Protecting and Growing Wealth

This culminating unit focuses on advanced strategies for preserving and growing personal wealth, including investing during market downturns, retirement and estate planning, and protecting against fraud and scams. Students learn to evaluate information sources, control spending impulses, and create practical plans to safeguard assets and long-term financial security.

Learning Objectives

• Analyze investment opportunities and market conditions using provided scenarios and data to recommend buy, hold, or diversify decisions that align with long-term financial goals
• Apply estate- and retirement-planning tools (wills, trusts, beneficiary designations, and retirement account strategies) to create or update a basic individualized plan
• Evaluate personal exposure to identity theft and fraud by identifying common red flags and producing a prioritized mitigation and response plan (monitoring, freezes, reporting)
• Demonstrate behavioral and information-evaluation strategies—such as a news diet, impulse-spend controls, and vetting offers—to reduce unnecessary expenses and make more informed consumer and investment choices