Twelve points Webinars

We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued/Undervalued
• Trends We See Developing
• How to protect yourself in 2025

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney
• Advance Medical Directive
• Kids’ Protection Plan

Scammers use clever techniques to steal personal information and data. This seminar can help participants recognize scams and learn industry best practices to help them protect themselves, their families, and their finances.

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

As clients approach retirement, it is more important than ever to understand the impact that Medicare has on both their healthcare and retirement income. Use this seminar to help clients consider their Medicare options and make the best decision for their situation.

Buying and selling real estate is one of the most confusing and multi-pronged undertakings you’ll ever be involved with. We break it down for you for you with easy-to-understand discussions of:

• Credit Scores & Affordability
• Down Payments & Close Costs
• Mortgage Process & Home Inspections
• Effects of Interest Rates On Housing Market
• Working With a Real Estate Agent
• Buying vs. Renting

Aram Verdiyan from Accolade Partners will join Twelve Points to discuss the opportunity in blockchain technology and the current state of the crypto market. Topics will include adoption of blockchain technology, uses and applications of blockchain, current risks, update on the regulatory environment and ways investors can get exposure to the blockchain asset class.

Conversations and exercises to raise financial awareness for kids of all ages.

There are five powerful forces that are transforming the trajectory of the global economy, shifting the priorities of societies and redefining business models – as well as changing the face of investing. We call these megatrends. In this seminar, we discuss today’s most exciting opportunities — from autonomous driving to artificial intelligence — and how clients can invest in megatrends.

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• Job Changes
• Equity Compensation
• Charitable Donations
• Family Changes
• Investment Tax Considerations

HUMANS ARE SMART. But sometimes our emotions take over, and we use the “gut instinct” part of our brain instead of the critical thinking part. This is especially true when it comes to investing.

Learn why we make emotional decisions about our money and how to get the most out of your investments — despite your instincts.

• Provides Clear guidance on key elements of retirement
• The Important of a plan, longevity, Social Security, and retiree health care costs
• Align cash flow with client goals, understand loss aversion and help clients stay invested

Corporations of Every Size Are Not Immune From The Constant Dangers of Hackers, Cyber-terrorists, And Ransomware. However, There are Actions You Can Take to Ensure Your Cyber Liability Risk is Reduced and Even Mitigated.

Attend this webinar and you’ll discover:

• Recent Data Reach Cases & the Response to Them
• What to do When Your Cyber Liability Insurance Falls Short of the Exposure
• Strategies You Can Implement to Stay Ahead of Cyber Threats
• What Impact Emerging Technologies Like Internet of Things(IoT) and Artificial-Intelligence (AI) Have on Privacy and Security
• The Biggest Challenges Firms Face in Implementing Cybersecurity Protocols and Privacy Compliance

This presentation is an overview on estate planning and the specific land mines for LGTQ individuals, lead by Brendan Ward of Cherry Tree Legal. BRENDAN L. WARD, is a Nahant resident, attended St. John’s Prep in Danvers and subsequently received his Bachelor of Science from the University of New Hampshire and his JD from New England School of Law. Brendan has received extensive training and coaching in Estate Planning that sets him apart from his peers through Wealth Counsel and the Family Wealth Planning Institute. Brendan continues to focus on estate planning for families with young children, same sex couples, together with elder care and intervention, trust and estate administration. His skills provide a depth of knowledge in probate practice and asset protection. Brendan in addition to estate planning and trust & estate administration, works on real estate conveyancing helping both buyers and sellers in the sale of real estate. Brendan spends a great deal of time volunteering in his local community. He is the past president of the Copley Society of Art Circle, past chairman of the town of Nahant Advisory & Finance Committee, the Secretary of local non-profit 01908, Vice President of the Board of Directors of Family & Children Services of Greater Lynn, a member of the Board of Directors of the Lynn Boys and Girls Club, and Trustee of the Lynn Home for the Elderly.

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• Job Changes
• Equity Compensation
• Charitable Donations
• Family Changes
• Investment Tax Considerations

Many women are solely responsible for their finances or are a major breadwinner in their family. They are seeking advice and guidance more than ever before. This webinar serves to help female investors define what wealth means to them, learn how to make sense of the headlines today, and gain actionable steps to build their financial foundation.

Social Security claiming strategies are complex, and it can be easy for participants to make mistakes. This seminar reviews features of spousal benefits, recent changes to Social Security, and how to coordinate benefits with a spouse. We also discuss options available to participants who are widowed, divorced or have worked in a government position that did not pay into Social Security. The seminar provides you with answers to most Social Security questions.

Join Twelve Points’ Chief Investment Officer, Steve Bruno, to hear him answer questions live from participants of this seminar!

We encourage you submit any questions you want answered in advance of this webinar to greg@twelvepoints.com.

