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ORICL - Oak Ridge Institute for Continued Learning

Finance

Finance

200     Investing Fundamentals:          

How Fixed Income, Mutual Funds, Stock, and Tax-Free Investing can be a part of your investment strategy

If you're like many people, you have financial goals in mind but feel a bit unsure about which investment strategy may be right for you. Inscrabble tiles this four session series, it’s our goal to help you gain fundamental investment knowledge, and we've developed these classes to give you a better understanding of your options as you move toward your personal financial goals.

Focus on Fixed Income:  Explore the features of fixed-income investments and how quality bonds can serve as the foundation of a well-balanced portfolio. In this seminar, you'll learn the basics of bonds, the advantages of laddering and how fixed income may make sense as part of your investment strategy.

A Smart Start to Mutual Funds:  When it comes to investing, there’s no better place to start than with the basics. Join us for a discussion on the basics of mutual funds.

Take Stock in the Market:  This seminar explores stock market basics in simple terms, including the basic structure of the stock market and three principles that can help you become successful in stock investing.

Tax-free Investing: It’s Not What You Make, It’s What You Keep:  Join us to learn how certain investments can deliver tax-free income and possibly keep you in a lower tax bracket.

Michael Ousley is an Anderson County native—growing up in Clinton and attending Oak Ridge High School.  He later went to the University of TN, Knoxville for Engineering and managed an automotive plastics plant in Oak Ridge and Lenoir City before changing careers to be a Financial Advisor with Edward Jones.  He has been an Edward Jones client since birth, and was hired by Edward Jones in 2011.  His office is located in downtown Clinton. 

Four sessions:  Wednesdays, 1:00 - 2:10 p.m., July 8, 15, 22 and 29

201 Investment and Financial Series

Join us for a three session course on various topics related to investing and finance.

financial graph picClass 1: Asset Allocation – The history and theory behind Asset Allocation, how it works, its flaws and why it may not be enough on its own.  We’ll also discuss Strategy Diversification and why we believe it’s an important part of a proper risk managed portfolio.  Asset Allocation and diversification cannot eliminate the risk of fluctuating prices and uncertain returns.

Class 2: Active vs. Passive Investing – We don’t believe in the Buy, Hold and Hope strategy of investing. We will discuss the differences between active investing vs. passive investing, the pros and cons of each and how to determine which may be appropriate for you.

Class 3: Having a Plan – Bringing it all together! We will discuss what a proper financial plan should encompass; it’s more than just your money, it’s your lifestyle, your goals and dreams, the legacy you want to pass down for generations, and to help you become more confident.

Barbara A. Million, CRPC®, Associate Vice President – Investments, Financial Advisor and Steven A. Witt, Financial Consultant of Head Wealth Management Group of Wells Fargo Advisors are pleased to offer this financial series. Head Wealth Management of Wells Fargo Advisors has over 100+ years’ experience and focuses on risk management for their clients. Barbara is a graduate of the University Of Florida School Of Business with a concentration in Finance.  She has a talent for translating complex financial issues into understandable concepts and for creating effective action plans to help clients achieve their individual goals. She has enjoyed working with ORICL for several years now.

Three sessions:  Thursdays, 2:30 - 3:40 p.m., June 11, 18 and 25

202 The Truth About Reverse Mortgages

Have you seen or heard the commercials about reverse mortgages?  Join us for this ORICL course to learn more about them.  It will coverpic of house model understanding the Home Equity Conversion Mortgages…(Reverse Mortgage).   What are some seniors’ financial goals and how can reverse mortgages help?  Explore options of obtaining more income or decreasing monthly expenses.  Learn how the loan works….qualification, requirements, how much you receive, options, pros and cons, and will it suit your needs?   The option of purchasing with a H.E.C.M. loan will also be covered.

Kenneth Wieland joined the mortgage lending field in 2001 and became a licensed mortgage broker in 2006, licensed as a Reverse Mortgage Consultant. He hosts seminars and educational workshops all across East Tennessee to help seniors make informed decisions about the resources available to them and to provide the best experience for Reverse Mortgages.

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