Nothing to Wear? Consider Your Wardrobe Problems Solved

Laura Shin
Posted

When you get up in the morning, you probably never think, “I have nothing to wear!”

Just kidding.

We know how it goes. You get up and bounce over to your closet, psyched to look really good. But sometimes, when you throw on an outfit, it just falls short.

Well, we’ve got a solution for you. It’s called the Essential Outfitter.

Simply put, it’s a magical tool that will help you combine basics effortlessly—and make you look good all the time.

To create the Essential Outfitter, we drew up a list of 15 wardrobe basics guaranteed to go the distance for you. These are the go-tos you turn to over and over again on nothing-to-wear mornings; the ones that will boost your confidence in the conference room and at cocktail parties. The ones that never go out of style.

Then, we tossed in 15 essential accessories, mixed everything up and served up perfect outfits for every occasion, from date nights to business lunches to weekend brunches. We’ve even got you covered on vacation.

Select any item in the Essential Outfitter (which is just one of the many fun tools in our Priceless Style Bootcamp), and see how many looks you can create with only 15 essential clothing items and 15 essential accessories.

But when you’re done, don’t close the window! We wouldn’t leave you all inspired with nowhere to go, so we’ve included a chart of good value, mid-range and high-end versions of each of the classic work pieces we recommend.

Select your outfit essential:

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    • How Does Your
      Budget Break Down?

      Your Monthly Income:
      Your Essential Expenses:
      Rent/Mortgage
      Groceries
      transportation
      Utilities
      Your Financial Priorities:
      Credit Card Debt Repayment
      Other Debt Repayment
      Retirement Savings
      401(k) Contribution
      Other retirement contributions (IRA)
      Emergency Fund Savings
      Your Lifestyle Choices
      Child Care
      Cell Phone
      Cable Internet
      Entertainment
      Personal Care
      Restaurants
      Shopping
      Other

      LV Recommended Breakdown:

      Your Breakdown:

      Your expenses exceed your income.
      Please adjust your budget.

      This tool is for illustrative and educational purposes only. You should speak to a financial professional before making any big decisions.

    • Enter your after tax annual salary*:

      How much extra income do you have after expenses?

      It's tight
      A lot! I'm good!

      How much free time do you have?

      A Lot
      Barely Any

      Is your priority cutting costs or saving time?

      Save Time
      Cut Costs

      * For a rough estimate, multiply your gross annual salary by 0.75.

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    • This Or That

      Ex: morning coffee, night out
      Whip your finances into shape with LearnVest's Bootcamps
      You Spend

      on per year

      For that amount you could...
      [an error occurred while processing the directive]

    • How Will My Money Grow Over Time?

      What's your goal?

      How much do you already have set aside for ?

      What's your marginal tax bracket?

      How much can you save each year for your goal?

      Will you be able to increase your contribution over the years? If so, by what percent each year?

      How many years until your goal?

      What interest rate will this earn?

      Typical return on a savings account: 1.5%
      Inflation 3%
      Historic investment return: 8%

      Growth Over Time

      Years
      Amount Accrued in 0 Years
      $0.00
      Remember: Because of inflation, the buying power of this amount decreases over time. Historically, inflation has increased at an average of 3% each year. If your rate of return is less than the rate of inflation, you are losing money.
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      [an error occurred while processing the directive]
      [an error occurred while processing the directive]

    • To Pay Down Debt Or Invest?

      What kind of debt do you want to run the numbers on?

      Is the interest on this debt tax deductible?

      What is the interest rate on your debt?

      What are you considering investing for?

      Is the return for this investment goal taxable?

      What's your anticipated rate of return?

      Typical interest on a savings account: 1.5%
      Inflation: 3%
      Historic investment return: 8%

      What's your marginal tax bracket?

      Not sure? Play it safe with 25%

      Diagnosis

      8%
      Your after-tax
      cost of debt
      9%
      Your after-tax return
      on investments
      In this scenario, there is no significant difference between accelerating your debt repayment and investing. You should choose which feels right for you.

      Things To Keep In Mind

      • Do you have a big purchase coming up for which it would be better to improve your credit score by lowering your debt?
      • What will give you greater peace of mind?
      • There is no guarantee when it comes to investing. Markets can be volatile, whereas the interest on debt is known.
      • Check to make sure your emergency savings fund is intact before using extra funds to accelerate debt payment or invest.
      [an error occurred while processing the directive]
      In this scenario, the after-tax cost of your debt is greater than the after-tax return on your investments. You should consider using extra funds to accelerate your debt repayment before you invest.

      Things To Keep In Mind

      • Check to make sure your emergency savings fund is intact before using extra funds to accelerate debt repayment or to invest.
      [an error occurred while processing the directive]
      In this scenario, the after-tax cost of your debt is less than the after-tax return on your investments. You should consider using any extra funds to invest before accelerating your debt repayment.

      Things To Keep In Mind

      • Don't forget to always make your minimum debt payment!
      • Do you have a big purchase coming up where for which it would be better to improve your credit score by lowering your debt?
      • There is no guarantee when it comes to investing and markets can be volatile. In contrast, the interest on debt is known.
      • Check to make sure your emergency savings fund is intact before using extra funds to accelerate debt repayment or to invest.
      [an error occurred while processing the directive]
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    • tooltip-pulse

      Birthplace: Westlake, TX

      36% of U.S. children who are born into families in the highest income tax bracket will stay in that bracket as they become adults. (With a median income of $250,000, Westlake tops the list of most affluent neighborhoods in the U.S.)

      tooltip-pulse

      Deborah

      A survey of LinkedIn profiles found that the top female CEO names, in ranked order, are Deborah, Sally, Debra, Cynthia and Carolyn.

      tooltip-pulse

      Asian

      As of 2008, Asian families in the United States earned a median income of $73,578—more than white families ($65,000), Hispanic families ($40,466) and black families ($39,879).

      tooltip-pulse

      Non-Smoker

      The net worth of non-smokers is $8,300 higher than heavy smokers and $2,000 higher than light smokers.

      tooltip-pulse

      Pharmacist

      Female pharmacists have the highest median weekly earnings among women, earning $1,647 every week. Chief executives and lawyers also top the list of highest paying jobs for women.

      tooltip-pulse

      Blonde

      Blonde women in the UK make more than their brunette and redheaded counterparts. Blondes have a monthly take-home pay equivalent to $1,556, while brunettes make $1,432 and redheads make $1,357.

      tooltip-pulse

      Left-Handed

      Left-handed people earn 5% more per hour than right-handed people. However, this effect is more pronounced in men.

      tooltip-pulse

      29 and Single

      Single and childless women under 30 living in the biggest American cities earn 8-20% more than their male co-workers.

      tooltip-pulse

      Beautiful

      Beautiful women earn about 5% more than average-looking women, and women with below-average looks make 9% less than their ordinary-looking counterparts. But being too attractive can work against you, especially if you're applying for a "masculine" job such as mechanical engineer or director of finance.

      tooltip-pulse

      Eldest Child

      The eldest child is the most likely to earn a six-figure salary. The youngest child, on the other hand, is the least likely to earn $100,000 or more.

      tooltip-pulse

      Drinker

      Women drinkers earn 14% more than non-drinkers, according to a study published by the Journal of Labor Research.

      tooltip-pulse

      MBA

      The more education a woman has, the more income she will likely earn over a lifetime. A woman with a professional degree, for example, will earn, on average, $4.4 million over a lifetime, compared to $1.2 million for a high school graduate.

      tooltip-pulse

      5'10''

      Studies have shown that tall people tend to earn more than their short co-workers. Every extra inch is worth an extra $1,000 per year in wages.

      tooltip-pulse

      Notable Trait: Assertive

      Women who score low on "agreeableness" (or more bluntly, women who are mean) earn on average about 5% or $1,828 more than those who to try to please.

      tooltip-pulse

      130 pounds

      Women considered "very thin" (25 pounds less than average) make $22,000 more every year than their co-workers of normal weight. Among white women, an extra 65 pounds is correlated with a 7% reduction in wages.

      tooltip-pulse

      Current Residence: Washington, D.C.

      Washington, D.C. tops the list of American metropolitan regions with the highest income.

      tooltip-pulse

      Good Credit Report

      Employers check credit reports during the hiring process to get an idea of your work ethic and financial responsibility. A good credit report can greatly boost your chances of landing a job.

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      LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

    • LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

    • LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

    • LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

    • LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

    • LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

    • LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third-parties listed, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

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    • Winter Boots, Clothing and Coats:

      Get in on winter sales now for the best selection

      Suits:

      Around the new year, stores discount their fall suits

      Perfume:

      A popular holiday gift, perfume is often on sale after the season

      Home Furnishings:

      Retailers are making room for new inventory

      Calendars:

      Just after the new year, prices are drastically reduced

      Carpets and Flooring:

      Many people spruce up their homes during the holidays, so prices plummet afterwards

      Big Appliances:

      Stock not sold during the holiday rush is now heavily discounted

      Linens and Bedding:

      Ever-popular "white sales" make January the best month for these items

      Holiday Supplies:

      If you're willing and able to store cards and wrapping paper for a year, you can find them now for up to 80% off

      Office Furniture:

      Retailers cater to home businesses starting around the new year

      Video Games:

      New games are released for the holidays, but you can get them marked down afterwards

    • Winter Boots, Clothing and Coats:

      The selection is sparser, but the sales are steeper

      Perfume:

      Score a deal after Valentine’s Day

      Homes:

      Bad weather keeps buyers at bay, so competition is weak, and sellers are eager

      Home Renovations:

      You’ll pay less and get more attention from contractors, because few people renovate so early in the year

      Bicycles:

      Retailers mark down older models to make room for new inventory in February and March

      Cameras:

      New models come out in January and February, so buy last year’s version at a discount

      Home Entertainment Systems:

      The best TV and home theater sales come just before the Super Bowl

      Video Games:

      New games are released for the holidays, so you can get them marked down after the rush

      Chocolates and Candy:

      Buy after Valentine’s Day, of course

    • Sweaters and Cashmere:

