The 2026 Financial Wellness Program is ready!
January 14, 2026 - Financial Literacy 101
Find Financial Relief in a High-Cost World with Financial Literacy 101
Feeling the squeeze of rising costs? Don't know where to start in your budget or how to make one? You're not alone. In this practical webinar, our local Certified Financial Planner will provide a clear roadmap to manage your money more effectively. Walk away with actionable steps to create a workable budget, identify easy ways to cut expenses, and start saving for your future—even when times are tough. Specifically we will discuss:
• Understand the three steps to financial freedom
• How to prepare a budget
• How to cut back on expenses
• How to save more and plan for retirement
• How to set financial goals
View in person at the branch, click here
Special Event:
February 18, 2026 - PERS Lunch-and-Learn
Demystifying Your PERS Retirement Benefits
Feeling uncertain about your Washington State PERS plan? You're not alone. In this practical lunch and learn, Certified Financial Planner Jeff Downer will break down the complexities of PERS in plain English. Get clarity on calculating your benefits, understanding your payout options, and how to integrate your retirement plan with other income like Social Security. Leave feeling confident and prepared for the future.
Complimentary lunch provided, please RSVP by clicking here
March 18, 2026 - What the Tax Bill Could Mean for You
Navigate the New Tax Landscape with Confidence
New tax laws bring new questions. Will you pay more or less? What should you change? Join Certified Financial Planner, Jeff Downer to demystify the latest changes. This session will provide a clear understanding of how the bill affects you and outline a confident plan of action to help protect and potentially enhance your financial well-being. We'll answer these questions and more:
• How do the new tax laws affect me, my family, my business?
• Will these tax rules cost me money or will I benefit?
• How can I position myself, my family, and my company to benefit even more?
• What do I need to change now and in the future?
• What do I need to worry about?
View in person at the branch, click here
April 8, 2026 - Savvy College Planning
College Planning: Feel Less Anxious, More in Control
Worried about how you'll afford college? You're not alone, especially in today's economy. In this webinar, Certified Financial Planner Jeff Downer will provide a clear path forward. We'll demystify funding options, from savings strategies to our credit union's student loan products, and help you build a personalized action plan to tackle college costs with confidence.
View in person at the branch, click here
April 22, 2026 - Home Ownership
Your First Home: A Practical Plan to Overcome High Prices & Down Payments
Feeling like homeownership is out of reach? You're not alone. In this webinar, our Certified Financial Planner and Mortgage Loan Officer team up to provide a realistic path forward. We'll break down the financial journey, from building your savings and credit to understanding all your loan options. Leave with a clear, first step and the confidence that your goal is achievable. We will discuss:
- Benefits of homeownership
- Rent versus own
- Responsibilities of homeowners
- The first step: getting pre-approved
- Navigating the process
- What is credit?
- What is the difference between good and bad credit?
- How to avoid bad credit
- How to improve your credit
View in person at the branch, click here
Special Event:
May 13, 2026 - Fraud: Identity Theft, Account Take Over and Cyber Crime
We at SnoCope have seen a drastic increase in fraud and account related cyber crime and want to give you the opportunity to learn ways to protect yourself, your finances and your family. We contracted with Retired FBI Special Agent Lanza will explain easy ways to:
- Safeguard yourself from financial account takeovers
- Avoid scams
- Shield yourself from wire fraud
- Prevent identity theft
- Guard your Social Security Account
- Protect your credit reports
- Protect your computer
- Avoid home title fraud
- Defend your devices and home systems
- QR Codes and what is safe
- New best practices for website safety
- Flowcodes - Please use caution
View in person at the branch, click here
May 27, 2026 - Savvy Generational Planning
Your Legacy: Family Harmony or Family Conflict? The Choice is Yours.
Without a clear plan, your legacy could be burdened by taxes, confusion, and family disputes. But it doesn't have to be that way. Join Certified Financial Planner, Jeff Downer, to explore a modern, meaningful approach to generational planning. Discover a simple 6-step process to ensure your assets and your values are successfully passed on, creating a lasting impact for those you love. We will discuss:
• What happens when a legacy isn’t planned
• A tale of two families: James Gandolfini and Randy Pausch
• How legacy planning can be a meaningful, even fun, process
• How to prepare for sudden incapacity
• The importance of expressing your wishes and conveying your values
• How to successfully transfer your wealth, tangible and intangible
• A six-step process to start leaving your mark on the next generation
View in person at the branch, click here
Special Event:
June 10, 2026 - "Final Wishes" Conversations and Facts You Should Consider - A Discussion with a Funeral Director & SnoCope's Operations Manager
A difficult discussion to have, but a necessary one – What happens when you pass on? A presentation hosted by a wonderful, local Funeral Director that goes over the most common questions and concerns families have regarding what happens when you or a loved one passes, and a funeral needs to be planned. But she presents the information in a more pleasant manner with an upbeat theme at a better time in life when you can clearly think about matters. This is a lighthearted approach to a challenging topic with transparent, factual answers for the questions you and your family might face. Finishing the discussion, you'll here from the SnoCope's Branch Manager on what we, as a financial institution, need to have from the family when someone passes and the process we must follow legally when money is involved.
