Topic: 3rd Q JPMorgan Guide to the Markets Update
July 15, 2021

Listen here, as Victor Rohe, Vice President of J.P. Morgan Asset Management, reviews the current state of our markets and economy and lends institutional insight into what lies ahead for 2021 and beyond.

Topic: Successfully Transferring Wealth to the Next Generation
Presenter: Emily Dupre, MFS Regional Director, MFS Fund Distributors, Inc.
June 17, 2021

Family wealth transfers sometimes fail, damaging sibling relationships and affecting the impact you want your assets to have. This seminar helps clients understand why family wealth transfers can fail, how to avoid mistakes and how open communication between family members may lead to successful transfers of wealth.

Topic: Protecting Your Assets
Presenter: William P. Frix, AIC, LUTCF, Owner, Frix Insurance and Financial Services
May 25, 2021

Listen in as Will Frix, an insurance agent with 34 years of experience, discusses the role of insurance in protecting accumulated assets. Learn how to evaluate the appropriate level of insurance coverage to minimize your exposure.

Topic: Organize Your Financial Life
Presenters: Steve Richardson and Ryan Kellinger
February 18, 2021

Did your New Year’s resolutions include finally getting your finances in order? Listen in for advice and tips on how to streamline and organize your finances.

Topic: College Planning
Presenters: Steve Richardson, Ryan Kellinger, Kyle Morrissey, and Ryan Sullivan
December, 2021

We are excited to present a series of webinars geared towards helping our clients to prepare financially for the cost of college and improve their overall Financial and Retirement Planning.

College Planning Workshop #1:
College Admissions in the Era of Covid-19

College Planning Workshop #2:
4 Keys to Cutting College Costs: How to Avoid Overpaying

College Planning Workshop #3:
An Inside Look at Qualifying for Financial Aid

Topic: The New Tax Law Workshop: 20+ Questions Every Person, Family, and Business Must Answer Soon!
November 19, 2020
Presenter: Steve Richardson, CFP®, CRPS®, CPA, President
Click here
to listen as Steve discusses how the largest and most anticipated tax reform act passed by Congress since 1986 will affect you.

Listen in to get answers to these important questions:

How do these laws affect me?
Will these laws cost me money or will I benefit?
How can I position myself to benefit even more?
What do I need to change now and in the future?
What do I need to worry about?

Topic: Estate Planning in the Time of Coronavirus
August 27, 2020
Click here
to listen as Steve Richardson, CFP®, CRPS®, President and Joe Lamoglia, ChFC®, Vice President, outline actions you can take right now to set up some immediate protections during these uncertain times. As Covid-19 continues to spread across the country, it is important to consider your estate plan and consider what may happen if you or a loved one becomes incapacitated or is hospitalized.

Topic: ESG Investing
June 25, 2020
Hosts: Steve Richardson, CFP®, CRPS®, President, and Timothy Shean, CFP®, CIO
Presenters: Jonathan Ricketts, CFP®, AIF®, Vice President, Retirement Strategies Group
Clarice Avery, CFA®, VP, Investment Strategist, Natixis Investment Managers – US Distribution

Click here
to listen: How Environmental, Social and Governance (ESG) factors can be assessed to measure the sustainability or ethical impact of an investment in an asset. Learn how the pandemic has impacted ESG issues and how the combining of financial pe6rformance and environmental and social impact may be an attractive way to produce sustainable, long-term returns.

Topic: 10 Principles of Long-Term Investing Resilience
May 28, 2020
Hosts: Steve Richardson, CFP®, CRPS®, CPA, President, and Timothy Shean, CFP®, CIO
Presenter: Emily Dupre, MFS Regional Director, MFS Fund Distributors

Click here
to listen: When volatility strikes, do you take your money and run? Unfortunately, this might do more harm than good. Join us for a timely workshop that explores time tested ways to tackle volatility. Now is the time to learn about long-term investing resilience.

Topic: Savvy IRA Planning for Boomers
February 20, 2020
Presenters: Steve Richardson, CFP®, CRPS®, CPA, President, and Timothy Shean, CFP®, CIO
Tax-Savings Strategies to Help You Get More Out of Your IRA. Click here.

Get answers to frequently asked questions:

• What type of retirement account is right for me?
• Can I still contribute to a retirement account, and if so, how much?
• When do I need to take withdrawals and how much do I have to take?
• How are my IRA withdrawals taxed?
• How does my IRS fit into my overall plan?
• What happens to my IRA when I die?
• How can I minimize taxes so I can spend more of my hard-earned money?