      Prices can be reduced by as much as 25% to 40% from the end of March through April

      China and Flatware:

      Get in on inventory left over from the holidays

      Air Conditioners:

      Don’t wait for the weather to get hot; demand is low now, as are prices

      Gas Grills:

      As with air conditioners, demand and prices are low

      Gardening Tools:

      Rakes, hoes, shovels and other gardening implements are as much as 50% off

      Frozen Food:

      It’s National Frozen Food Month, so supermarkets celebrate with sales

    • Sweaters and Cashmere:

      Stock up now on next winter's sweaters with steep sales

      Sneakers:

      In spring, stores entice warm-weather runners with sales

      Vacuum Cleaners:

      Retailers slash prices now to make room for new models in June

      Snow Blowers:

      Come April, demand is low, so scoop up one for next year

      Office Furniture:

      Retailers cater to home businesses starting after tax season

      Cruises:

      This is the season for repositioning cruises, which have fewer ports of call but are cheaper and of great value

      Electronics:

      After the Japanese fiscal year closes at the end of March, retailers make room for new models of Japanese electronics

    • Sweaters and Cashmere:

      Prices can be reduced by as much as 25% to 40%

      Vacuum Cleaners:

      Retailers slash prices now to make room for new models in June

      Cookware:

      Graduation and wedding promotions mean you should buy pots and pans now

      Refrigerators:

      New fridges come out during the summer, so stores are clearing space; negotiate a deal

      Big Appliances:

      Stock not sold during the holiday rush is now heavily discounted

      Patio Furniture:

      Warm weather means newer models, so buy last season’s styles now

      Grilling Supplies:

      Get charcoal and lighter fluid before summer kicks into high gear and prices go up

      Small Kitchen Appliances:

      Get your mixers and blenders now, when there are sales for wedding and graduation season

      Party Supplies:

      Whether or not you’re throwing a graduation party, stock up on disposable plates, cups, etc.

      Electronics:

      After the Japanese fiscal year closes at the end of March, retailers make room for new models of Japanese electronics

      Mattresses and Box Springs:

      Stores want to make room for new models, so negotiate a good deal now

    • Men’s Suits:

      Father’s Day sales mean low prices

      Tools:

      Father’s Day strikes again

      Cookware:

      It’s not only wedding bells that are ringing—registers are ringing with sales of pots and pans

      Paint:

      When it’s hot out, no one feels like painting … which is why it’s cheap at this time of year

      Butter:

      Butter production is at its best in June and July, so prices are accordingly low; freeze for up to six months to make it last

      Champagne and Sparkling Wine:

      There are usually deals for bubbly during the holidays and before June weddings

      Gym Memberships:

      The outdoors beckon, so gyms are offering deals

    • Suits:

      Get a spring suit—in the middle of summer

      Furniture:

      Retailers are clearing space to make room for new inventory

      Big Appliances:

      Take advantage of Independence Day sales

      Paint:

      When it’s hot out, no one feels like painting … which is why it’s cheap at this time of year

      Butter:

      Butter production is at its best in June and July, so prices are accordingly low; freeze for up to six months to make it last

    • Flip-flops:

      Ever-useful flip-flops are harder to find later in the year; buy them now when retailers still have them in stock and they’re on sale

      School Supplies:

      Back-to-school sales!

      Trees, Shrubs, Plants:

      Nab end-of-summer deals late in the month, and store your plants according to instructions until next spring. Alternatively, buy bulbs, which you can plant whenever

      Lawn Mowers and Swing Sets:

      Stores discount these summer items now to make room for fall products

      Computers:

      Capitalize on back-to-school sales

      MP3 Players:

      Stores want to get rid of old models before October when new styles come out and the holiday rush begins

    • China and Flatware:

      Get in on the inventory left over from wedding season

      Wine:

      The harvest is coming in, so you can find eclectic wines from smaller wineries early in the season

      Computers:

      Upgrade yours during back-to-school sales

      Jeans:

      The remainders from back-to-school season are now available inexpensively for kids and adults

      MP3 Players:

      Stores want to get rid of old models before October, when new styles come out and the holiday rush begins

      Cars:

      Next year’s models have arrived, so dealers want to sell the current year’s leftovers, giving you negotiating leverage

      Holiday Airfare:

      It’s about eight weeks before Thanksgiving, so make travel plans before flights book up and prices skyrocket

    • Jeans:

      The back-to-school sales continue, with sparser selection but steeper discounts

      Swimsuits:

      Cash in on swimwear sales now through November

      Big Appliances:

      Buy last year’s models now; shop during Columbus Day weekend, because stores celebrate even small holidays with sales

      Air Conditioners:

      Temperatures are cooling, and so are prices

      Gas Grills:

      Pick these up now for next summer

      School Supplies:

      Back-to-school sales!

      Toys:

      Retailers lower prices as early as October in order to maximize holiday sales

      Cars:

      Next year’s models have arrived, so dealers want to sell the current year’s leftovers, giving you negotiating leverage

      Health Insurance:

      Open enrollment may be your one chance to sign up for insurance for next year

    • Wedding Dresses:

      Wedding fever is at its lowest pitch now

      Swimsuits:

      Swimwear is as much as 90% off, but selection is low

      Cookware:

      Kitchenware becomes cheaper as the holidays approach

      Christmas Trees:

      For the best selection, get your tree right after Thanksgiving; it’ll stay good for at least a month, and trees later in the season have been cut weeks earlier anyway

      Frozen Turkeys:

      Buy one immediately after Thanksgiving, when grocery stores still have a glut

      Toys:

      Retailers are slashing prices to maximize holiday sales

      Electronics:

      Black Friday and Cyber Monday offer great deals on everything from TVs to computers

    • Wedding Dresses:

      The beginning of December is the slow season, so get in before holiday engagements

      Televisions:

      In the run up to the holidays, stores have big sales on TVs

      Pools:

      Off-season, you’ll find the cheapest prices, though maybe not the best inventory

      Small Kitchen Appliances:

      Get your mixer and blender during holiday sales

      Champagne and Sparkling Wine:

      Although these are in high demand, prices are also more competitive than usual

      Frozen Meat:

      Buy this immediately after Christmas, when grocery stores still have a glut

    • Jan
    • Feb
    • March
    • April
    • May
    • June
    • July
    • Aug
    • Sept
    • Oct
    • Nov
    • Dec
    • The Paperwork

      Pick up a pen and paper and sketch out an estimate of whether you can make money with this idea of yours. This exercise is called a "break-even analysis" and it is done to estimate whether the revenue will balance the costs of doing business.

      There are several ways to do this, but here is one simple way to find out if your business idea will make money. You'll need to do some research to get acquainted with your industry--the designer baby-bib industry, let's say--and come up with a couple of numbers.

      • Fixed Costs: What are the overhead costs that don't change much month to month? $1,000
      • Variable Costs: How much does it cost in materials to produce one bib? $10
      • Price: How much do these bibs sell for? $15

      Now we'll plug these numbers into the following formula:
      Break-Even Point = Fixed Costs $1,000 / (Price $15 - Variable Costs $10) = 200 bibs

      In our example we find that you need to sell 200 bibs to break even. That's no profit. No salary. Just covering your costs. But once you have the estimate sketched out you can tinker with it. What if you charged $20 for each bib? Already you've cut your break-even point in half: you now only have to produce 100 bibs to break even. Still not possible?

      Back to the drawing board.

      The People

      The people around you--your friends, family and significant other--are likely the sounding board and support network that have gotten your business this far.

      But in order to go further, you will need funding, and these same people may spring to mind as a source. In fact, it is very common for new business owners to get started with money from friends and family. But you should never forget about options like personal savings, personal loans or lines of credit! A personal loan or investment from a loved one can be tricky, so follow these rules if you go that route:

      • Weigh the consequences: Think about potential problems involved with mixing money and relationships. Your investors may want to have a say over your shoulder or may feel you "owe them." You may also be more lax with these creditors, while they may not allow late payments.
      • Make a pitch: Treat your friend or family member like any other investor. Craft a professional pitch, even if it is presented to your mother in her nightie.
      • Put it in writing: Just to make everything clear, put down on paper the terms of how much you owe, the schedule for repayment and any penalties.

      The Place

      Where are you going to do what you do? Have you scoped out a vacant storefront? Are you planning on operating entirely online?

      If you are going to be opening a business that needs office or retail space, consider these factors before signing a lease and hanging out your shingle:

      • Your operational needs: This may seem obvious, but be sure to think through all aspects of your work and consider everything you may need from the space in the course of a regular week: Do you need a commercial-grade kitchen? Access to your office 24 hours a day? Readily available shipping services?
      • Zoning: Make sure that any property you are looking to lease is zoned for business. And if working from home, make sure your business does not violate any home-office zoning restrictions.
      • Licenses or permits: Once you have a location, secure the necessary licenses or permits for your city, municipality or state.

      The Intangibles

      Turning an idea into a lasting business takes a lot of work and determination. The pure and persistent belief in yourself and your idea will power your business idea as much as a ton of business proposals.

      As soon as your idea is fully formed, treat every potential business interaction professionally. Here are some suggestions:

      • Get involved in the industry: Join professional associations, participate in online discussion boards, attend happy hours or start up your own club for like-minded entrepreneurs.
      • Look the part: Dress appropriately for the industry and invest in business cards to hand out to those you meet.
      • Separate your business and personal life: Establish one email and one phone number for business dealings, and make sure the email address is not too personal.
    • You're already operating your business. Magnificent! Chances are you're running hard to keep up with all the things you need to do. But take a moment to evaluate where you are and what you need to focus on going forward. That way, you can keep your goals in mind while taking this bootcamp and use the information and resources here to your best advantage. Consider the following:

      The Paperwork

      You might have glossed over the chart above since your business structure is already set. But consider for a moment whether the way you originally established it still makes sense for you. For example, if you started your business as a sole proprietorship because it was cheap and easy, you may find that there is now no separation between the business and your personal funds, subjecting your finances to the risks of the business. Maybe it's a good time to evolve into an S-Corp, so that you can add a layer of protection for yourself that a sole proprietorship or partnership does not offer.