Steve Bruno comes to Twelve Points with over 35 years of institutional investment management experience in both the Public and Private Equity sectors of the market. During that time he has served in various leadership roles including Co-President, Senior Portfolio Manager and Chief Quantitative Strategist.

As a portfolio manager, he managed over $2.0B in both long-only and long-short equity portfolios. Most recently he was associated with a private equity investment advisory firm which advised on over $1.0 billion in resilient energy transactions during Mr. Bruno’s tenure. Prior to that he was President and Chief Investment Officer at an investment management firm he founded in early 2007. He received a B.A. in Economics and his M.B.A. in Finance from New York University and is a CFA Charterholder.

There are a lot of ways to save your hard-earned money and accomplish your financial goals. If you want your money to have the possibility of growing over time, you may want to consider investing your savings. Not familiar with investing? Don’t be intimidated, it’s not as complicated as it sounds.

• Types of Investments
• The Power of Compounding
• Risk vs. Reward
• Diversification / Asset Allocation
• Volatility
• Bull & Bear Markets

Tips for caring for your own finances first, while supporting aging parents and launching your children.

• Aging Parents & Financial Support
• Financial Independence for Children
• Third Act Planning – Becoming an Empty Nester

Investors’ thoughts and emotions affect investment decisions, often turning a well-intentioned investor into his or her own worst enemy. In this seminar, we highlight the two emotions, loss and greed, which underlie most of investors’ bad investing behavior. We also discuss the role advisors should play in helping investors become aware of their behavioral biases and put a plan in place to mitigate the impact they have on investors’ portfolios and goals.

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

Hope for the best, but prepare for the worst with these topics:

• Term vs. Permanent Insurance
• Factors Affecting Cost
• Disability Insurance
• Tax Advantages of Insurance

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney
• Advance Medical Directive
• Kids Protection Plan

We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued/Undervalued
• Trends We See Developing
• How to protect yourself in 2024

This month, we discuss key components of retirement; social security and managing health care costs. Topics will include:

• Future of Social Security
• How Social Security Benefits are Determined
• Social Security Spousal/Survivor Benefits
• Reviewing Health Care & Long-Term Care Costs
• Types of Medicare Coverage
• Health Savings Accounts (HSAs)

Things to consider for your personal finances now, and in the future, with a changing economy and new legislation:

• SECURE ACT 2.0
• Social Security Updates
• Inflation Rate

Building wealth is a lifelong journey, and as with life, there are stages to building wealth. This seminar walks participants through each stage, exploring actions they can take and missteps to avoid, helping them pursue wealth that may last a lifetime or beyond.

Updates on forgiveness, refi rates, and current events for advisors to assist their clients.

In this Cybersecurity Awareness Month Webinar, BlackCloak’s Devin Archer and Kerry Tary will lead a conversation about how to protect your personal digital life in this era of unprecedented digital risk. Webinar attendees will will receive:

• An overview of the current state of cybersecurity and trending threats
• Background about why you’re uniquely vulnerable
• Guidance for creating a culture of good cyber hygiene in your personal life
• Actionable and realistic best practices to reduce risk by an order of magnitude
• Tips for how to cut through vendor noise and determine what’s best for your needs

We will walk through the majors pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued/Undervalued
• Trends We See Developing
• How to protect yourself in 2023

A well-conducted RFP will help retirement plan fiduciaries find the best service providers and also position them to respond to fiduciary breach claims. Conducting regular RFPs is part of a prudent fiduciary process. We will discusses the benefits of RFPs for service providers, and details the basic steps of conducting an ERISA RFP.

Bob spent several years in the U.S. Treasury Department and also was chief economist for the Senate Budget Committee. Bob analyzes potential changes to the direction of economic policy coming from Washington, DC, has a unique perspective on the political landscape, and provides an in-depth look at the U.S. economy.

Hope for the best, but prepare for the worst with these topics:

• Term vs. Permanent Insurance
• Factors Affecting Cost
• Disability Insurance
• Tax Advantages of Insurance

The inflationary environment we find ourselves in today is a radical change from the deflationary environment we have been in over the last 30+ years.

Join this webinar for a conversation on how inflation may affect your family and day-today life, as well as your investments.

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• Job Changes
• Equity Compensation
• Charitable Donations
• Family Changes
• Investment Tax Considerations

Buying and selling real estate is one of the most confusing and multi-pronged undertakings you’ll ever be involved with. We break it down for you for you with easy-to-understand discussions of:

• Credit Scores & Affordability
• Down Payments & Close Costs
• Mortgage Process & Home Inspections
• Timing
• Working With a Real Estate Agent
• Buying vs. Renting

This month we will discuss strategies around Gifting, Trusts, and Estates. These topics are especially important due to recent changes in legislation.

