Financial Awareness for Women
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- Betty Sparks
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1 Financial Awareness for Women 1
2 Women s Financial Awareness Introduction Subha Tammana, CPA, EA Coordinating Team Advisors Chaya Setty Sunitha Rachapalli Jayashree Kalva Srilakshmi Mantri Jayasri Telkunta (RJ) Srinivas Pandiri Dr. Anitha Mullangi Dr. Jayasri Chitluri 2
3 Women s Financial Awareness DISCLAIMER The information and content discussed, provided and/or talked is for general information purposes only. NRIVA and its presenters assume no responsibility. Before making any financial, investment or tax decisions it is advisable to consult an investment manager, CPA or financial advisor. 3
4 Women s Financial Awareness Key Topics Stages of Life Must Know for all stages of life Must Haves for all stages of life How to handle things in different stages of life Best Practices Summary 4
5 Stages of Life Early Stage Middle Stage Mature Stage Newly married to Kids in Elementary School (5 th grade) Kids in middle school to college (grades 6 thru college) Planning to Retire Already retired Kids are independent 5
6 Women s Financial Awareness - General Basic Awareness Financial Awareness is important for all ages, Managing money in the midst of life s other priorities is no easy task. Taking the initiative to educate yourself about your financials will help make prudent choices and preparedness in crisis. You can take action in your financial trajectory right away by starting with these steps 6
7 Women s Financial Awareness Awareness What is right for your money now may not be necessarily be so in 5 years, 10 years etc As you go through different stages of life, your financial goals will likely change What s right when you start working may change as you start a family. What s good for you at the peak of your career will likely change when you retire. A financial planner or adviser can help you balance what you need to do today to be ready for the years to come. 7
8 Must Know For All Stages Bank Accounts (USA/Overseas), Credit Cards, Lockers, Investments & Passwords Where is your money? How to do transactions (online, at the bank etc.) Practice, Practice, Practice Understand your family s income & expense helps with savings & planning Storage and access to key documents* (safe, locker, PC, Cloud, etc.) Savings & investment strategy talk to CPA, CFA, lawyer, older family & friends Protect digital identity Passwords - Private data protection Encryption Phishing scams Key Documents - Mortgage papers, Will, Trust, Passports, Greencard, Citizenship papers, Passwords, Account(s) information, Social Security Cards, 8
9 Must Have For All Stages Life Insurance 1) Term 2) Life 3) Whole life Insurance - Health/Dental/Vision/Home Wills and Trust Beneficiaries For Above Scenarios and investments Savings Understand benefits offered by company and maximize 9
10 Women s Financial Awareness EARLY STAGES OF LIFE Insurance Medical /FMLA / Dental/ Vision employer provided or Cobra or Obamacare Auto Insurance Homeowners or Rental insurance Life insurance (A MUST for Family Security) Short term & Long term Disability HSA (Health Savings Account or Flexible Spending) 10
11 Women s Financial Awareness EARLY STAGES OF LIFE - Retirement plans: What do know about 401K vs IRA (Individual Retirement Account) Withdrawal, penalty, exceptions 401K (Consider Higher Risk Portfolio) Traditional IRA Roth IRA 11
12 Women s Financial Awareness EARLY STAGES OF LIFE Understanding your paycheck because of Tax Cuts and Jobs Act Gross earnings Withholding tax Social security and Medicare 12
13 Women s Financial Awareness EARLY STAGES OF LIFE Understanding your paycheck because of Tax Cuts and Jobs Act Doubling of standard deduction Personal exemption is gone State tax deduction no longer available Limit on mortage deduction 13
14 Questions from the Chat 14
15 Feedback & Future Topics 15
16 Women s Financial Awareness MID STAGES OF LIFE (Evaluate risk in your portfolio consider lowering risk) Maximize or start education college savings Wills and Trusts Power of Attorney (POA) (Health care proxy or medical POA or Durable POA) Evaluate insurance Step up retirement contributions 16
17 Women s Financial Awareness MATURE STAGES OF LIFE (Evaluate risk in your portfolio, consider lowering risk) Evaluate life insurance - may not be needed Medicare and SS benefits evaluation Buying supplementary health or long term care insurance Paying off debts Downsizing and preparing to take care of aging parents. 17
18 Annual Review All Accounts - Bank, credit cards Lockers Investments Will/Trust Passwords Beneficiary names for all investments Savings & investment strategy 18
19 BEST PRACTICES LEARN FROM EXPERIENCE Do annual review of your investment portfolio Practice all types of transactions (online, bank, credit cards, pay bills, etc.) Keep passwords protected on home computer Learn new ways. Keep yourself informed and educated 19
20 Summary Category Topics Early Stage Mid Stage Mature Stage Personal Assets Bank / Investment Accounts Must have Must have Must have 401K Maximize Maximize Optimize Contribution and Use Benefits Traditional + Roth IRA Maximize Maximize Optimize Contribution and Use Benefits Next College Savings Start Maximize N/A Generation Wills Must have Must have Must have Prep Trust Review for applicability Must have Must have Health insurance Must have Must have Must have Dental Insurance Must have Must have Must have Long Term Care Insurance N/A Start contributing Optimize Contribution and Use Benefits Private Disability Insurance Must have Must have Review for applicability Safety Net Term Life Insurance Must have Must have Review for applicability Whole Life Insurance Review for applicability Review for applicability Review for applicability Auto Insurance Must have Must have Must have Home Insurance Must have Must have Must have Govt. Safety Net Medicaid Review for applicability Review for applicability Review for applicability Social Security Benefit Contribute Contribute Use Benefits Medicare Contribute Contribute Use Benefits 20
21 Questions from the Chat 21
22 Open Questions from the audience 22
23 For any general finance related questions, please write to For specific questions about your financial situation, please contact your CPA/CFA. 23
24 Thank You 24
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