      The People

      When you got started, you and any other founders took on set roles. As your business has grown, you want to make sure that each person's responsibilities continue to match his or her skill set, and that everyone's expectations are aligned. One way to avoid messy--and costly--misunderstandings later is to draft a partnership agreement. This kind of document, also available at LegalZoom.com, will make it a much more enjoyable trip for all. If it is employees you're thinking about--and we'll address hiring in more detail later this week--be sure you can afford the cost of full time labor. If you can't you may want to consider hiring a contractor, freelancer or part-timer for the short term.

      The Place

      If you have boxes of inventory piled up in your garage or have ever had barking dogs interrupt business phone calls, it might be time to give your business its own space. Committing to a space is a big leap, though, so you need to thoroughly weigh the benefits. Or, if you've been renting an office space but are finding the cost to be a burden, you should consider alternatives.

      Many small business owners are now sharing offices. National companies like Regus provide desks, conference rooms and telephone receptionists to individuals or small companies. Most metropolitan areas have locally owned shared work sites that you can check out. There are also industry-specific shared co-working spaces so that you can get to know other graphic designers, for example.

      The Intangibles

      While cash, inventory and equipment are fairly obvious assets, take a moment to take stock of the intangible assets of your business.

      • Contracts: Firm up contracts with service providers now to avoid misunderstandings later.
      • Trademarks and Patents: Look at your business name, slogan or logo and decide if any of them might benefit from a registered trademark, which will protect your product or service from fakes and establish a legal standing for the mark in court, helping to make your product or service distinct in the marketplace. Start by searching the database of currently registered names and designs that the United States Patent and Trademark Office offers to be sure yours is not already in use. Other information about trademarking your intellectual property can be found on the site's Trademark Basics page.
      • Website urls: Even big businesses can get tripped up securing and renewing website names. Do a WhoIs search to see if anyone is already using your desired domain name. Once you register the name, the Internet Corporation for Assigned Names and Numbers (ICANN) requires the registrar to submit your personal contact information to the WHOIS database, which makes your listing publicly available. If your dream website name is taken, you may be able to buy it from the current user.
    • Getting Started
    • Up and Running
    • Exercising at least 150 minutes a week can help you sleep better and feel more alert during the day, which will up your productivity and help you impress your boss at meetings. In fact, getting in a midday workout has the net effect of boosting your productivity in the afternoon--even though you're spending less time at the office overall. It increases your creativity right afterward and decreases sleepiness. And you'll need to take fewer of your sick days if you exercise regularly.

    • According to an Insurance.com analysis, if you are a 180-pound woman, dropping 20 to 40 pounds could save you $189 a year on a term life insurance policy, and $527 a year on whole life insurance.



    • According to the American Heart Association, physically active people save $500 a year in health care costs. And according to Lehigh University, obese women can expect to spend $3,613 extra a year in medical spending, especially for hospitalizations and prescription drugs. In fact, the way the numbers break down, you would actually be better off smoking at a healthy weight than not smoking while obese (not that we're telling you to start lighting up!).

    • Forcing your car to tote around extra weight will cost you more in gas as well. Americans are now burning nearly 1 billion more gallons of gasoline each year than they did in 1960 because of our increased collective weight.



    • An April 2012 study by the University of Manchester and Monash University Melbourne found that those who were overweight are discriminated against by hiring managers and are less likely to win a position. That same study found that hiring managers also offered a lower starting salary to overweight candidates. A study by Cornell also found that overweight women on average earn 7% less than fitter women. Unfortunately, weight seems to affect women's earnings more than men's: A female baby boomer earns $313.70 less per year for every one-point increase in her B.M.I., while men only lose $161.30 per point increase.

    • This all adds up to a huge difference in your accumulation of wealth and retirement funds, and it affects not only the obese, but also the mildly overweight. For every one-point increase in your B.M.I. over the healthy range, a typical American's net worth drops by $1,000. On average, the obese will accumulate just half the wealth of a person in a normal weight range.

    • Productivity
    • Life Insurance
    • Health Care
    • Gas
    • Compensation
    • Overall
    • How do you balance spending on your kids with spending on yourself?

      The LearnVest Program helps you figure out how to find the right balance. Get a taste with our free tool!

      Get started

    • How do you budget for your big day—and beyond?

      The only way to make tangible progress on your financial goals—including living happily ever after—is to have a financial plan.

      Become a Member

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    • Want to have money left over to make your home homier?

      You can save money faster by knowing exactly where you spend it. Start building up your “renovation” budget today.

      Become a Member

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    • Saving up for your next big trip?

      You can save more money faster by knowing exactly where you spend it. Start tracking your purchases.

      Become a Member

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    • Want more money left over to look your best?

      Get a financial plan: It’s the fastest way to make more progress on your financial goals.

      Become a Member

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    • What’s the secret to a happy relationship?

      Being on the same page about your finances. Here’s how to get a financial plan that works for both of you.

      Become a Member

      Get Started

    • How much do you spend on food each month?

      You can save a ton of my by knowing exactly where you spend it. Start tracking your purchases.

      Become a Member

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    • Isn’t it time you stopped overthinking about money?

      Start tracking your spending today, and take the first step toward financial success tomorrow.

      Become a Member

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    • Want to get more out of your paycheck?

      Know exactly where every dollar you’re earning goes. Start tracking your spending … and save more … starting today.

      Become a Member

      Get Started

    • Track your monthly grocery spending now

      Get in the habit of tracking your grocery bill. When you know what you spend on average you'll spend more wisely each month.

      Get Started

    • Where does your money go every month?

      You can actually save money by knowing exactly where you spend it. Start tracking your purchases.

      Get Started

      Get Started

    • subcategories
    • recipes-content
    • Advertising inquiry
    • Press inquiry
    • Partnership opportunity
    • Content pitch
    • Financial confession
    • Financial success story
    • My Money Center support
    • Make A Plan Support
    • Suggestions

    • Favorite Financial Advice To Give:

      6 Years

      Hobbies:

      Paying off my credit cards in full every month (since college) and limiting myself to know what I can afford to pay for in cash to avoid carrying credit card debt!

      Fun Fact:

      I love my cat and spending time with friends & family, plyometrics classes, movies and traveling.


      Form ADV Part 2B
      BROCHURE SUPPLEMENT FOR SUPERVISED PERSONS

      TINA TESTER

       

      Tel. (866) 931-4099
      www.learnvest.com
      LearnVest Planning Services, LLC
      41 E 11th St, 2nd Floor
      New York, NY 10003
      June 30, 2015

      This Brochure Supplement (Form ADV Part 2B) provides information about  Brandie Alyssa Farnam, that supplements LearnVest Planning Services, LLC’s Disclosure Brochure (Form ADV Part 2A) (our “Brochure”). You already should have received a copy of our Brochure. Please contact us at FEEDBACK@LEARNVEST.COM if you did not receive our Brochure or if you have any questions about the contents of this supplement. Additional information about LearnVest Planning Services, LLC is available on the SEC website at www.adviserinfo.sec.gov.

      Educational Background and Business Experience:

      Brandie Farnam, born 1983.

      Brandie Farnam currently serves as a Financial Planner for LearnVest Planning Services, LLC (the “Firm”).

      Ms. Farnam currently serves as a Financial Planner for LearnVest Planning Services, LLC (the “Firm”).Since March 2012, Ms. Farnam has served as a Financial Planner for the Firm. Prior to joining the Firm, from July 2010 to March 2012, Ms. Farnam was a Financial Advisor for Morgan Stanley Smith Barney, in New York, New York. From March 2009 to June 2009, Ms. Farnam served as a Registered Client Service Associate at Morgan Stanley in New York, New York. From November 2006 to March 2009 Ms. Farnam was a Client Service Associate at UBS Financial Services in New York, New York.

      In 2006, Ms. Farnam graduated from University of Colorado at Boulder with a Business Degree and Concentration in Finance.

      Disciplinary Information:

      Ms. Farnam has not been involved in any legal or disciplinary events material to a client’s or prospective client’s evaluation of Ms. Farnam.

      Other Business Activities:
      1. Ms. Farnam is not actively engaged in any investment-related business or occupation, including being registered, or having an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant (“FCM”), commodity pool operator (“CPO”), or commodity trading advisor (“CTA”), nor is she an associated person of an FCM, CPO, or CTA.
      1. Ms. Farnam is not actively engaged in any business or occupation for compensation not discussed in response to Item 4.(A), above, that provides a substantial source of Ms. Farnam’s income or involves a substantial amount of Ms. Farnam’s time.

      Additional Compensation:

      Ms. Farnam may receive performance-based compensation from LearnVest based on the conversion of new planning subscriptions. Ms. Farnam does not receive any economic benefit associated with the sale of financial instruments or client referrals.

      Supervision:

      Ms. Farnam’s performance, activities and the advice she provides to clients are supervised by the Director of Financial Planning, Christopher Pimpo. Christopher Pimpo can be reached at (866) 931-4099.


    • headshot

      Form ADV Part 2B

      BROCHURE SUPPLEMENT FOR SUPERVISED PERSONS

      Toby Nolan Brown

      (CRD # 6805178)

       

      Tel. (866) 931-4099

      www.learnvest.com

      LearnVest Planning Services, LLC

      41 East 11th Street, 2nd Floor

      New York, NY 10003

      1375 N Scottsdale Rd, #370

      Scottsdale, AZ 85257

      July 6th, 2017


       

      This Brochure Supplement, Form ADV Part 2B, provides information about Toby Nolan Brown that supplements LearnVest Planning Services, LLC’s Disclosure Brochure, Form ADV Part 2A, (our “Brochure”). You already should have received a copy of our Brochure. Please contact us at SUPPORT@LEARNVESTPLANNING.COM if you did not receive our Brochure or if you have any questions about the contents of this supplement. Additional information about LearnVest Planning Services, LLC is available on the SEC website at www.adviserinfo.sec.gov.

       

      Educational Background and Business Experience:

       

      Toby Nolan Brown, born 1987.

