Pathway Financial Education

Penny Wise: Effective Budgeting and Saving Strategies
2025-10-09 18:00 - 19:30 (America/Chicago)
What if your budget actually worked for you, not against you?

Managing money shouldn’t feel like a guessing game. Whether you’re just starting out or looking to improve your financial habits, a solid budget is the key to feeling more in control. But where do you start? And how do you make a budget that actually works for you?
Join us for a FREE hands-on session where we’ll break down the best budgeting methods, show you how to make saving easier, and give you the tools to take charge of your money.
BONUS: Exclusive budgeting worksheets and trackers!
All attendees—whether joining in person or virtually—will receive our exclusive budgeting book and templated budgeting and savings trackers to help put these strategies into action right away!
What You’ll Learn:
✅ Why budgeting isn’t about restriction—it’s about freedom and financial confidence
✅ Different budgeting techniques and how to choose one that fits your lifestyle
✅ Smart saving strategies to help you keep more of what you earn
Most people don’t budget because they think it’s complicated, time-consuming, or too restrictive. But when done right, budgeting puts you in control of your money, not the other way around. Part of our core curriculum, this session is designed to help you find an approach that works for you and set you up for long-term success.
Attend in person for an interactive experience, or join virtually from the comfort of your home!

Debt-Free Journey: Steps to Financial Liberation
2025-10-16 18:00 - 19:30
Your debt doesn’t define you — your next steps do.

Debt can feel like a heavy weight, holding you back from the things you want in life. Whether it’s student loans, credit cards, or other financial burdens, there is a way forward, and it starts with understanding the strategies that actually work.
Join us for a FREE session designed to help you take control, reduce your debt, and move toward financial freedom.
BONUS: Attendees will have the opportunity to schedule a 1:1 session with Angelique Cheatem after the workshop to develop a personalized debt management plan!
What You’ll Learn:
✅ Proven debt reduction methods (Snowball, Avalanche, and more)
✅ Key financial terms you need to know to make informed decisions
✅ How to create a realistic debt repayment plan that works for your budget
Being in debt isn’t just about numbers; it’s about the stress, uncertainty, and limitations it can create. But taking action today can put you back in control. This workshop will give you the knowledge, tools, and motivation to create a realistic debt-payoff plan and take meaningful steps toward financial freedom.
PLUS, attendees will have the exclusive opportunity to schedule a private 1:1 session with Angelique Cheatem to create a customized debt management plan based on their financial situation. Most people struggle with debt because they don’t have a clear plan, but this is your chance to work with an expert and create one that works for YOU!
Attend in person for an interactive experience, or join virtually from the comfort of your home!

Tax Talk for Business Owners
2025-10-22 18:00 - 19:30
You’re great at running your business. Let’s make sure you’re great at managing taxes, too.

You started your business to pursue your passion, not to stress over tax codes and forms. But what if you had the right knowledge and tools to stay compliant, maximize deductions, and avoid common tax pitfalls?
Join us for a FREE workshop designed specifically for entrepreneurs and small business owners who want to gain confidence in managing their taxes, record-keeping, and financial responsibilities so you can focus on what you do best.
What You’ll Learn:
✅ Business Entity Types & Tax Reporting – Sole Proprietorships, LLCs, S-Corps & more ✅ Essential Record-Keeping & Accounting Software – How to track business income & expenses ✅ Understanding Tax Deductions & Credits – Maximize your savings while staying compliant ✅ Employee vs. Independent Contractor – Avoid costly misclassifications ✅ Estimated Taxes & Filing Deadlines – Know when, what, and how to file
Meet Your Expert Speaker, Ray Moncrieffe
We’re excited to welcome Ray Moncrieffe, Tax Director at Creative Planning, as our workshop leader! Ray has years of experience helping small business owners navigate the complexities of tax law, business structure, and financial planning. His passion for empowering entrepreneurs means you’ll walk away with actionable knowledge to strengthen your business finances.
Taxes aren’t just a once-a-year concern—they impact your business every day. Filing incorrectly, missing deductions, or misunderstanding tax rules can cost you time, money, and peace of mind. This workshop is designed to give you real, actionable strategies to manage your tax obligations with confidence.
This session will help you navigate everything from business structures and tax reporting to deductions and record-keeping. You’ll gain the knowledge to avoid costly mistakes, maximize your savings, and set your business up for long-term financial success. Plus, you’ll connect with other entrepreneurs who are on the same journey — because when small business owners support each other, everyone wins.

Credit Confidence: Understanding the Basics
2025-10-23 18:00 - 19:30
Credit can feel overwhelming, but you don’t have to figure it out alone.

Credit impacts almost every aspect of your financial life, from buying a home to getting the best interest rates. But if you’ve ever looked at your credit report and felt confused, frustrated, or overwhelmed, you’re not alone.
Join us for a FREE workshop designed to help you decode your credit report, understand how credit scores work, and learn proven strategies to improve your score over time.
BONUS: Get one-on-one support in pulling and identifying key items on your credit report!
What You’ll Learn:
✅ What’s inside your credit report and how to read it
✅ How your credit score is calculated (and why it matters)
✅ The biggest factors that can help—or hurt—your credit score
✅ Steps you can take right now to start improving your credit
Your credit score isn’t just a number; it’s a reflection of your financial health and a key to better financial opportunities. Whether you’re looking to buy a home, qualify for a loan, or just strengthen your financial future, this workshop will provide the tools and guidance you need to take control of your credit with confidence.
PLUS! Get personalized support in pulling and understanding your credit report so you can start making improvements immediately!

Getting Retirement Ready
2025-11-12 18:00 - 19:30
No one plans to work forever. But if you’re not planning for retirement, that’s exactly what might happen.