Listen in to get answers to these important questions and learn the rules for:

• Contributing to traditional IRAs and Roth IRAs
• How indirect and direct rollovers work
• How retirement accounts are taxed
• How spousal IRAs work

Topic: MOAA Legislative Update on Military and Veterans Benefits
November 20, 2019
Click here
to listen to MOAA’s finance and benefits expert Shane Ostrom, CFP®, with host Michael Kalas, CFP®, AIF®, as they examine the current state of military and veteran’s benefits. Topics include:

  • The Legislative Backstory and the Big Picture
  • What’s New in Current Programs
  • Key Legislative Actions
  • Tricare Changes
  • Other Benefits Updates

Topic: 5 Ways Technology Will Change The Way We Age
September 19, 2019
A new array of devices and services is transforming aging, making it easier for you to continue working, stay healthy, live at home, and remain connected to friends, family, and life’s small pleasures as you grow older. The Apps, Sites & Devices Changing the Way We Age

Join us to hear research from the MIT AgeLab:

  • See how broad the universe and scope of these devices is for everyday tasks
  • Gain a better understanding of how these apps and devices can improve your quality of life
  • Learn how easy it is to try out some of these technology innovations

Topic: Are you Dreaming or Dazing? A Guide to Creating a Fulfilling Retirement
May 16, 2019
Click here
to join Michael R. Kalas, CFP®, AIF®, CEO, as he examines how to create and clarify your retirement vision.

Where will you live?
What will you do?
Will you want to travel?
How will you stay healthy and active?
How will your social life change?
What factors affect the retirement dream?
Most importantly, Mike will discuss how to turn your retirement dream into a Retirement Plan!

Topic: Top 10 Estate Planning Mistakes
March 21, 2019
Click here
to join Joe Lamoglia, ChFC®, Vice President, and Michael P. Logan, Esq. of Bowen & Logan, PLLC as they discuss the Top Estate Planning Pitfalls. These simple factors can cause your estate plan to fail or leave your beneficiaries with a legal battle. Listen in to avoid these mistakes and make sure your estate plan is up-to-date and reflects your true intent.

Topic: The New Tax Law Workshop
February 21, 2019
Click here
to join Steve Richardson, CFP®, CRPS®, CPA, President, as he explores: 20 Questions Every Person, Family, and Business Must Answer Soon!

  • How to the new tax laws affect me, my family, my business?
  • Will these tax rules cost me money or will I benefit?
  • How can I position myself, my family and my company to benefit even more?
  • What do I need to change now and in the future?

Topic: From Overwhelmed to Ordered
November 12, 2018
Presented by: Kay H. Bransford, Daily Money Manager for MemoryBanc
A fire, flood, traveling spouse, or even a power outage can bring to your attention the amount of important information you keep in your head, on your phone, under a keyboard, or stuffed in a file cabinet. Most of us will admit we are overwhelmed with personal details and might be unable to find critical information when we need it. Click here to learn which documents are important, why every adult over 18 should have this information organized, and when you might need to share your personal details with loved ones.

About the Speaker: Kay H. Bransford is a Daily Money Manager and the best-selling author of MemoryBanc: Your Workbook for Organizing Life. She has appeared on The Dr. Oz Show, The Huffington Post, and BBC, in addition to many other television and radio programs.

Potomac Financial Private Client Group, LLC, MemoryBanc, and Commonwealth are separate and unrelated entities.

Topic: An Inside Look at Qualifying for Financial Aid
September 20, 2018
Presented by: Timothy Shean, CFP®, Chief Operating Officer
Many parents don’t realize all of the financial aid options available to them and their children and thus leave money on the table or settle for “budget” schools unnecessarily. Listen in to learn:

  • The 5 primary sources of financial aid.
  • How to determine your Expected Family Contribution (EFC) number—you can’t assess award letters without it!
  • 7 ways to maximize the amount of aid received.
  • How your income, investments, and savings should shape your aid approach.
  • The 4 biggest influencers of aid awarded.
  • The best way for grandparents to help out without jeopardizing need-based aid.
  • Where to find notoriously difficult to uncover local scholarships.
  • How to go deeper than the sticker price to find the amount you’ll actually have to pay for college.

    ***The fees, expenses, and features of 529 plans can vary from state to state. 529 plans involve investment risk, including the possible loss of funds. There is no guarantee that an education-funding goal will be met. In order to be federally tax-free, earnings must be used to pay for qualified education expenses. The earnings portion of a nonqualified withdrawal will be subject to ordinary income tax at the recipient’s marginal rate and subject to a 10-percent penalty. By investing in a plan outside your state of residence, you may lose any state tax benefits. 529 plans are subject to enrollment, maintenance, and administration/management fees and expenses.