       

      Mr. Brown currently serves as a LearnVest Planner for LearnVest Planning Services, LLC (the “Firm”).

       

      Since May 2017, Mr. Brown has served as a LearnVest Planner for the Firm. Prior to joining the Firm, from November 2010 to May 2017, Mr. Brown was Assistant General Manager for Saltgrass Steak House, in Arlington, Texas.

       

      In 2016, Mr. Brown graduated from Mountain View College in Dallas, Texas with a degree in Finance.

       

      The role of the financial planner at LearnVest is to collaborate with clients in order to help develop an actionable financial plan for them, using a set of planning standards that have been established by the company. They may also provide continual advice as clients work toward implementing various parts of their plan.

       

      Planners employed by the firm are required to complete an internal training program that begins with intensive classroom sessions before directly working with clients. During the final phase, each planner’s proficiency is evaluated based on their coursework and client interactions. After the training program is completed, planners are continually evaluated on their performance by management and members of the quality assurance team to ensure they are adhering to company planning standards and maintaining client satisfaction.

       

      Disciplinary Information:

       

      Mr. Brown has not been involved in any legal or disciplinary events material to a client’s or prospective client’s evaluation of Mr. Brown.

       

      Other Business Activities:

       

      1. Mr. Brown is not actively engaged in any investment-related business or occupation, including being registered, or having an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant (“FCM”), commodity pool operator (“CPO”), or commodity trading advisor (“CTA”), nor is he an associated person of an FCM, CPO, or CTA.

       

      1. Mr. Brown is not actively engaged in any business or occupation for compensation not discussed in response to Item 4(A), above, that provides a substantial source of Mr. Brown’s income or involves a substantial amount of Mr. Brown’s time.  

       

      Additional Compensation:  

       

      Mr. Brown does not receive any economic benefit associated with the sale of financial instruments or client referrals.

       

      Supervision:  

      Mr. Brown’s performance, activities and the advice he provides to clients are supervised by the Director of Financial Planning, Christopher Pimpo.  Christopher can be reached at (866) 413-7883.


    • headshot (2)

      Form ADV Part 2B
      BROCHURE SUPPLEMENT FOR SUPERVISED PERSONS
      Alexander Richard Moreno
      (CRD # 6805998)

      Tel. (866) 931-4099

      www.learnvest.com

      LearnVest Planning Services, LLC

      41 East 11th Street, 2nd Floor

      New York, NY 10003

      1375 N Scottsdale Rd, #370

      Scottsdale, AZ 85257

      July 11, 2017



      This Brochure Supplement (Form ADV Part 2B) provides information about Alexander Richard Moreno, that supplements LearnVest Planning Services, LLC’s Disclosure Brochure (Form ADV Part 2A) (our “Brochure”). You already should have received a copy of our Brochure. Please contact us at SUPPORT@LEARNVESTPLANNING.COM if you did not receive our Brochure or if you have any questions about the contents of this supplement. Additional information about LearnVest Planning Services, LLC is available on the SEC website at www.adviserinfo.sec.gov.

      Educational Background and Business Experience:

      Alexander Richard Moreno, born 1991.

      Mr. Moreno currently serves as a LearnVest Planner for LearnVest Planning Services, LLC (the “Firm”).

      Since May, 2017, Mr. Moreno has served as a LearnVest Planner for the Firm. Prior to joining the Firm, from August 2016 to May 2017, Mr. Moreno was Program Expert for the Firm. From April 2016 to July 2016, Mr. Moreno was Event Facilitator for Corporate Follies in Phoenix, Arizona. From January 2016 to April 2016, Mr. Moreno was Account Representative for Uline in Phoenix, Arizona. From June 2015 to November 2015, Mr. Moreno was Sales Development Representative for Zenefits in Scottsdale, Arizona. From June 2014 to January 2015, Mr. Moreno was Sales Development Representative for Citrix in Tempe, Arizona. From June 2013 to May 2014, Mr. Moreno was Account Manager for International Cruise and Excursions, Inc. in Scottsdale, Arizona. From August 2010 to May 2015, Mr. Moreno was Student at Arizona State University in Tempe, Arizona.

      In 2015, Mr. Moreno graduated from Arizona State University in Tempe, Arizona with a degree in Business and Corporate Communications.

      The role of the financial planner at LearnVest is to collaborate with clients in order to help develop an actionable financial plan for them, using a set of planning standards that have been established by the company. They may also provide continual advice as clients work toward implementing various parts of their plan.

      Planners employed by the firm are required to complete an internal training program that begins with intensive classroom sessions before directly working with clients. During the final phase, each planner’s proficiency is evaluated based on their coursework and client interactions. After the training program is completed, planners are continually evaluated on their performance by management and members of the quality assurance team to ensure they are adhering to company planning standards and maintaining client satisfaction.

      Disciplinary Information:

      Mr. Moreno has not been involved in any legal or disciplinary events material to a client’s or prospective client’s evaluation of Mr. Moreno.

      Other Business Activities:

      Mr. Moreno is not actively engaged in any investment-related business or occupation, including being registered, or having an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant (“FCM”), commodity pool operator (“CPO”), or commodity trading advisor (“CTA”), nor is he an associated person of an FCM, CPO, or CTA.

      Mr. Moreno is not actively engaged in any business or occupation for compensation not discussed in response to Item 4(A), above, that provides a substantial source of Mr. Moreno’s income or involves a substantial amount of Mr. Moreno’s time.  

      Additional Compensation:  

      Mr. Moreno does not receive any economic benefit associated with the sale of financial instruments or client referrals.

      Supervision:  

      Mr. Moreno’s performance, activities and the advice he provides to clients are supervised by the Director of Financial Planning, Christopher Pimpo.  Christopher can be reached at (866) 413-7883.

      Requirements for State-Registered Advisers:  N/A

       

    • Tina Tester
    • Toby Nolan Brown
    • Alex Moreno
    • Contact Us Topics
    • Alexa von Tobel, CFP®

      • Founder and CEO of LearnVest.com
      • Vice President -- Client Experience, Northwestern Mutual and NM Future Ventures
      • New York Times-Bestselling Author of Financially Fearless
      • Founding team member of Drop.io (acquired by Facebook)
      • Formerly worked at Morgan Stanley's Proprietary Trading Desk
      • Received an A.B. in Psychology Honors at Harvard College
      • Harvard Business School
      • Member of the 2016 Class of Henry Crown Fellows
      • Columnist for Money Magazine
      • Hosts a weekly radio show on SiriusXM called Financially Fearless with Alexa von Tobel
      • CERTIFIED FINANCIAL PLANNER™ and Series 65 licensed

      Ainslie Simmonds

      • Chief Operating Officer, LearnVest
      • Former SVP of Innovation at Maddock Douglas, a product innovation agency
      • Former Chief Marketing and Product Development Officer at Investools/Thinkorswim, an online education and brokerage company, acquired by TD Ameritrade ($850MM transaction).
      • Former Partner at Markitecture, an innovation focused research firm, Vice President of Marketing for Coors/Molson and Director of Marketing in the soup division for the Campbell Soup Company.
      • Received MBA from Harvard University, and a BA from the University of Western Ontario.

      Aditi Gokhale

      • Chief Marketing Officer, LearnVest
      • Board Member of Churchill Downs Inc (CHDN)
      • Former Chief Marketing Officer, Shutterstock (SSTK)
      • Former Senior Vice President & General Manager, Digital, Nutrisystem (NTRI)
      • Former General Manager, IGOUGO.COM, subsidiary of Travelocity
      • Former CMO and Co-Founder, iQuanti
      • Vice President of Marketing, American Express Company (AXP)
      • Booz & Company (formerly Booz Allen & Hamilton)
      • MIT’s Sloan School of Management, 1999
      • Received a B.S. in Marketing and Economics from Massachusetts Institute of Technology, 1996


      image01Emilia Sherifova

      • Chief Technology Officer, LearnVest
      • Prior to joining the team, she was the CTO at Pulsepoint, Inc., an award-winning new media company, with properties including a content marketing platform, RTB/ad exchange, ESP, audience platform, and data analytics.
      • Served as the Chief Information Officer/Chief Tchnology Officer at OTC Markets Group, Inc, the largest US electronic trading venues for unlisted OTC equities.
      • Built one of the largest US Equity Trading Systems
      • Holds B.A. in Journalism from University of Bridgeport, graduated Summa Cum Laude
      • Holds Masters with concentration in International Business from Columbia University

      Hamilton Faris

      • Head of Data and Analytics, LearnVest
      • Former Vice President, Head of Global Data Strategy & Insights Delivery, MetLife
      • Former Vice President, Chief Data & Analytics Officer, Americas Region, MetLife
      • Former Vice President of Professional Services, PlanetSoft
      • Former Director, Solutions Architecture, MetLife
      • Former President, Aegeanblue Consulting
      • Former Senior Architect, Systems Consulting & Integration, Baan
      • Received a B.S. in Civil Engineering from North Carolina State University (1994)


      image02Kelly Leyden

      • Vice President of People, LearnVest
      • Experienced Human Resources leader with 16 years in multiple industries including technology, ecommerce, industrial manufacturing, entertainment and information management services.
      • Former Director of Human Resources Business Partner at eBay, Inc. supporting upward of 3000 employees both domestic and internationally across a $28 Billion portfolio
      • Led the creation of $7B globally consistent B2C sales and account management model and organization, including consistent segmentation; scaled and enhanced, pre-and post-sales capability/capacity; scaled merchant operations, global compensation plan and introduction of commercial finance to become the partner of choice for brands and merchants
      • Former Talent Acquisition Program Manager at Ingersoll Rand
      • Former Human Resources Representative at Iron Mountain
      • Holds B.A. in Political Science from University of Kansas


      image02Pete Petersen

      • Head of Transformation Office, LearnVest
      • Former VP of Integration Management Office for LearnVest and Northwestern Mutual.
      • Former head of $200 million strategic projects portfolio at Northwestern Mutual
      • Completed six month executive rotation in Northwestern Mutual distribution system (Maryland Network Office)
      • Sharpened leadership skills across five different business units, and 20 years, at Fortune 100 company
      • Industry speaker:  Client-centric innovation, Portfolio and Program Management, Operations Management
      • Received MBA from Marquette University, and BA from University of Wisconsin-Whitewater


      image00Stephany Kirkpatrick, CFP®, AIF®

      • Vice President of Product and Financial Advice Strategy, LearnVest
      • Former Vice President of Operations, LearnVest
      • Former Sr. Director of Retirement Planning at Pension Architects
      • Industry expert in personal finance as seen in the New York Times, WSJ, Forbes, Money Magazine, Parents, etc
      • CERTIFIED FINANCIAL PLANNER™, an Accredited Investment Fiduciary® and holds her Series 65 FINRA license.
      • Received a B.A. in International Management and Spanish from Pepperdine University
    • Lauren Sullivan | Senior Director of Content Marketing
      Lauren Sullivan is Senior Director of Content Marketing at LearnVest. A longtime client (she discovered LearnVest's awesomeness mid-panic attack, just hours after learning she was pregnant with her first child), she believes wholeheartedly that financial planning can be easy and, well, fun. Prior to joining the team, she worked at the TODAY show as Managing Editor of Content Strategy, ensuring the broadcast’s best moments—both on air and behind the scenes—were delivered to fans after their TVs turn off. Leveraging content, social and multimedia channels, she helped build TODAY’s digital audience into a millions-strong community.

