Enhanced Workshop Series
Get ready for our fall financial wellness workshops! These sessions, led by Stephanie Holmes-Winton, are designed to cover a range of essential financial topics, suitable for members at any stage of life. Whether you’re just starting out or nearing retirement, these one-and-a-half to two-hour online workshops via Zoom offer valuable insights into managing your finances effectively. Here are the topics we’re exploring this spring!
- Spending & Cash Flow (120 min)
- Debt & Credit (120 min)
- Savings & Investments (90 min)
- Retirement Income Planning (120 min)
- Financial Planning (60 min)
These sessions will be presented live (virtually), and you can attend from anywhere, on almost any device.
Can’t make it live? No problem, you’ll receive access to these topics on demand and they will be made available on Winton Learn.
Looking for the recordings? Follow this link here.
Module 1 – Spending & Cash Flow
Tuesday April 1, 2025 @ 10am (2 hours)
This session is a must if you haven’t attended any financial workshops from Stephanie Holmes-Winton before. No matter how close or far away retirement is, your cash flow is a crucial component of your financial health. This session will provide you with practical strategies to increase your cash flow capacity even if you feel like you’ve got that part of your finances under control.
Join us to learn:
● Strategies to manage cash flow to make the most of your resources
● Behaviour-based cash flow management and how it’s different than budgeting
● How to free up more cash flow to save and invest in your future without giving up your lifestyle today
Module 2 – Debt & Credit
Tuesday April 8, 2025 @ 10am (2 hours)
In this session, we’ll cover debt management strategies for those who are decades away from retirement, as well as those who are retiring soon. Debt is a financial power tool and, even if you are on track to be debt-free in retirement, you should still join this session to learn how credit can play a role in your retirement. No matter how much or how little debt you have, you’ll learn practical strategies to reduce the cost of debt, and improve your credit score.
Join us to learn:
● How debt impacts current and retirement resources
● How to ensure you’re on track to be debt-free by retirement
● The difference between interest rates vs. cost of debt
● Why being debt-free by retirement doesn’t mean you won’t use debt during retirement (car loans and more)
● Debt negotiation strategies
● How credit scores work and how they impact more than debt
Module 3 – Savings & Investments
Tuesday April 15, 2025 @ 10am (1.5 hours)
In this session, we’ll cover how to calculate your emergency savings Goal, and all of the other areas you can invest your money to grow your nest egg over time. We’ll review the common types of investments, including fees and taxation, and
easy ways to learn about the investments you already have.
Join us to learn:
● How to save for multiple goals at once
● How savings interest rates work
● How to create emergency savings goals
● Types of investments
● What risk and taxation is, and how to research different investment and savings options
Module 4 – Retirement Income Planning
Tuesday April 29, 2025 @ 10am (2 hours)
Many of your decisions when you’re 25 or 35 will affect the quality of retirement you’ll experience. Don’t wait until you’re closer to retirement to join this session. It’s also not too late to join if you’re due to retire soon. There are so many
things you can control when it comes to withdrawing your retirement income. It’s important to know your options, and control all of the retirement variables you can to get the best possible outcome!
Join us to learn:
● What government and private sources will form your retirement income
● How sources of income are taxed
● The difference between RRSPs vs. TFSAs
● How different types of retirement income interact with each other
Module 5 – Financial Planning
Tuesday May 6, 2025 @ 10am (1 hour)
A financial plan isn’t worth the paper it’s printed on if you don’t use it. Too often, people have no written financial plan. Some have a really complicated binder full of projections but are unsure how to implement the strategies. Financial planning is not one-size-fits-all. If you own multiple properties or a business, you may need a more complicated plan. If you don’t, you may need a simple modular plan that covers certain aspects of your finances. Find out more about financial planning and how to evaluate your needs. Learn about the people and organizations that provide financial plans or planning tools.
Join us to learn:
● The difference between full financial plans vs. modular plans
● Which financial products are often involved in financial planning
● How to protect your financial plan
● The different types of financial professionals
● What fees and commissions are
● How to interview and choose an advisor