Ralph Latza

Ralph Latza, CFP®
plan[REAL]
San Francisco, CA
Ralph Latza bio

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Available Topics
Financing a College Education
With educational costs skyrocketing, families face many challenges and choices when it comes to saving for college. This program will unravel some of the confusion surrounding financing college, including:
• When is the best time to start saving for college?
• What are the advantages and disadvantages of the various savings plans?
• What are the best investment strategies to follow?
Useful advice will be provided on how not to sacrifice your retirement and estate planning needs for the sake of college funding. If you have children, you do not want to miss this program!

Personal Finance for LGBT Couples
Addressing financial issues can be difficult for any couple. For the LGBT community, the consequences of not talking about money issues and planning ahead can be devastating. While marriage and domestic partnerships provides a wonderful celebration of love and commitment, financial planning provides the means to carry out your desires as you (and not the government) see fit.

The Kids are Gone, the Lawn is Mowed, Now What? Personal Finance during Retirement
Welcome to your Golden Years! Whether you are in retirement, approaching retirement, or dealing with a retired parent, the next chapter of life provides many pitfalls and possibilities. As people are living longer, questions arise about funding retirement and the quality of those later years. This provocative session will examine the fundamentals you need to know to make your retirement the best years of your life. Come prepared to share your experiences and questions. Among the areas to be covered:
• Transitioning from work life to home life to your next challenge
• Evaluating risks and possible insurance solutions
• Investment strategies and distributions from retirement and non-retirement accounts

Your Money, Yourself, and Your Children
This interactive program will explore how your decisions about money have been influenced by your childhood, and how these past influences affect the money messages you pass along to your children. Valuable tips will be provided for raising money smart kids. Be prepared to learn, share, and be amazed at what you may discover!