       

      Bobbie Gossage | Director of Content
      Bobbie Gossage is Director of Content at LearnVest. Prior to joining the team, she was Executive Editor of Inc. Magazine, where she produced award-winning features about entrepreneurship. She has also written extensively for other publications about careers, finance, real estate, travel, philanthropy and business. Most recently, she led the editorial team at Etsy, creating articles, guides and podcasts for the millions of entrepreneurs who use the platform to run their businesses.

       

      Julia Chang | Deputy Editor
      Julia Chang is a Deputy Editor at LearnVest. Previously, she worked for the custom content division of Time Inc., where she helped produce award-winning print and online content for financial consumers. Most of her career has been in business and financial journalism, but when she's not thinking or writing about money, she's watching the latest mystery or suspense series in marathon sessions.

      See articles by Julia

       

      Jennifer Liu | Assistant Editor
      Jennifer Liu is an Assistant Editor at LearnVest. She graduated from the University of Missouri School of Journalism with an emphasis in magazine editing. She has worked for publications specializing in women's lifestyle, music, film, entertainment and local-business content across New York, London and Missouri.

      See articles by Jennifer

       

      Christine Aebischer | Editorial Assistant
      Christine Aebischer is an Editorial Assistant at LearnVest. She graduated from The College of New Jersey with degrees in journalism and English. Prior to joining LearnVest, she created digital and print content for publications specializing in luxury real estate, interior design and lifestyle trends.

      See articles by Christine

       

      Nina Stoller-Lindsey | Digital Marketing Associate
      Nina Stoller-Lindsey is a Digital Marketing Associate at LearnVest, where she's also worked in email marketing, ad copywriting and PR. As a freelance journalist, Nina has written for The Atlantic, New York Magazine, Time Out New York, Quartz, Thrillist and Mic, covering arts and culture topics ranging from the science behind the art of Jeff Koons to instrumental jazz covers of Michael Jackson megahits.

      See articles by Nina

    • Our Board of Directors

      Alexa von Tobel, CFP® | CEO & Founder
      Alexa is the founder and CEO of LearnVest.com, and the New York Times-Bestselling Author of Financially Fearless. Alexa launched LearnVest in 2009 with the goal of making financial planning affordable, accessible and even delightful.

      Alexa serves as an inaugural member of the Presidential Ambassadors for Global Entrepreneurship (PAGE), and she was selected as a 2011 Young Global Leader by the World Economic Forum, named to the Ernst & Young Entrepreneurial Winning Women Class of 2011, honored as a 2012 Fortune Most Powerful Women Entrepreneur, and named a Scholar at the 2012 Aspen Ideas Festival. She has been included on a variety of lists such as: Vanity Fair’s 2011 Next Establishment; Fortune’s “40 Under 40: Ones to Watch”; Business Insider’s Silicon Alley 100; Inc. Magazine’s 30 Under 30; Businessweek’s “Best Young Tech Entrepreneurs”; and Marie Claire’s“Women on Top.”

      Since launching LearnVest, Alexa has been widely quoted as a personal finance expert and entrepreneur in top tier business and consumer outlets. She is a columnist for Cosmopolitan and Inc. Magazine and hosts a weekly radio show on SiriusXM. She has also been featured in The New York Times, The Wall Street Journal, Businessweek, Fast Company, Inc., Elle, Forbes, InStyle, Mashable, TechCrunch, VentureBeat and many more. In addition, Alexa has appeared on several local and national television shows including The Today Show, Good Morning America, CBS This Morning, Katie, CNN’s Your Money, and The Rachael Ray Show. Alexa has spoken at nationally renowned events and conferences including TEDxWallStreet, SXSW, Inc.’s GrowCo Conference, NY Ideas Festival, Fast Company’s Innovation Uncensored, and Maria Shriver’s Women’s Conference.

      Originally from Florida, Alexa received an A.B. in Psychology at Harvard College. Upon graduation, she worked as a trader at Morgan Stanley on their Proprietary Trading Desk before leaving to serve as Head of Business Development at Drop.io, a venture backed startup in NYC. She enrolled in Harvard Business School in the fall of 2008, but took a formal leave of absence shortly after to launch LearnVest.

       

      Joann EisenhartJoann Eisenhart
      Joann (Jo) Eisenhart is senior vice president for human resources at Northwestern Mutual. In this role, she leads the Human Resources, Facilities and Philanthropy function, which includes the Human Resources, Facility Operations, and Strategic Philanthropy & Community Relations Departments. Prior to joining Northwestern Mutual in 2011, Eisenhart was senior vice president for human resources at Pfizer Inc. From 1985 to 2001, Eisenhart worked at the Rohm & Haas Company where she spent eight years in human resources and organizational effectiveness and eight years as a research scientist in the polymers division. Eisenhart holds a doctorate in human and organizational development from The Fielding Graduate Institute, where her dissertation research focused on the topic of women, leadership and power in large corporations. She also holds a doctorate in inorganic chemistry from the University of Wisconsin Madison, and a bachelor’s degree in chemistry from the University of Illinois Urbana. Eisenhart is on the Board of Advisors for the University of Wisconsin-Madison Department of Chemistry and the Board of Directors for the American Red Cross of Southeastern Wisconsin.

       

      Rebecca L. PorterRebecca L. Porter
      Rebecca Porter is vice president - corporate strategy for Northwestern Mutual. She was promoted to this executive officer position, effective January 2016. In this role, Porter is responsible for overseeing the company's strategic planning and reporting; corporate, consumer, and competitive research and analytics; and corporate project portfolio management. In 2013, Porter joined Northwestern Mutual as the director of planning and resource management for operations and technology where she led a team responsible for coordinating strategy, planning, financial management, workforce management, business continuity planning and strategy communications across the operations and technology function. She first joined Northwestern Mutual, she continued her relationship with the company as an external consultant while also serving as an assistant professor for financial acumen and business planning for the MBA program at Alverno College. In her consulting work, Porter focused on strategy, process design, project assessment and organizational change. Prior to joining Northwestern Mutual in 1998, Porter was an accountant with Arthur Andersen. She received her Bachelor of Science degree in Accounting from Marquette University, Milwaukee, WI and her M.B.A with honors from the University of Chicago, Chicago, IL. She is also a certified public accountant in the state of Wisconsin.
       

      Gregory C. OberlandGregory C. Oberland
      Greg Oberland is president of Northwestern Mutual leading the agencies, sales and marketing function. In this role, Oberland is responsible for the company’s strategy of growing and enhancing its field force and delivering financial security to clients. He is also a member of the Executive Leadership Team, which oversees Northwestern Mutual’s strategy and operations. Oberland joined the company in 1982 as an attorney. In 1987, he moved to the business side and has had increasing executive level responsibility for a variety of product line and operational areas including disability income, life underwriting, policy owner services and information systems. Oberland received a bachelor’s degree with honors in 1979 from the University of Notre Dame and a law degree with honors in 1982 from Georgetown University. He also completed an executive development program at the Kellogg School at Northwestern University in 1997. In the community, Oberland is on the boards of the United Way of Greater Milwaukee and the Milwaukee Repertory Theater. He is married to Rhonda, and they have four adult children.

       

      Timothy G. SchaeferTimothy G. Schaefer
      As executive vice president – operations and technology, Timothy G. Schaefer is responsible for Northwestern Mutual’s integrated customer operations and enterprise technology. He also is a member of the company’s Executive Leadership Team. Schaefer joined the company in June 1988 as a programmer in the Information Systems Department. He held several positions there before joining Policyowner Services in 2002. From 2002 to 2005, Schaefer worked in several leadership capacities before becoming vice president of life benefits. In this position, he was responsible for Northwestern Mutual’s life insurance claim processes, leading several other life insurance benefit areas. In May 2007, Schaefer was named an executive officer, responsible for the development and support of application systems. A year later, he was named chief information officer and department head of the Information Systems Department. In 2013, he became executive vice president of Operations and Technology. Currently, Schaefer is a member of the company’s Enterprise Operations Integration Committee and the Business Technology Committee. A native of Milwaukee, Schaefer graduated from the University of Wisconsin-Milwaukee in 1988 with a B.B.A., and later earned a master’s degree in Management and Organizational Behavior from Silver Lake College, Manitowoc, WI. In 2007, he completed the Leadership at the Peak program at the Center for Creative Leadership in Colorado Springs, CO. In the community, Schaefer is a member of the board of the Next Door Foundation. In the past, he served on the iStrategy Executive Leadership Committee of Children’s Hospital and Health System, and is a past board member of Silver Lake College. Schaefer lives in Whitefish Bay with his wife, Rosalie, and their two children.

