middlesex Chamber of Commerce Mom's Day Out Montgomery College Montgomery County Commission for Women Montgomery County Public Schools Montgomery County Teachers Federal Credit Union Mt. Calvary Baptist Church National Archives & Records Administration (NARA) National Defense University National Cancer Institute National Weather Service (NWS) National Gallery of Art (NGA) National Institute of Health (NIH) National Institute of Standards & Technology (NIST) Navy International Programs Office NOAA Noblis Northern Virginia Urban League Young Professionals Network Nuclear Regulatory Commission (NRC)

Office of Personnel Management (OPM) SF Medical Parent Academy Peabody Institute Pentagon Pikesville Seventh-Day Adventist Church Pontiac Boy Scouts Potomac Adventist Book & Health Food Store Real Estate Teams, Frederick Remax 2000 Realty Rockland BBQ and Grill Rockville High School Rockville Innovative Center Rockville Rotary Club Rockville Spanish Seventh-Day Adventist Church Rockville Women’s Business Center SAMHSA Secret Service Florida Shady Grove Innovation Center Social and Scientific Research Social Security Administration (SSA) Special Needs Expo St. Johns Senior Group St. Raphael School St. Pats Church Staples The Jewish Community Center The Merchants Voice The Surgery Center The Wellness Community Trinity Partners University of Maryland U.S. Army– Adelphi U.S. Department of the Interior U.S. Department of Justice (tax division) USGS Vinson Hall Virginia Imports Washington Convention Center Weichert Realtors Vinson Hall Virginia Imports Washington Public Library Water Management, Inc White House Military Office Willow Manor WIND North Wood Hills Apartments WSSC YGL of Bethesda YMCA

F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]


July 15th, 2015

I first heard your founder, Jonathan Lee, when he came to speak at the DC Em-ployee Assistance Professionals Association (EAPA) during the time I was the President of the organization. He was fabulous. Every EAPA member that I’ve spoken to about their experience with F

3E has been thrilled with the financial edu-

cation your nonprofit delivers to their employees. The resources you provide have been invaluable.

I know there are other non-profits who have a similar mission; however, your level of expertise and service has far exceeded others I have seen. It’s also helpful to know that you are national and will continue to serve the different branches and locations of our members across the country.

I want to personally thank you for making financial education a topic that every-one can learn from and implement in to their own lives to enable them to take control of their financial futures.

Sincerely, Sarah Steck

Sarah Bullard Steck, LICSW, CEAP, C-ASWCM

Steck Associates LLC

187 Westminster Ave, Suite 1

Arlington, MA 02474

202-423-3516 c

[email protected]

www.steckassociates.com

www.linkedin.com/in/sarahsteck


To: Jonathan Lee

From: Michael A. Richardson Subject: Sr. Testimonial

I would like to add my name and endorsement to the list of thoroughly satisfied recipients of information provided by the Foundation for Financial Education (F

3E). In speaking to the

President/CEO Jonathan Lee, I recognized his passion about spreading financial knowledge to everyone. Financial Literacy is desperately needed by all of us at every level in our walk through this thing we call life. This has been proven by the historical setbacks that we as a country have dipped into over the past 18 months. No matter what age we may be, the presenter provides a wealth of knowledge available about our personal financ-es that can help us become more financially literate than what we think we are. The con-cept of providing good financial advice, for everyday people, which will encourage us to think about preparing for the future, at NO cost, is a radical step that everyone can benefit from. Jonathan and his team have put together the “A Team” of presenters, who are the best in their respective fields.

Admittedly, I was a skeptic at first. I had positioned myself for retirement in less than 2 years. I just knew there was nothing additional that I needed to know. However, after sit-ting in one Lunch & Learn (1-hour session) on Financial Blunders; Lessons We Can’t Af-ford Not to Learn” I realized there were subjects, concepts and pointers that I needed to check with my Financial Advisor on that I needed to consider immediately to put into prac-tice that we had completely missed the mark on. I encourage every leader of your organi-zation to pick any of the seminar topics they present, provide it to your staff & employees and I guarantee that you and your colleagues will benefit from the information shared and they will thank you for the opportunity.

Michael A. Richardson, Sr.

Michael A. Richardson, Sr. VP of Community Relations Mid-Atlantic Federal Credit Union



U.S. Department of Education Chapter

Blacks In Government (BIG)

400 Maryland Avenue, SW

Washington, D.C. 20202

To Whom It May Concern:

The U.S. Department of Education Chapter of Blacks In Government (BIG) has had the

pleasure of sponsoring workshops for the Foundation for Financial Education (F3E). These

very informative workshops have been extremely well-attended, even at the end of the fis-

cal year when employees are very busy. We've had a diverse population of 38 to 75 em-

ployees from a number of different offices register for three workshops, "Mid-Career Plan-

ning," "Estate Planning," and "Tax Planning" offered in July, August, and September.

Once employees attend, they re-register for the Foundation for Financial Education work-

shops and request materials for any missed sessions due to their work requirements. This is

not our experience with other presenters from other companies.

The presenters are very knowledgeable, cram a lot into a lunchtime presentation, have ex-

cellent handouts and materials, offer free assistance with wills and other services and re-

duced costs for more complex transactions. However, they never push their other services

while conducting workshops. They are especially adept at handling questions and offering

employees resources, many of which are online.

It is without hesitation that I strongly recommend the Foundation for Financial Education

to any agency or group that wishes to empower their employees to make sound financial

decisions in these more challenging economic times.

Best wishes,

Wanda E. Gill, Ed.D.

President



From: Danielle D. Wilson-Saddler

Sent: Wednesday, April 29, 2015

To: [email protected]

Subject: Thank YOU!

Greetings,

We can’t thank you enough for the presentation at Monday night’s Parent Academy work-

shop. We appreciate you generously donating your time and expertise to help support

MCPS parents. People like you really make a difference. We value your input, so please

let me know if you have feedback about the Parent Academy process.

If you have any questions or requests for additional information, please contact me. We

look forward to having you present at future Parent Academy workshops.

Sincerely,

Danielle

Danielle D. Wilson-Saddler Instructional Specialist Montgomery County Public Schools Office of Community Engagement and Partnerships [email protected]

F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected] F3Eeonline.org/employer-benefits | 240 .499 .0390 | [email protected]


mailto:[email protected]

tel:301-279-6860

mailto:[email protected]


To Whom It May Concern:

It is with great pleasure that I write this testimonial to the exemplary services

provided by the Foundation for Financial Education (F3E). I have worked

with F3E since early 2011 shortly after coming to work with Immigration and

Customs Enforcement/Office of the Chief Information Officer (OCIO). Over

the past two years, F3E conducted several Lunch & Learn seminars for OCIO

and in doing so availed themselves to questions from staff around the coun-

try. I personally found the F3E team and the CEO Jonathan Lee to be highly

professional, accommodating to busy schedules and most importantly, gifted

at speaking to the level of their audience. If you have an opportunity to work

with F3E, take it— you will soon know that they are passionate about

providing all clients with superior financial services!

Inga Mitchell, PMP

DHS | ICE | OCIO | WMD

Organizational & Employee Development

October 24, 2012


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