Welcome

Welcome to Tru Direction, Inc., a 501 (c)(3) foundation whose mission is to promote financial fitness with links to helpful tools & websites.

One of our major commitments is the sponsorship of  on-line financial literacy programs -- Banzai for classrooms in numerous schools and Plus Banzai, free for public use. Plus Banzai is an award winning online financial literacy program used by millions of teachers & students around the country. Now available to you at no cost -- to experience in the comfort of your home or wherever you use your computer.

-  Tru Direction is providing Plus Banzai FREE for all children, teens, and adults.

-  Select one of three courses: Banzai Junior (8- 12), Teen (13-18), or Plus (18 and older)

Plus Banzai is a great way to learn about budgeting, saving for a rainy day, and navigating adult financial dilemmas. Explore additional topics to "Become an Expert" in our interactive library.

                           Your days of managing money by trial and error are over. 
                                                  It's time to find your Tru Direction. 

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2020 … A New Year to Make Saving a Habit

Collect all of your financial information:  income, expenses, assets (including retirement accounts) and liabilities, insurance policies, income tax returns, will, trusts and other estate planning documents. Review your insurances to determine if you have the coverage you need and that your estate plan is in order.

Set goals and objectives:  based on the data you collected, review your income and expenses. Would it make more sense to pay off (or pay down) debts before starting to accumulate towards your goal -- $1 million in your IRA or 401 (k) over the next 20 years. Set goals that are measurable – and prioritize them so that are achievable. Perhaps becoming debt-free by a certain date and then begin your savings plan.

Saving through tax efficient methods:  There are numerous ways to save efficiently – health savings accounts, Roth accounts, taxable accounts, tax-deferred accounts and various investment products. And there are best ways for withdrawing funds from accounts designated for retirement when the time is right. Perhaps you might want to consult a financial professional for best advice.

Handle your risks:  review your insurance policies – do you have the right dollar amounts and the right types of insurance? Again, a financial professional might be able to provide assistance.

Track your progress:  review your plan quarterly to check that you are on target to reach your goals.

Continuing education for lifelong learning:  consider expanding your financial literacy education. Review the course offerings at a CFP (Certified Financial Planning) Board site -- The mission of Certified Financial Planner Board of Standards, Inc. is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for competent and ethical personal financial planning. And other trusted continuing education sites – high schools, community colleges, community centers or libraries can provide additional information.

Note:  Be aware of IRS new 2020 401(k) contribution limit increases to $19,500 for 2020; catch-up limit rises to $6,500.