       

      Raymond J. ManistaRaymond J. Manista
      As senior vice president–general counsel and secretary, Raymond J. Manista is responsible for the company’s law and public affairs function, including the Law, Communications, Compliance/Best Practices and Government Relations departments. He also chairs the company’s Executive Leadership Team. Manista has held various leadership roles since joining Northwestern Mutual in 1998, including vice president–Corporate Planning, where he oversaw the company’s strategy development and planning, and vice president–Litigation Counsel. Prior to joining the company, he was a shareholder at Godfrey & Kahn, S.C., in Milwaukee, where he practiced commercial litigation.

    • Our Executive Team
    • Our Editorial Staff
    • Our Board of Directors
    • LearnVest Commenting Policy

      The comments section on LearnVest is a safe and friendly place to discuss personal finance topics with other people. To that end, anyone who joins agrees to abide by the commenting rules and respect other members of the community at all times. Users who do not abide by these rules may be banned from commenting on LearnVest or the LearnVest community at large. LearnVest may remove offensive comments that fail to abide by the spirit of our community at any time, upon its sole discretion. If you would like to discuss why we’ve moved or removed your comment, you're welcome to contact feedback at learnvest.com. To report an abusive comment click on the flag link on the top right-hand corner of the comment. If you encounter any questions or problems, contact feedback@learnvest.com. 



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    • The following describes the Terms & Conditions for LearnVest’s premium financial planning service.

      By accessing and using the services provided by LearnVest Inc. (the “Services”) through this website (the “Site”), you agree to each of the terms and conditions set forth herein (“Terms of Use”). These Terms of Use are referred to as this “Agreement.”

      LearnVest Inc. may at any time, and at its sole discretion, modify these Terms and Conditions of Use without giving you prior notice but by posting such changes to the Site. Your use of the Services and the Site following any such modification constitutes your agreement to follow and be bound by the Agreement as modified. The last date these Terms of Use were revised is set forth below.

      1.   USE OF SITE
      You may access and view the Site, and the information, writings, images and/or other works that you see, hear or otherwise experience on the Site (singly or collectively, the “Content”) solely for your personal and non-commercial purposes. No right, title or interest in any Content is transferred to you, whether as a result of downloading such Content or otherwise. LearnVest Inc. together with its affiliates (collectively, ”LearnVest”, “we” or “us”), reserves complete title and full intellectual property rights in all Content. Except as expressly authorized by this Agreement, you may not use, alter, copy, distribute, transmit, or derive another work from any Content obtained from the Site, except as expressly permitted by LearnVest in writing.  If you violate any of these Terms of Use, you have broken this Agreement and are automatically prohibited from use of the Site and the Services. Upon which, you must immediately destroy any downloaded or printed materials.  Use of the Site is limited to residents of the United States only.

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      You may direct LearnVest to retrieve your information (“Account Information”) maintained online by third-party financial institutions, subscription providers, membership clubs and other third parties with which you have a relationship, maintain accounts, or engage in financial transactions.  We facilitate access of the Account Information by entering into agreements with third parties or through your input of information on the Site.  We do not review the Account Information for any purpose, including but not limited to accuracy, legality or non-infringement.  LearnVest is not responsible for the products or services offered by or on third-party sites.
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      3.    REGISTERED USERS ACCOUNT, PASSWORD AND SECURITY
      In consideration of your use of the Services and the Site, you represent and warrant that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the relevant portions of the Site (the "Registration Data") and (b) maintain and promptly update your Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or LearnVest has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, LearnVest has the right to suspend or terminate your access to the Services and/or Site and refuse any and all current or future use of the Services and/or Site, or any portion thereof.
      You are solely responsible for maintaining the strict confidentiality of your User IDs and passwords and for any charges, damages, liabilities or losses incurred or suffered as a result of your failure to do so. We are not liable for any harm caused by or related to the theft of your User IDs/passwords, your disclosure of your User IDs/passwords, or your authorization to allow another person to access and use the Services and/or the Site using your User IDs/passwords. You agree to immediately notify us if you become aware of any unauthorized use of your User IDs/passwords or other need to deactivate a User ID/password due to security concerns.  You agree that you will be responsible for all activities that occur on your account or through the use of your User IDs/passwords by yourself or other persons.

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      5.    PRICE AND AVAILABILITY
      The Services offered or referred to on this Site are subject to availability.  Further, availability for purchase of service types or individual services is subject to change by LearnVest in its sole discretion at any time without notice.  In the event you fail to use the Site or the Services for a period of ninety (90) days, LearnVest reserves the right to suspend updates to your account. In such event your account may be deemed inactive, however, LearnVest may continue to store any information related to your account.  To restore your access to the Site and Services in such event, contact feedback@learnvest.com.  Contemplation of certain services types in these Terms of Use does not mean such services or service types are available for purchase, on the Site or otherwise, at any given time. The prices stated for Services are subject to change without notice.

      6.    CONSENT TO ELECTRONIC COMMUNICATIONS
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      7.  COPYRIGHT
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      8.    TRADEMARKS  
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      9.    LEARNVEST IS NOT A FINANCIAL ADVISER.
      You acknowledge that neither LearnVest nor the Services provided by the Site is intended to provide legal, tax, or financial advice.  LearnVest is not a financial adviser, planner, broker or tax adviser.  The Services are intended only to assist you in your household and financial organization.  Your financial situation is unique and any information or advice obtained through the Services may not be appropriate for your particular situation.  Before making any decisions or implementing any financial strategy, you should consider obtaining information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

      10.    DISCLAIMER OF WARRANTIES
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      11.    LIMITATION OF LIABILITY
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      14.    MESSAGE BOARDS, CHAT BOARDS, BLOGS, VIRTUAL COMMUNITIES and OTHER INTERACTERIVE MEDIA ("INTERACTIVE SERVICES")
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      You hereby grant to LearnVest a non-exclusive, worldwide, royalty-free, irrevocable perpetual license (with right to sublicense) to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any User Content you submit via the Interactive Services by all means and in any media now known or hereafter developed, solely for the purposes for which such User Content was submitted. LearnVest will not use this User Content for any purpose other than the purpose(s) for which it was submitted unless you agree to such use. You retain ownership of User Content you submit and LearnVest does not obtain ownership in or to such User Content (or in the case of third-party owned User Content submitted by you with the owner's permission, the third party retains ownership).

      Copyright in the User Content posted, with the exception of Collaborative Content, shall remain with the User or third party who has posted or consented to posting the User Content on the Site. You have no rights in or to such User Content posted by other Users and you agree you will not copy, reproduce, publish, create derivative works based upon or otherwise retransmit any User Content without the express written permission of the owner of such User Content.

      Collaborative Content posted by Users for the purposes of collaboration may be modified, reproduced, distributed, transmitted or otherwise used by other Users and is not subject to the limitations on User Content listed in the paragraph above. Such Collaborative Content shall be considered in the public domain and freely available to be used, distributed or modified by the other Users of the Site. For the purposes of distinguishing User Content from Collaborative Content, any Collaborative Content shall be clearly marked as such and/or shall be submitted via areas of the Site facilitating User collaboration.

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      You are solely responsible for any and all fees charged to your Payment Method by the issuer, bank, or financial institution including, but not limited to, membership, overdraft, insufficient funds and over the credit limit fees.

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      You hereby authorize LearnVest and/or its authorized agent to transact payments on your behalf for the payment of a premium LearnVest membership of your choosing. In addition, if you authorize us to do so, we will retain your credit card or other payment information, as applicable, in our database to facilitate your checkout process for future premium content transactions. You agree and acknowledge that if you fraudulently report your credit card used to obtain the premium content from the Service as stolen, or you fraudulently report that an authorized charge by LearnVest and/or its authorized agent is unauthorized, LearnVest may, in its sole discretion, pursue any available rights or remedies at law or in equity, including, without limitation, the right to terminate this Agreement and your ability to use the Services.

      19.    PAYMENT METHODS
      LearnVest will accept only the following major credit cards for purchases of the Services: MasterCard, Visa, Discover and American Express. Electronic checks will not be accepted for the purchase of the Services.  LearnVest reserves the right to change the payment methods accepted at any time, at its sole discretion, without prior notice.
      Your payment method will be charged when you submit your order for the Services at checkout. You will be charged for the total cost of the Services, plus all applicable taxes.

      20.    PURCHASES ARE FINAL
      All purchases are considered final.  Refunds will be provided on an exceptions basis only and are typically limited to events of processing errors.  All refunds for such errors will be refunded to the credit card used for the purchase.

      21.    SALES TAX POLICY
      LearnVest will charge all applicable state and local taxes.

      22.    LINKS TO THIRD-PARTY WEB SITES
      Links on the Site to third party web sites or information are provided solely as a convenience to you. If you use these links, you will leave the Site. Such links do not constitute or imply an endorsement, sponsorship, or recommendation of the third party, the third-party web site, or the information contained therein. LearnVest is not responsible for the availability of any such web sites nor will LearnVest be responsible or liable for any such web site or the content thereon.

      23.    DOWNLOADING FILES
      LearnVest cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection by software viruses or other harmful or malicious computer code, files or programs.  The downloading of such files or information is at your own risk.

      24.    GENERAL PROVISIONS
      These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof. No waiver by us of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

      If any part of this Agreement is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of this Agreement, all of which will remain in full force and effect. Any and all disputes relating to this Agreement, your use of the Site or the Content are governed by, and will be interpreted in accordance with, the laws of the State of New York, without regard to any conflict of laws provisions.
      If you believe you own the copyright to any information or material posted on the Site, please notify us immediately at legal@learnvest.com.

    • LearnVest's Security & Legal

      LearnVest Terms of Use Agreement

      Welcome to LearnVest.com. LearnVest Inc. (“Parent”), a Delaware corporation and LearnVest Planning Services LLC. (“LVPS” or “Adviser”), a wholly owned subsidiary of the Parent and a registered investment adviser (both collectively “LearnVest”). LVPS has a separate terms and conditions of this agreement and if there is any conflict between the two agreements, the LVPS Terms and conditions shall supersede the terms of this agreement. By using the LearnVest.com Web site (the “Web Site” or “LearnVest”), you agree to be bound by these Terms of Use (this “Agreement”), whether or not you register as a member on the Web Site (“Member”). If you wish to become a Member or make use of the Web Site’s services (the “Service”), please read these Terms of Use. If you object to anything in this Agreement or Privacy Policy of the Parent or LVPS, do not use the Web Site or the Service. The Terms of Use are subject to change by LearnVest at any time, effective upon posting on the Web Site, and your use of the Service after such posting will constitute acceptance by you of such changes.

