Welcome to Tru Direction where our mission is to help you find your way
to financial fitness.

Personal finance can be a tough topic for educators and parents to teach, simply because many of them haven't mastered it themselves. That's why we're here— to help individuals at any life stage better understand personal finance and money management. It's never too soon or too late to learn best practices for saving, borrowing, and planning for the future.

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

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A New Year -- 2018 Scholarships &  Make Saving a Habit

Scholarship applications now being accepted through March 31, 2018.

Tru Direction, Inc. will award $500 to $2,500 per qualified applicant as determined by the Scholarship Committee. Tru Direction, Inc. will award no more than $10,000 per calendar year. Scholarships may be used for any related expenses for college, university, trade school or technical school.  Applicants must be attending school a minimum of 9 hours, or the equivalent, per semester; however, preference is given to those attending at least 12 hours. For more information on who is eligible for the scholarship, please refer to the application instructions and read the FAQ's to assist you in filling out and submitting your application by March 31, 2018.

View previous & current scholarship recipients:  Scholarship Recipients

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