Smart Money Moves for Oneonta Families

Smart Money Moves for Oneonta Families

Building wealth, lowering taxes, and creating future freedom

This webinar will give young parents a clear, practical understanding of how to grow and protect their money — not through jargon or theory, but through real-world strategies that actually fit their lives.

Most parents in this group already handle budgets, mortgages, and savings accounts. What they want now is the next level — how to make their money work harder while still keeping life simple.

Duration:

90 minutes (including min Q&A)

Format:

Interactive talk with real examples, simple visual frameworks, and time for personalized questions.

Sessions

1. The Foundation: Making Your Money Work for You (15 minutes)

• The three stages of wealth: Earn, Grow, Protect

• Why traditional “save and hope” thinking doesn’t work anymore

• Understanding the difference between saving and investing

• The “Money Flow Map” — how income, taxes, and investments all connect

2. Investing 101 for Busy Parents (20 minutes)

• Stocks, ETFs, and index funds explained in plain English

• What’s a realistic rate of return — and how to achieve it

• The power of compounding and time (even when you start late)

• How to build a simple, low-stress portfolio

• What not to do: avoiding emotional and herd investing

3. Tax Advantage Accounts: The Hidden Boosters (20 minutes)

• IRAs vs. Roth IRAs — which one’s right for you

• 401(k)s, backdoor Roths, and other smart contribution strategies

• Using HSAs for long-term wealth, not just medical bills

• How to combine accounts for tax-efficient investing

4. The Entrepreneur’s Edge: Using Business Structure to Your Advantage (15 minutes)

• How starting even a small side business can change your tax picture

• LLCs, S-Corps, and expense deductions explained

• Turning family or passion projects into legitimate ventures

• Why business ownership creates flexibility and freedom down the road

5. Estate Planning Simplified (10 minutes)

• Wills, trusts, and beneficiaries — what really matters and what doesn’t

• The “family emergency file” every household should have

• Setting up your legacy without overcomplicating it

6. Q&A and Personal Scenarios (10 minutes)

• Open discussion — practical questions from parents about their real situations

• Handout summary and optional resource list for follow-up

This isn’t a “finance lecture.” It’s a conversation — about how money can create freedom, not stress. The session will help parents understand how everyday financial decisions (like which account to fund or whether to start an LLC) can make a lasting difference in their family’s future.

By the end, you will walk away with:

• A clear understanding of where you stand financially

• Practical next steps for saving on taxes and growing wealth

• Confidence to talk about money with your spouse and kids