This free, no-pressure workshop will help you take control of your financial future, whether you’re just starting out or catching up. We’ll break down retirement planning into real-life, doable steps that make sense for where you are now and where you want to go.
What You’ll Learn:
✅ The difference between retirement accounts like Traditional IRA, Roth IRA, 401(k), 403(b), and more✅ How to take advantage of tax breaks and employer matches✅ Annual contribution limits, catch-up rules, and eligibility tips✅ Long-term strategies to grow your savings, starting now
Don’t wait until it’s too late to start thinking about retirement. This session will help you understand your options, build a plan, and feel confident about what comes next.
Your future is coming. Let’s make sure you’re ready.

Unlocking Homeownership: From Dreams to Reality
2025-11-19 18:00 - 19:30
Homeownership isn’t out of reach, you just need someone to show you the way.

If you’ve ever started Googling “how to buy a house” and ended up with more questions than answers, you’re not alone. Between credit scores, mortgage types, down payments, closing costs, mortgage insurance, home inspections, and everything in between, the process can feel completely overwhelming.
That’s exactly why we created this FREE, no-pressure, beginner-friendly workshop that breaks down everything you need to know about becoming a homeowner, step-by-step.
What You’ll Learn:
✅ A step-by-step overview of the homebuying process
✅ Different types of loans—and which one might be right for you
✅ What lenders really look for: credit, debt, and income
✅ Hidden costs explained: mortgage insurance, closing costs, inspections, and more
✅ How to build your homebuying team (lender, agent, inspector, etc.)
✅ What can go wrong—and how to avoid costly mistakes
Personalized Support to Get You Started:
After the workshop, we don’t just leave you hanging. You’ll have access to one-on-one support to help move your homebuying plans forward, including:

Credit assessment to know your financial standing
Debt-to-income (DTI) calculation to ensure mortgage eligibility
Budget review to project your monthly payments
Direct referrals to our vetted network of mortgage loan officers and real estate agents

Let’s face it: homebuying is confusing, especially the first time. Most people dive in without understanding the fine print, the fees, or how one small misstep can delay the entire process.
This workshop gives you the insight and guidance you need to make smart, informed decisions. You’ll learn directly from professionals who break down complex information into real-life, actionable steps, with no pressure or sales pitch.
✨ This is the workshop we wish every first-time homebuyer had.

Planificación Patrimonial Hecha Fácil (En Español)
2025-12-03 18:00 - 19:30
Protege a tu familia: Aprende a planificar tu patrimonio y recibe una consulta legal gratuita.

Nadie quiere pensar en lo inesperado, pero tener un plan patrimonial claro es uno de los pasos más importantes que puedes tomar para proteger a tus seres queridos. No se trata solo de los bienes, sino de asegurarte de que tus deseos sean respetados y tu familia esté respaldada.
Este taller te guiará a través de temas esenciales de planificación patrimonial, desde la creación de un testamento hasta el establecimiento de directivas médicas y fideicomisos. Como agradecimiento por asistir, recibirás una consulta GRATUITA de 1 hora con un abogado de Creative Planning. Esta sesión incluirá la ejecución de un documento de Poder Notarial, dándote un comienzo sólido en tu viaje de planificación patrimonial.
Lo que aprenderás:
✅ Directivas Médicas: Cómo garantizar que tus deseos de atención médica se respeten cuando no puedas expresarlos por ti mismo.
✅ Poder Notarial Financiero: Por qué es esencial para administrar tus finanzas si quedas incapacitado.
✅ Testamentos: Cómo asegurar que tus bienes vayan a las personas adecuadas.
✅ Fideicomisos: Cómo funcionan y por qué son esenciales para proteger tu legado.
✅ Impuestos Patrimoniales: Estrategias clave para reducir la carga sobre tus herederos.
✅ Evitación de la Sucesión: Cómo simplificar la transferencia de bienes.
✅ Escrituras de Transferencia al Fallecimiento: Cómo manejar bienes raíces para una transición más sencilla.
Además: ¡Obtén una consulta de 1 hora con un abogado sin costo!
Solo por asistir a este taller, tendrás la oportunidad de programar una consulta GRATUITA de 1 hora con un abogado de Creative Planning. Durante esta sesión, recibirás asistencia práctica para iniciar tu plan patrimonial, incluida la ejecución completa de un documento de Poder Notarial para proteger tu futuro financiero.
Esta es tu oportunidad de dar un paso proactivo sin el costo habitual o las complicaciones.
Conoce a tus Anfitriones: BreAnne Watts y Daniel Sprout

Este taller está dirigido por BreAnne Watts, paralegal de planificación patrimonial en Creative Planning Legal. Con una amplia experiencia en la redacción de documentos de planificación patrimonial, la gestión de flujos de trabajo de clientes y la preparación de archivos en varios estados, BreAnne aporta conocimientos prácticos y directos para ayudarte a comprender los conceptos básicos de la planificación patrimonial.
Daniel Sprout, abogado de planificación patrimonial en Creative Planning, también estará presente para responder a preguntas específicas que solo un abogado puede contestar. Con más de 14 años de experiencia legal, Daniel se especializa en crear planes patrimoniales personalizados para proteger la riqueza de los clientes contra la sucesión, impuestos y acreedores. Su experiencia en litigios aporta una perspectiva única sobre cómo prevenir problemas legales potenciales antes de que surjan.
Juntos, BreAnne y Daniel hacen que la planificación patrimonial sea clara, accesible y práctica, brindándote las herramientas necesarias para proteger tu futuro con confianza.
Por qué este taller es importante:
La planificación patrimonial a menudo se pospone porque parece complicada o costosa. Esta sesión lo hace simple, accesible y asequible, especialmente para nuestra comunidad hispanohablante.