      1. Acceptance of Terms of Use Agreement.

      a. Electronic Agreement.  This Agreement is an electronic contract that sets out the legally binding terms of your use of the Web Site and your membership in the Service. This Agreement may be modified by LearnVest from time to time, such modifications to be effective upon posting by LearnVest on the Web Site. This Agreement includes LearnVest’s Privacy Policy and any notices or all other policies regarding the Web Site whether posted on the Web Site or emailed to you. By accessing the Web Site or becoming a Member, you accept this Agreement and agree to the terms, conditions and notices contained or referenced herein.

      b. Electronic Form.  By accessing the Web Site or becoming a Member, you consent to have this Agreement provided to you in electronic form.

      c. Access and Retention.  

      In order to access and retain this electronic Agreement, you must have access to the World Wide Web, either directly or through devices that access web-based content, and pay any service fees associated with such access. In addition, you must use all equipment necessary to make such connection to the World Wide Web, including a computer and modem or other access device. Please print a copy of this document for your records. To retain an electronic copy of this Agreement, you may save it into any word processing program. Via the Web Site, we will notify you of any changes in the hardware or software requirements needed to access and/or retain this Agreement that create a material risk that you will not be able to continue to access and/or retain this electronic Agreement.

      2. Eligibility.  

      You must be at least thirteen (13) years of age to register as a Member of or otherwise use the Web Site. Membership in the Service is void where prohibited. By using the Web Site, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement.

      3. Membership and Pricing.

      Membership with LearnVest, Inc. is free, but there are fees for services provided by LearnVest Planning Services, LLC.

      4. Term.

      This Agreement contains the entire agreement between you and LearnVest, Inc. regarding the use of the Web Site and/or the Service. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect.

      5. Non-commercial Use by Members.

      The Web Site is for the personal use of individual Members only and may not be used in connection with any commercial endeavors, unless approved in advance in writing by an authorized representative of LearnVest. Organizations, companies, and/or businesses may not become Members and should not use the Service or the Web Site for any purpose. Illegal and/or unauthorized uses of the Web Site, including collecting usernames and/or email addresses of Members by electronic or other means for the purpose of sending unsolicited email and unauthorized framing of the Web Site may be investigated, and appropriate legal action will be taken, including without limitation, civil, criminal, and injunctive redress. Use of the Web Site is with the permission of LearnVest, which may be revoked at any time, for any reason, in LearnVest’s sole discretion.

      6. Account Security.

      You are responsible for maintaining the confidentiality of the username and password that you designate during the Registration process, and you are fully responsible for all activities that occur under your username and password. You agree to (a) immediately notify LearnVest of any unauthorized use of your username or password or any other breach of security, and (b) ensure that you exit from your account at the end of each session. LearnVest will not be liable for any loss or damage arising from your failure to comply with this provision. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. If you share your computer with others, you may wish to consider disabling your auto-sign in feature if you have linked your Microsoft .Net Passport or AOL Screen Name to your LearnVest account.

      7. Your Interactions with Other Members.

      You are solely responsible for your interactions with other Members. You understand that LearnVest does not in any way screen its Members, nor does LearnVest inquire into the backgrounds of its Members or attempt to verify the statements of its Members. LearnVest makes no representations or warranties as to the conduct of Members or their compatibility with any current or future Members. In no event shall LearnVest be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the use of the Service, including without limitation, bodily injury, emotional distress, and/or any other damages resulting from communications or meetings with other registered users of this Service or persons you meet through this Service.

      8. Free Content on LearnVest.com.

      (a) Proprietary Rights.LearnVest owns and retains all proprietary rights in and to the Web Site and the Service, and has a license to use all material posted by you and the other Members as discussed below. The Web Site contains the copyrighted material, trademarks, and other proprietary information of LearnVest, and its licensors. Except for that information which is in the public domain, is considered fair use, or for which you have been given written permission, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information.

      (b) Reliance on Content, Advice, Etc.Opinions, advice, statements, offers, or other information or content made available through the Service, but not directly by LearnVest, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. LearnVest, Inc. does not: (i) guarantee the accuracy, completeness, or usefulness of any information on the Service, or (ii) adopt, endorse or accept responsibility for the accuracy or reliability of any opinion, advice, or statement made by any third party that appears on the Web Site. Under no circumstances will LearnVest, Inc. or its affiliates be responsible for any loss or damage resulting from your reliance on information or other content posted on the Web Site or transmitted to or by any Members.

      9. Prohibited Activities.

      LearnVest reserves the right to investigate and terminate your membership if you have misused the Service, or behaved in a way which could be regarded as inappropriate or whose conduct is unlawful or illegal. The following is a partial list of the type of actions that you may not engage in with respect to the Service: (i) You will not “stalk” or otherwise harass any person. (ii) You will not express or imply that any statements you make are endorsed by LearnVest without our specific prior written consent. (iii) You will not use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the Service or its contents. (iv) You will not post, distribute or reproduce in any way any copyrighted material, trademarks, or other proprietary information unless under fair use or without obtaining the prior consent of the owner of such proprietary rights. You will not remove any copyright, trademark or other proprietary rights notices contained in the Service. (v) You will not interfere with or disrupt the Services or the site or the servers or networks connected to the Services or the site. (vi) You will not post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment. (vii) You will not forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the Service. (viii) You will not “frame” or “mirror” any part of the Service or the Web Site, without LearnVest’s prior written authorization. You also shall not use meta tags or code or other devices containing any reference to LearnVest or the Service or the site in order to direct any person to any other web site for any purpose. (ix) You will not modify, adapt, sublicense, translate, sell, reverse engineer, decipher, decompile or otherwise disassemble any portion of the Service or the Web Site or any software used on or for the Service or cause others to do so.

      10. Modifications to Service.

      LearnVest reserves the right at any time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that LearnVest shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

      11. Blocking of IP Addresses.

      In order to protect the integrity of the Service, LearnVest reserves the right at any time in its sole discretion to block Members from certain IP addresses from accessing the Web Site.

      12. Copyright Policy.

      You may not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information unless under fair use or without obtaining the prior written consent of the owner of such proprietary rights. Without limiting the foregoing, if you believe that your work has been copied and posted on the Service in a way that constitutes copyright infringement, please provide our Copyright Agent, pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512(c)), with the following information: an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located on the Web Site; your address, telephone number, and email address; a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. LearnVest’s Copyright Agent for notice of claims of copyright infringement can be reached as follows: LearnVest, Legal Dept., 41 East 11th Street, 2nd Floor, New York, NY 10003, 212-675-6711 (Phone), 917-720-9067 (Fax), or legal@learnvest.com. legal@learnvest.com

      Please note that attachments cannot be accepted at the email address for security reasons. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed.

      13. Member Disputes.

      You are solely responsible for your interactions with other Members. LearnVest reserves the right, but has no obligation, to monitor disputes between you and other Members.

      14. Privacy.

      Use of the Web Site and/or the Service is also governed by our Privacy Policy.

      15. Disclaimers.

      LearnVest is not responsible for any incorrect or inaccurate Content posted on the Web Site or in connection with the Service whether caused by users of the Web Site, Members or by any of the equipment or programming associated with or utilized in the Service. LearnVest is not responsible for the conduct, whether online or offline, of any user of the Web Site or Member of the Service. LearnVest assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, user or Member communications. LearnVest is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any Web Site or combination thereof, including injury or damage to users and/or Members or to any other person’s computer related to or resulting from participating or downloading materials in connection with the Web and/or in connection with the Service. Under no circumstances will LearnVest or any of its affiliates, advertisers, promoters or distribution partners be responsible for any loss or damage, including personal injury or death, resulting from anyone’s use of the Web Site or the Service, any Content posted on the Web Site or transmitted to Members, or any interactions between users of the Web Site, whether online or offline. The Web Site and the Service are provided “AS-IS” and LearnVest expressly disclaims any warranty of fitness for a particular purpose or non-infringement. LearnVest cannot guarantee and does not promise any specific results from use of the Web Site and/or the Service. In addition to the preceding paragraph and other provisions of this Agreement, any advice that may be posted on the Web Site is for informational and entertainment purposes only and is not intended to replace or substitute for any professional financial, medical, legal, or other advice. LearnVest makes no representations or warranties and expressly disclaims any and all liability concerning any treatment, action by, or effect on any person following the information offered or provided within or through the Web Site. If you have specific concerns or a situation arises in which you require professional or medical advice, you should consult with an appropriately trained and qualified specialist.

      16. Links.

      The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because LearnVest has no control over such sites and resources, you acknowledge and agree that LearnVest is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that LearnVest shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of, or reliance upon, any such Content, goods or services available on or through any such site or resource.

      17. Third-Party Advertisers.

      LearnVest may run advertisements and promotions from third parties on the Site. Your business dealings or correspondence with, or participation in promotions of, advertisers other than LearnVest, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. LearnVest is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of third-party advertisers on the Site.

      19. Limitation on Liability.

      Except in jurisdictions where such provisions are restricted, in no event will LearnVest.com be liable to you or any third person for any indirect, consequential, exemplary, incidental, special or punitive damages, including also lost profits arising from your use of the Web site or the Service, even if LearnVest.com has been advised of the possibility of such damages. Notwithstanding anything to the contrary contained herein, LearnVest’s liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to LearnVest for the Service during the term of membership.

      20. Jurisdiction and Choice of Law.

      If there is any dispute arising out of the Web Site and/or the Service, by using the Web Site, you expressly agree that any such dispute shall be governed by the laws of the State of New York, without regard to its conflict of law provisions, and you expressly agree and consent to the exclusive jurisdiction and venue of the state and federal courts of the State of New York, in New York County, for the resolution of any such dispute.