Topic: 7 More Things to Know to Have an Intentional Retirement
June 21, 2018
Click here 
to listen as Michael Kalas CFP®, AIF®, CEO and Steven E. Richardson, CFP®, CRPS®, CPA, President, co-present a holistic view on preparing for retirement that expands well beyond finances. They will discuss 7 critical things to know to have an intentional retirement.

Topic: 6 Steps to Legacy Planning for the Generations
May 17, 2018
Click here 
to listen as Steven E. Richardson, CFP®, CRPS®, CPA, President, presents on legacy planning:

You have a lifetime of assets, wisdom, experiences and values. But how do you convey them to the next generation in a way that honors your legacy? Listen in as Steve Richardson covers how to craft your legacy and leave your mark for the next generation. Topics include:

  • How generational planning is replacing traditional estate planning
  • What happens when a legacy isn’t planned
  • The importance of expressing your wishes and conveying your values
  • How to successfully transfer your wealth, tangible and intangible

Topic: The How-To’s of High Net Worth Planning
April, 2018
Click here
to listen as Mike Kalas presents to the Military Officer’s Association of America on wealth management for high net worth portfolios. (Note: this webinar replay is not compatible with Internet Explorer.  Please use Google Chrome or another browser for playback.) Topics include:

  • When to Consolidate Diversified Portfolios
  • Estate Planning
  • Tax Implications
  • Long-Term Care Considerations
  • Family Gifting and Philanthropy

Topic: What’s New with Social Security?
March 22, 2018
Click here
to listen as Steve Richardson presents on why Social Security is far more complicated than most people realize. The decisions baby boomers make now can have a tremendous impact on the total amount of benefits they stand to receive over their lifetime.

Topic: What Every Investor Needs To Know About Risk
February 15, 2018
Do you want a better understanding of risk and its impact on your portfolio?
Do you want to learn how we can identify “just the right amount of risk” for you?
Do you have concerns about how the stock market volatility might impact your portfolio?

If your answer to any of these question is YES, listen in as Timothy Shean, CFP®, COO introduces Riskalyze, our cutting edge technology that identifies your acceptable levels of risk and reward. Using Riskalyze, we ensure that your portfolio defines your investment goals and expectations.

The hypothetical portfolio demonstrated is for illustrative purposes only. No specific investments were used in this example. Actual results will vary. Past performance does not guarantee future results.

Topic: 2017 Year End Tax Update
November 16, 2017
Click here
to listen as Steve Richardson reviews year end tax planning strategies.

Topic: Hackproof Your Smartphone
August 17
Click here
 to view the replay: Cybersecurity is one of the hottest topics in the news today, and it is the number one concern expressed by clients. Our smartphones now hold nearly all of our personal information. Have you taken steps to protect your device? Join us as Joe Lamoglia, ChFC® and Peter Murray, VP of Engineering with Partner Communications discuss eight critical steps to take to make your smartphone more secure.

Topic: Protecting Your Parents’ Assets
June 21, 2017
Click here
to listen as Bill Fralin, president of The Estate Planning & Elder Law Firm, presents on Protecting Your Parents’ Assets.

Topic: What’s New in Social Security
May 18, 2017
Click here
as Steve Richardson, CFP®, CRPS®, CPA® shares his nearly 20 years of industry experience to discuss Social Security topics to watch in this year including 2017 COLA Adjustments, earnings test, and Medicare premiums as well as an update on claiming strategies.

Topic: A Different Way to Invest
March 23, 2017
Click here
as Michael Kalas, CFP®, AIF® shares his nearly 25 years of industry experience to discuss ways an investor can achieve a better investment experience.

Topic: Where Will You Retire? Deciding Where to Retire, Buy a Second Home or Relocate
December 1, 2016
Click here
to listen as our guest, Dee Cascio, LPC, LMFT, ACC – Certified Life & Retirement Options Coach, shares her expertise on how to navigate the decisions you must make when you decide where to retire.

Topic: Maximizing Your Social Security Benefits – Adapting to the New Rules
September 22, 2016
Listen here
as our guest, Wall Street Journal bestselling author Kathleen Sindell, Ph.D, presents on strategies from her new book, “Social Security: Maximize Your Benefits (2nd Edition).”

