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The Unbiased source for Financial Planning Education
Our Next Full-Length Workshop is our first on the Seacoast!

Title:        How to Live Beyond Paycheck to Paycheck
Time:       6:30 - 9:00 PM
Date:       June 19
Location:  University of New Hampshire

Keep reading for details and answers to Frequently Asked Questions.  If you have a question not answered below, please call us at (603) 373-0373 or email us.

Should I attend this workshop?

Could be.  After all, it’s not your fault you don't know as much about money as you wish you did. It's likely you never received any financial education in high school.  Even in college, you probably weren’t taught about money basics.  Instead they just told you to enjoy the free T-shirt along with your brand new no-annual-fee credit card and you were on your way . . . to debt.

Now, like most people, you find yourself living paycheck to paycheck.  Would you like that to change?  Even if you don't have creditors calling your home, you've probably been thinking about asking for help, but are unsure about where to turn.  You're skeptical or even afraid that you’ll find someone who puts his or her interest ahead of your own and that you won’t find out until too late?

We know the feeling, so we created Total Candor. The only thing we sell is financial planning education—no financial products of any type.  No insurance. No mutual funds. No come-ons for annuities. The other shoes isn’t going to come down. There is no other shoe.  We simply teach.

What will you teach?

Click here for an outline of workshop topics.

After you're blown away by the power and implications of the miracle of compounding interest, we’ll discuss cash-flow.  Not just another word for budgeting, we’ll cover the implications of your spending on your wealth as move into the Top 10 Savings Strategies.  Not just motivation, but the empowerment to start creating, on your own, that little financial cushion that will grow for your future.  Ultimately, you’ll understand the difference between being cheap and being fiscally responsible.

We’ll deal with the reality of your current debt situation. You’ll appreciate the difference between good debt and bad debt and leave with precise strategies about how to lower your bad debt right away.  For certain attendees, this section is hugely important!

In addition, you’ll learn a totally legal strategy whereby you may be able to increase your retirement plan contributions without lowering your net pay!  And we'll give you the tools to easily execute the strategy.

You'll gain an understanding for the advantages and disadvantages of various types of insurance.  As important, you’ll learn the right questions to ask. Auto, renter’s, life, and disability insurance are all on the docket.

Of course, you can’t have a financial planning workshop without discussing retirement planning. Sure, it’s a metaphor, but it’s one that will stay with you long after the workshop ends: learn about the myth of the three-legged stool and the need to turbo-charge your pogo stick.  Plus, we'll compare the difference between money in your left pocket and money in your right pocket.  Included in this section are 401(k) plans, Roth IRAs, and traditional IRAs.

While we’ll never tell what to specifically invest in, we’ll educate you about your options.  You’ll know the right questions to ask before allowing anyone else to invest your hard-earned money.   You'll be able to invest confidently, not skeptically.

Since tomorrow is promised to no one, we’ll also cover the basics of estate planning.  This section alone will help you sleep better at night.

Finally, you’ll leave this Total Candor workshop with your FIRST THINGS FIRST checklist. On this will be your priorities. It won’t be overwhelming. But it will be life-changing. You'll have your financial act together.

In fact, you’ll leave with the motivation and the tools to take control of your financial life.

What are the types of questions you'll be answering at this workshop?

If you're already asking yourself these questions, you definitely need to register now.

Who teaches the workshop?

Michael B. Rubin will teach the June 19th workshop.  Michael is the author of Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between. In addition, Michael is a CPA, a CERTIFIED FINANCIAL PLANNER™ professional, and recpient of two business degrees.  In addition, he has been quoted in numerous publications including The Wall Street Journal and Financial Advisor Magazine. He was also recently featured on a webcast for the Central Valley Business Times.

How much does it cost?

Not so fast.  Let me first tell you what you get.

But you told me already.

No, I told you what you’d receive by attending from an educational standpoint. We think that alone is priceless, or certainly well-above what we’re charging.  But we’re also providing you with the following added bonuses if you sign-up now:

One copy of Beyond Paycheck to Paycheck by Michael B. Rubin.  Beyond Paycheck to Paycheck presents a unique, yet simple, dialogue about income and wealth intended to inspire and educate readers from any walk of life. This unbiased, occasionally humorous but always easy-to-navigate financial guide is a must-read for all who are ready to live Beyond Paycheck to Paycheck. Learn more about Beyond Paycheck to Paycheck.


One Comprehensive Personalized Motivational Toolkit (CPMT). Your CPMT contains numerous thought-provoking and easily understood graphs. Each graph is on a separate page and is customized for your specific age, your desired retirement age, and your stated financial objectives.  In addition, each graph comes with a brief description indicating your key takeaways of the graph and specific, valuable interpretations of the information for youClick here to see a sample CPMT


An offer to receive $25 in bonus money by opening a ING savings account.*  Should you wish, you can sign up for a new high-interest rate, no fee savings account and receive a $25 bonus.


That’s about $200 of value right there.

Exactly.  But don’t forget the enormous value of finally receiving a real, unbiased, straightforward financial education.  Plus those better nights of sleep once you get a handle on your financial affairs.

So how much?

$149 for the workshop—unless you sign up now. For now, we’re offering this workshop for just $99.  Yes, it’s a special.  See, you're getting one opportunity to save already! Class size is limited, so sign-up today:

Where’s the catch?

Remember, this is Total Candor.  There is no catch.

You’re not going to try to sell me something else once I get there?

Nope, this is us trying to sell you something:  Please attend our workshop. That’s what we’re selling.  Nothing else.

Will you sign my book?

Of course.

How do I register?

Simply click here to register:

When do I get my book and CPMT?

At the workshop.  You'll receive an email in advance requesting you complete a very simple form so we have the data to prepare your CPMT.

*ING Direct offer is only available for new accounts with a new Customer as primary owner.  $25 bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days.  Valid through 8/31/07.

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