While these can be sensitive topics, they can be of upmost importance in your financial plan for the future:

• Caring for elderly parents/spouses
• Medicare planning
• Long-Term Care Insurance

Learn more about common insurance products that most have to deal with in their financial lives:

• Auto Insurance
• Home Insurance
• Renter’s Insurance
• Umbrella Insurance

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

Tips on how to assess and manage your outstanding student loans and other debt. How to balance saving for retirement or goals, while paying off debt.

• Student Debt Consolidation/Refinancing
• Payment Strategies
• Tools to Help
• Retirement Savings vs. Debt Payments

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable/ Nondurable/ Special or Limited/ Springing/Medical Power of Attorney
• Advance Medical Directive
• Kids Protection Plan

Trying to navigate and maximize the benefits you are offered through your employer can be challenging, but extremely important. This month’s webinar will aim to help you sort through the “Alphabet Soup” of benefits you may have available to you:

• 401(k) / 403(b)
• Health Savings Accounts (HSA) / FSA
• Health / Dental Insurance
• RSUs / Stock Options

Following the inauguration of a new administration, we will discuss new policy that has recently been passed along with proposed legislation that could impact your financial life.

• COVID-19 Stimulus Relief
• Health Care
• Student Loans
• Taxes
• Retirement

Learn strategies to minimize your contribution to the government as we explore these topics:

• Paycheck Savings
• FSAs vs. HSAs
• Job Changes
• Charitable Donations
• Child-Care Reimbursements
• Avoiding the Marriage Tax
• Vacation Home vs. Rental

Buying and selling real estate is one of the most confusing and multi-pronged undertakings you’ll ever be involved with. We break it down for you with easy-to-understand discussions of:

• Credit Scores & Affordability
• Down Payments & Close Costs
• Mortgage Process & Home Inspections
• Timing
• Working With a Real Estate Agent
• Buying vs. Renting

This month we will discuss strategies for helping your high school student select target schools and how to cover the cost of education:

• Higher Education Plans: Everything from 529 plans to Coverdell ESA
• Financial Aid: FAFSA, MEFA, Federal/Private Loans
• Scholarships: those available while in high school and in college
• How to Stand Out: academics, athletic, arts, philanthropy

There are a lot of ways to save your hard-earned money and accomplish your financial goals. If you want your money to have the possibility of growing over time, you may want to consider investing your savings. Not familiar with investing? Don’t be intimidated, it’s not as complicated as it sounds.

• Types of Investments
• The Power of Compounding
• Risks vs. Reward
• Diversification / Asset Allocation
• Volatility
• Bull & Bear Markets

Understanding How Insurance Strategies Can Complement Your Retirement

Conversations and exercises to raise financial awareness for kids of all ages.

• Budgeting
• Emergency Funds
• Retirement Savings
• Insurance
• Goals (Long-Term & Short-Term)
• Wills & Trusts
• Health Care Planning

Social Security and Medicare are ever changing areas of retirement. Learn about what both look like now, and how they could change in the future. Also, learn about how Social Security and Medicare can work together in retirement.

• The Basics of Social Security and Medicare
• When to claim your Social Security?
• Managing Medicare Enrollment
• Cohesive Strategies with Social Security and Medicare

This month we look at the legal documents to keep you and your family safe and sound. We’ll dive into:

• Estate Plan
• Living Trust
• Will
• Durable / Nondurable / Special or Limited / Springing / Medical Power of Attorney
• Advance Medical Directive
• Kids Protection Plan

We will walk through the major pits and peaks of this fiscal year, while focusing specifically on:

• Market Returns
• Sectors and Assets Which Appear Overvalued / Undervalued
• Trends we See Developing
• How to protect yourself in 2022

We invite you to join us on 3/18 for this unique webinar geared to help you unlock the value behind the Employee Retention Tax Credits.

Twelve Points will be joined by Camila Inarra and Hellie Howard of Vault, a Student Loan Benefits Platform.

Vault is the first and most-trusted student loan benefits platform, providing innovative student loan benefit programs and support to over 1,750 clients and over 3 million employees.

Join us to learn more about Vault’s programs and how Vault’s conflict-free technology can improve employee recruiting and retention.

We invite you to join an insightful conversation explaining why 100+ AM Law 200 Firms sponsor MRCB plans. Learn how aligning targeted returns to actual market performance allows for a wider range of acceptable outcomes – reducing contribution risk, distribution risk and investment risk. We will also discuss how simple it is to convert existing fixed-rate cash balance designs to MRCB designs. Please join us to learn more about expanding your tax deferral strategy and investment horizons!

Changes in your personal or work life and family status can affect your income and how you invest.

Saving for Retirement is More Important Today Than Ever Before

• Life Expectancy Increasing
• Social Security Uncertainties
• Employees Control Their Destiny
• Retirement Confidence on the Decline
• Changing Jobs
• Getting Married
• Having Children
• Estate Planning