University of Maryland Extension

2019 Agenda

2019 Personal Finance Seminar for Professionals Online Conference


May 16, 2019


08:45 – 08:55 AM            Welcome


09:00 – 10:00 AM            Jack Tharp, Indiana University 

“Counseling Seniors about Medicare: Uniformed Choices Can Have Lasting Costs”

This session, Counseling Seniors About Medicare, is designed to give personal finance practitioners an overview of Medicare and show how decision-making in the application process is sufficiently complex that many seniors need guidance from a knowledgeable counselor. Budgeting for health care is a key element of retirement planning, yet uninformed choices in the Medicare program can result in unnecessary long-term costs. Session participants will learn about the associated costs of Medicare including Medigap plans with an end objective to gain enough information to better assist senior clients approaching Medicare enrollment.                                      


10:05 – 11:05 AM            Maria Sennett, Credit Builders Alliance

“Supporting Returning Citizens in Entrepreneurship and Credit Building”

Many returning citizens wish to start or grow a small business. Yet for those who have no or impaired credit histories following incarceration, the lack of responsible credit building financial products makes them more susceptible to the ubiquitous and predatory marketing practices of payday lenders and other fringe creditors. This workshop will explore tools and resources that financial capability and reentry practitioners can turn to for helping returning citizens to build strong credit, and strong businesses.    


11:05 – 11:15 AM            Break 


11:15– 12:30 PM                  Jerry St. Vil, FICO

“Demystifying FICO ® Scores”

This session will enable participants to better understand what is a FICO® Score;  key factors that affect one’s FICO® Score; how and where one can get a FICO® Score; and a new scoring  development at FICO that enables consumers to increase their FICO® Score based on their banking information


12:30 – 12:45 PM             Break (Grab Lunch)


12:45 – 1:45 PM                  Billy Hensley, National Endowment for Financial Education 

“Moving Forward: From Random Success to Collective Impact”

This discussion will address the fact that financial fragility is not only tied to the poor and linked to having too few assets, but also largely influenced by to too much debt and low levels of financial literacy. In addition, this session will share promising trends in the outcomes of high-quality financial education programming and conclude with several points to consider about the need of our field to define measures and collectively assess impact.  


1:50 – 2:50 PM                Josh Harris, Clemson University

“Seeking Financial Freedom from Financial Dependence and Enmeshment”

In this workshop, attendees will learn how to identify Financial Dependence and Financial Enmeshment. Techniques will be covered on how to assess and provide appropriate interventions to assist clients in seeking Financial Freedom from these money disorders.


2:50 – 3:00 PM                Break


3:00 – 3:45 PM                Alex Mooradian, Hello Reserve, Inc.

“Technology Enabled Debt Relief by Resolve”

Resolve is a free financial management platform designed to help people experiencing financial distress. The platform compares various debt relief options and connects its members with trusted, affordable debt relief providers helping them avoid the predatory world of traditional debt relief companies. It's more than just software. We have a team of debt experts standing by to answer all debt related questions.


3:50 – 4:50 PM                Jodi Kaus,Kansas State University 

“Demystifying the Rules of Public Service Loan Forgiveness”

The U.S. Department of Education recently announced that the majority of the submitted Public Service Loan Forgiveness (PSLF) applications were denied. This session will review the requirements of PSLF and pitfalls for federal student loan borrowers and advisors to be aware of. We will also explore the new tool created by the DoE designed to help borrowers determine if they are eligible for this loan forgiveness program. You will also be shown a handy flowchart that provides a helpful visual of the PSLF process for your use with your clients, or maybe even for yourself if you qualify!  


4:50 – 5:00 PM                Wrap-up/Closure 


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