Topic: Planning for College – Virginia529 College Savings Plan
June 23, 2016
Click here
 to listen as our guest, Rebecca Lyons, Regional Marketing Associate with Virginia529 College Savings Plan, discusses what a 529 plan is, the different types of Virginia college savings plans, the current cost of borrowing versus saving for college, and answers your questions about saving for college.

Topic: Legislative & Benefits Update from Military Officers Association of America
May 12, 2016
Click here to listen, as Shane Ostrom, CFP®, Lt Col, USAF (Ret), Deputy Director, Financial and Benefits Services with the Military Officers Association of America presents a legislative and benefits update affecting military servicemembers and their families.

Topic: Retirement Income Planning – Planning for a Financially Successful Retirement
March 16, 2016
Click here
as Steve Richardson addresses the broad question “What does retirement mean to you?”  This webinar explores the financial considerations around when you plan to retire and how long you will need income.

Social Security – Know Your Options to Help Maximize Benefits
November 19, 2015
Click here
 as we review social security to the understand essentials, benefits and options, strategies to consider, and how proposed changes may affect you.

Special Needs Planning
August 13, 2015

Click here as our guest, Michael P. Logan of Grad, Logan, Klewans & Bowen, P.C., shares his expertise on special needs planning concepts for disabled children and adults with no significant assets.

Basic Estate Planning Strategies and Concepts
June 10, 2015
Click here
as we explore general estate planning concepts and help you think about your own estate planning needs.

Social Security and Your Retirement
April 21, 2015
Click here, Al Chingren, Vice President with American Century Investments lends his retirement plan expertise to how social security works and how to assess the best time to begin taking social security.

Leading Your Financial Future – A Woman’s Guide to Financial Independence and Empowerment (c)
March 26, 2015
Click here
as we focus on how women can and should take control of their finances. The presentation included resources to get you started, keep you going and address the one or many areas of your financial planning you may have put off. Return to previous page for links to all worksheet resources.

The following worksheets were referenced during the call and remain available to you:

Define Your Goals
Keep Your Financial Records Organized
Your Essential Information
Retirement Expenses
Cash Flow
Net Worth
2015 Contribution Limits and Tax Reference
Start Today Checklist
Avoid Common Investing Mistakes
Common Estate Planning Mistakes
Divorce Preparation
Post-Divorce Budgeting
Knowledge is Power

(c) BlackRock Inc., 2015
Important Information About Your Advisor.

Creating Your Retirement Lifestyle
February 12, 2015
Click here as the founder of Retirement Lifestyle Strategies Dee Cascio, LPC, LMFT, ACC, BCC, a Certified Life and Retirement Options Coach and author discusses how to help those facing retirement make the transition to the purposeful and fulfilling lifestyle they envision.
Presentation resources:

Retirement Lifestyle Strategies Resources
Personal Planning Questions For a Successful Retirement

Yes, You Can … Raise Financially Aware Kids
November 19, 2014
Click here
 as we discuss our feature presentation on how to raise financially aware kids and grandkids. You will learn how to help them appreciate the value of the dollar, why its important they are financially aware, their powerful impact on the economy, and what lessons your kids need to know to be financially successful. Additionally, we will close the hour reviewing this month’s economic risk factors and 2014 year end tax planning tips.

Smart Planning: Care Planning for the Later Years
September 12th, 2014
Click here
as our guests Dan Flavin, President and Patricia Williams, Founder of GraceFul Care, discuss resources available to families as we age – with an emphasis on maintaining independence, dignity and happiness.

Understanding Social Media + Staying Safe Online ©
May 15th
Click here
to view our live presentation on social networking which for some represents a way to expand their circle of friends and contacts; for others, it’s a way to keep in closer touch with people they already know. How you use social networking is up to you; the better you understand it, the more you can take advantage of its power. Educating yourself is also important to help avoid the risks that go along with social networking.

© 2013 Legg Mason Investor Services, LLC, member FINRA, SIPC. Legg Mason Investor Services, LLC, is a Legg Mason, Inc. subsidiary.

Women’s National History Month – Why Aren’t We There Yet?
March 18, 2014
Click here
 as Tacy Paul Roby of Calvert Investments,  and current board member of Financial Planning Association-National Capital Area chapter, provides her firms perspective  on how the corporation can be key to changing things for women.

Retirement Plans for Small Businesses
February 25, 2014
Click here
 as we explore business retirement plans from the owner’s perspective and separate fact from fiction and understand the alternatives and opportunities for your business.

