Welcome

Welcome to Tru Direction ... our mission is to help you find your way to financial fitness with links to helpful tools & websites.   Plus Banzai -- an award winning online financial literacy program underwritten by Tru Direction & used by millions of teachers & students around the country -- now made available for people of all ages, to experience in the comfort of your home or wherever you use your computer.

-  Tru Direction has made Banzai FREE for all children, teens, and adults alike. 

-  Choose from three courses: Banzai Junior (8- 12), Teen (13-18), or Plus (18+)

-  Teaching budgeting, saving for a rainy day, and navigating adult financial dilemmas.

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

 

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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 you can achieve goals. 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 -- https://www.cfp.net/become-a-cfp-professional/find-an-education-program or other trusted continuing education sites – high schools, community colleges, community centers or libraries.

Note:  Be aware of new 2018 IRS pension plan changes