View in person at the branch, click here
Special Event:
June 24, 2026 - PERS Lunch-and-Learn
Demystifying Your PERS Retirement Benefits
Feeling uncertain about your Washington State PERS plan? You're not alone. In this practical lunch and learn, Certified Financial Planner Jeff Downer will break down the complexities of PERS in plain English. Get clarity on calculating your benefits, understanding your payout options, and how to integrate your retirement plan with other income like Social Security. Leave feeling confident and prepared for the future.
Complimentary lunch provided, please RSVP by clicking here
July 15, 2026 - Savvy IRA Planning
Your IRA Strategy: Navigate Withdrawals, Rollovers, and Roth Conversions with Confidence.
Approaching retirement? Have an old 401K that you don't know what to do with? The decisions you make with your IRA now will define your income for decades. In this expert-led webinar, Certified Financial Planner and retirement expert Jeff Downer will simplify complex rules and help you build a strategic plan. Get clear answers on required withdrawals, direct vs. indirect rollovers, and whether a Roth conversion is right for you.
View in person at the branch, click here
August 12, 2026 - Savvy Medicare Planning
Navigate Medicare with Confidence: Avoid Costly Penalties and Make the Right Choice.
The maze of Medicare Parts A, B, C, D, and Medigap can be overwhelming, and a misstep can lead to lifelong penalties. Let Certified Financial Planner Jeff Downer be your guide. This webinar will provide a clear timeline for enrollment and a straightforward framework for comparing your supplemental coverage options, so you can make a savvy, informed decision.
We will discuss:
- What Medicare is, who is eligible for it, and how you get it.
- Who needs to enroll in Medicare and when.
- The two ways to have Medicare—and how to choose.
- What Medicare costs, and how to mitigate those costs through private insurance.
- How to start preparing for future healthcare costs
View in person at the branch, click here
September 9, 2026 - Preparing for Retirement
Don't Guess at Retirement. Get a Plan.
Stop wondering if you're on track. This session with Jeff Downer, CFP® (25 years of experience), provides the foundational steps to build your retirement plan. Discover how to define your retirement, calculate your needs, and mitigate risks. Get the clarity you need to move forward confidently. All attendees have the opportunity for a free, one-on-one consultation.
Specifically we will discuss:
- How do I want to retire?
- How much money will I need to retire?
- When is the right time to retire?
- Who do I share my retirement income with?
- What are the greatest risks to my retirement?
- How do I invest for retirement?
View in person at the branch, click here
September 23, 2026 - Understanding Life Insurance
Life Insurance - The Cornerstone of Your Financial Plan.
Life insurance is a key part of a secure financial future, but it's often misunderstood. Let Certified Financial Planner Jeff Downer guide you through the essentials. This webinar will provide a clear overview of your options and a practical way to determine the right type and amount of coverage for your needs.
View in person at the branch, click here
October 7, 2026 - Savvy Long-Term Care Planning
Navigate Long-Term Care with Confidence: A Proactive Guide.
Facing the possibility of long-term care can feel overwhelming. The costs are often misunderstood, and the options seem complex. Join Certified Financial Planner Jeff Downer for a session focused on clarity and control. You'll learn specific strategies to protect your family's assets and reduce future stress, helping you understand your options before a crisis calls for action.
We will discuss in detail:
• Getting long-term care planning right
• Smart approaches for people at all stages
• 4 Keys to making a difference in a family caregiving challenge
View in person at the branch, click here
Special Event:
October 21, 2026 - Savvy Social Security Lunch-and-Learn
Your Social Security Strategy: Get the Most Out of Your Benefits.
Get the clarity you need to make one of your most important retirement decisions. In this webinar, Certified Financial Planner Jeff Downer will break down the complexities of Social Security. You'll learn proven strategies to help maximize your lifetime benefits and gain a realistic understanding of how it fits into your overall retirement income plan.
Complimentary lunch provided, please RSVP by clicking here
November 18, 2026 - Tax Planning in Retirement
Take Control of Your Retirement Taxes.
Will you pay more tax in retirement than you need to? Many do, simply by tapping their accounts in the wrong order. Join Certified Financial Planner Jeff Downer to learn how to build a proactive, multi-year tax strategy. Discover how to manage income from various sources to potentially reduce your tax bill, avoid the Social Security tax trap, and keep more of your hard-earned savings.
Registration available soon
View in person at the branch, click here