Planning for Long-Term Care
November 21st, 2013
Click here
 to listen as Susan Kobara, CLTC, Long Term Care Insurance Specialist with Commonwealth Financial Network, shares her knowledge and experience defining long term care, discussing longevity’s consequences to family’s and finances, how long term care is paid for and how its impact on financial planning.

Life After Work – How to Create a Sustainable Income Stream in Retirement
September 18, 2013
Click here as Steve Richardson speaks about creating a sustainable income stream in retirement: Whether you plan to stop work all at once, or ease into retirement by working part time, at some point you will need to arrange for multiple sources of income to replace your paycheck. What do you need to think about as you transition from work life to retired life? Where will your income come from? How can you make it last? Join us for a repaly an enlightening webinar that will get you thinking about your next phase of life and what you need to do to prepare for it.

Estate Planning in 2013 and beyond
June 18, 2013
Click here
as we welcome back Michael P. Logan, Esq. of Grad, Logan, & Klewans, P.C., who last August lead the presentation “Planning Issues for Special Needs Children and Elderly Parents”.  This time Michael will discuss estate takes and portability in 2013 and share his views on what to expect in the future.

Managing Health Care Expenses in Retirement: What Baby Boomers Need to Know About Medicare and Long-Term Care
May 23, 2013
Click here 
as Steve Richardson covers the three key points to managing healthcare expenses in retirement. He discusses enrollment in Medicare, what Medicare does and does not cover and how private insurance supplements Medicare,and finally why you should plan for higher health care expenses in the future and how to factor in potential need for Long-Term Care.

Retire Prepared – Will You Be Ready?
March 20th, 2013
Click here
as Timothy Shean walks through how to be sure you are prepared for retirement. He covers the steps you can take to help prepare for a positive retirement including retirement planning, establishing your needs, retirement income sources, key retirement risks, legal concerns, volatility and diversification, and what to do next.

Savvy Social Security Planning: What Baby Boomers Need to Know to Maximize Retirement Income ©
February 21st, 2013
Click here
as Steve Richardson walks through how the decisions you make can have a tremendous impact on the total amount of social security benefits you stand to receive over your lifetime.  He delves into factors to consider when deciding when to apply for benefits,  how to coordinate benefits with your spouse, how to coordinate with other sources of retirement income, along with many more facts and guidelines.

© 2011 Horsesmouth, LLC.  All Rights Reserved.

From the Hill to the Street – An Insider’s Perspective
November 2012
Click here
to listen as we provide a Capitol Hill insider’s look at the elections, deficit, fiscal cliff and much more and the combined implications to your investment strategy.

Municipal bonds are federally tax-free but may be subject to state and local taxes, and interest income may be subject to federal alternative minimum tax (AMT). The purchase of bonds is subject to availability and market conditions. There is an inverse relationship between the price of bonds and the yield: when price goes up, yield goes down, and vice versa. Market risk is a consideration if sold or redeemed prior to maturity. Some bonds have call features that may affect income.

Planning Issues for Special Needs Children and Elderly Parents
Tuesday, August 21
Click here
to listen as guest, Michael P. Logan, Esq., of Grad, Logan & Klewans, P.C. discusses the challenges and specific financial and legal issues encountered when caring for family members with special needs.

Potomac Financial Update: Financial Tools and Resources for You
Thursday, June 14th
Click here
to listen as we will welcome and introduce the recent advisor and staff additions to our team and highlight the tools and resources available to help you make better financial decisions and continue progress toward your goals.

Income Planning
Wednesday, May 16th
Click here
to listen as Michael Kalas tackles the search for income in today’s low yield environment and identifies both challenges and opportunities. This session reviewed strategies to plan for and distribute income.

Estate Planning – Challenges and Opportunities in Today’s Uncertain Climate
Wednesday, March 15th, 2012
Click here
to listen to our guest, leading estate planning attorney, Frederick Tansill of The law firm of Frederick J. Tansill & Associates, LLC, share his thoughts on the current  estate planning environment as well as practical and advanced strategies to consider in 2012 and beyond.

Planning for Long-Term Care
Wednesday, January 18th, 2012
Click here
to listen as Susan Kobara, CLTC, Long Term Care Insurance Specialist with Commonwealth Financial Network, shares her knowledge and experience defining long term care, discussing longevity’s consequences to family’s and finances, how long term care is paid for and how its impact on financial planning.

Fixed insurance products and services offered by Potomac Financial Private Client Group are separate and unrelated to Commonwealth.  Neither Potomac or Commonwealth offer tax or legal advice.