      21. Indemnity by You.

      You agree to indemnify and hold LearnVest, its subsidiaries, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney’s fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement and/or arising from a breach of this Agreement and/or any breach of your representations and warranties set forth above.

      22. No Third Party Beneficiaries.

      You agree that, except as otherwise expressly provided in this Agreement, there shall be no third party beneficiaries to this Agreement.

      23. Other.

      LearnVest is trademark of LearnVest. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, and supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by LearnVest. Please contact us with any questions regarding this agreement.

      How to contact us

      If you have any questions about this Agreement or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:
      legal@learnvest.com
      LearnVest
      41 East 11th Street, 2nd Floor, New York, NY 10003

    • Contest Rules

      To provide fair and equal chance of winning to all LearnVest readers, the following are the official rules for all contests on LearnVest.NO PURCHASE NECESSARY. PURCHASE WILL NOT IMPROVE CHANCES OF WINNING.Contest open to U.S. citizens only. All winners must be 18 years of age or older, unless otherwise stated and/or posted.

      1. Entering Contests and Choosing and Contacting Winners

      Winners of contests will be chosen from eligible comments, Tweets, and Facebook and Instagram posts based on the parameters of the contest.

      Entrants must send entries using the correct contest entry information requested in the contest announcement. LearnVest is not responsible for and will not consider incomplete or incorrect entries sent but not received by LearnVest for any reason, as potential contest winners.

      LearnVest will contact winners of all contests at the “sender” email address used to enter the contest or via private message to the contest winners’ Facebook, Twitter or Instagram accounts. In order to receive these messages, entrants must be following LearnVest on Twitter, or have privacy settings on Facebook set to allow messages from non-friends. The person receiving and replying to the winner announcement message will be considered the winner unless they specify another person within the reply as the winner. When applicable, LearnVest will mail the contest prize to the address supplied by the recipient of the winner announcement.

      Only one entry per email address, Facebook account, Instagram account or Twitter account will be considered for contest entry, unless multiple entries are specifically allowed in the contest posting. Unless otherwise specified in an individual contest post, no person may enter any contest more than once using multiple accounts.
      Claiming of prizes requires a response to LearnVest from the winning sender within 15 days of being notified of winning from the account used to enter. Failure to respond shall mean that the winner forfeits the prize. LearnVest is not required to award elsewhere any prizes forfeited by the chosen winner(s).

      2. Submission of photo, text or other content for Contests

      Entries selected for display and to win “best of” contests and any other contests requiring photo, text or other content from the entrants will be judged entirely at the discretion of LearnVest.

      By submitting any photo or information to LearnVest, you hereby grant to LearnVest and its affiliates, subsidiaries, licensees and assigns, an irrevocable, perpetual and royalty-free right to use, reproduce, edit, display, transmit, prepare derivative works of, modify, publish and otherwise make use of the submitted photo or other information in any and all media, whether now known or hereinafter created, throughout the world and for any purpose. In addition to other things, the rights granted to LearnVest includes but is not limited to the right to resize, crop, censor, compress, edit, feature, caption, affix logos to, and to otherwise alter or make use of the submitted photo;
      By submitting any photo or information to LearnVest, you hereby represent and warrant that the submitted photo or information does not and shall not infringe on any copyright, any rights of privacy or publicity of any person, or any other right of any third party, and you have the right to grant any and all rights and licenses granted to LearnVest herein, including but not limited to all necessary rights under copyright, free and clear of any claims or encumbrances;
      You acknowledge and agree that LearnVest shall have no obligation to post, display or otherwise make publicly available any photo or information submitted by you, and may, in its sole and unfettered discretion, remove, edit, modify or delete any photo or information that you submit to LearnVest;
      You understand and intend that any photo or information submitted by you to LearnVest may be available for viewing, rating, review and comment on by the public, and understand that comments or ratings with which you disagree or are unhappy about may be published or otherwise become associated with any photo or information you submit to LearnVest. By submitting any photo or information to LearnVest, you hereby waive any privacy expectations that you may have with respect to any such photo or information submitted by you to LearnVest.
      You hereby agree to hold LearnVest and its affiliates, subsidiaries, licensees sponsors and assigns harmless from and against, and hereby waive any right to pursue, any claims of any nature arising in connection with the inclusion in, publication via or display on any LearnVest site, or any other use authorized under these Terms, of any photo or information submitted to LearnVest by you;
      Photos or information submitted by you to the Site shall be the property of LearnVest, and LearnVest shall have no obligation to preserve, return or otherwise make available to you or others any photos or information so submitted.

      3. Awarding Prizes

      For cash prizes, all taxes are responsibility of the Grand Prize Winner, who will receive a form 1099 reflecting the actual retail value of the Grand Prize. All cash winners are required to verify proper and legal picture identification and Social Security number within 30 days of notification of winning the cash prize. Winner may forfeit any and all cash winnings if verification cannot or has not been made within 30 days. Upon proper verification, cash winnings will be awarded by check and mailed to winner's mailing address within seven (7) business days.Each prizewinner must supply LearnVest with his/her legal name, mailing address, birth date, daytime and nighttime telephone numbers. In the case of a cash winner, winner must also supply Social Security number.
      Winners may not request substitutions of prize winnings. All winners are solely responsible for any and all taxes and/or fees, and all such additional costs that may be incurred.

      Neither LearnVest, LearnVest sponsors, nor employees of LearnVest or sponsors may be held liable for any warranty, costs, damage, injury or any other claims incurred as a result of usage of any winners of a prize once winner has taken possession of the product. LearnVest is not liable for any loss arising out of or in connection with or resulting from any contest promoted by LearnVest.

      If the specified prize becomes unavailable due to unforeseen circumstances, LearnVest may substitute a prize of like or equal value.

      Management, employees and families of LearnVest are prohibited from winning any prizes awarded by LearnVest.

      LearnVest reserves the right to alter any rules of any contest at anytime. If you have any questions or complaints about a LearnVest contest, please contact feedback@learnvest.com.


    • Your Privacy Rights

      LearnVest respects the privacy of our users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. This Privacy Policy applies to LearnVest.com owned and operated by LearnVest (collectively, “We”, “Us” or “Our”). This Privacy Policy is intended to describe for you, as an individual who is a user of LearnVest.com or our services, the information we collect, how that information may be used, with whom it may be shared, and your choices about such uses and disclosures. We encourage you to read this Privacy Policy carefully when using our website or services or transacting business with us. By using our website, you are accepting the practices described in this Privacy Policy. If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

      Information we collect about you

      In General

      We may collect personal information that can identify you, such as your name and e-mail address, and other information that does not identify you. When you provide personal information through our website, the information may be sent to servers located in the United States and other countries around the world.

      • Information you provide. We may collect and store any personal information you enter on our website or provide to us in some other manner. This includes identifying information, such as your name, address, e-mail address, and telephone number, and, if you transact business with us, financial information such as your payment method (valid credit card number, type, expiration date, or other financial information). We also may request information about your interests and activities, your gender and age, your financial life and other demographic information, as well as public information such as user ratings, reviews and comments, and other information you view or contribute to the website.
      • If you choose to use LearnVest’s My Money Center (on the web or via the App), we will request usernames and passwords in order to access information as it relates to your bank account, credit cards, investment account, or loans. LearnVest does not store your usernames or passwords for financial institutions on its servers.
      • Information from other sources. We may also periodically obtain both personal and non-personal information about you from other business partners, contractors, and other third parties, such as the U.S. Postal Service, to verify your address so we can properly ship your order and prevent fraud. Examples of information that we may receive include: updated delivery and address information, purchase history, and additional demographic information.
      • When you download and use our App, we automatically collect information on the type of device you use, operating system version, and the device identifier (or “UDID”). We collect your location-based information for the purpose of locating a place that you may be searching for in your area. We will only share this information with our mapping provider for the sole purpose of providing you the service. If you want to stop the automatic collection of your location information, you may do so by accessing the privacy settings in the app and/or on your device and/or by uninstalling the app. We do not send push notifications to your device.

      Use of cookies and other technologies to collect information

      We use various technologies to collect information from your computer and about your activities on our site.

      • Log Files. As is true of most websites, we gather certain information automatically and store it in log files. This information may include Internet Protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do not link this automatically collected data to other information we collect about you.
      • Technologies such as cookies, beacons, tags, and scripts are used by LearnVest and our third party marketing partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
      • We use cookies to remember users’ settings (e.g. language preference) and for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
      • We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our website or to display advertising based upon your web browsing activity also use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.
      • We partner with a third party ad network to either display advertising on our website or to manage our advertising on other sites. Our ad network partner uses cookies and web beacons to collect non-personal information about your activities on this and other websites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.
      • Some of our pages utilize framing techniques to serve content from our partners while preserving the look and feel of our site. Please be aware that you are providing your personal information to these third parties and not to LearnVest.
      • Mobile Analytics. We use mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone, tablet, or other device. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and from where the application was downloaded. We do not link the information we store within the analytics software to any personal information you submit within the mobile application.

      How we use the information we collect

      In General

      We may use information that we collect about you to:

      • Deliver the products and services that you have requested;
      • Manage your account and provide you with customer support;
      • Perform research and analysis about your use of, or interest in, our products, services, or content, or products, services, or content offered by others;
      • Aggregate data such as the anonymous personal financial data you may enter into our tools. This aggregate information does not identify particular users or otherwise allow anyone to recover sensitive information about individual users. Aggregate information belongs to LearnVest, and is not subject to this Privacy Policy;
      • Communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or third parties;
      • Develop and display content and advertising tailored to your interests on our site and other sites;
      • Verify your eligibility and deliver prizes in connection with contests and sweepstakes;
      • Enforce our terms and conditions;
      • Manage our business; and
      • Perform functions as otherwise described to you at the time of collection.

      How we protect your personal information

      We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees are permitted to access personal information, and they may do so only for permitted business functions. In addition, we use encryption in the transmission of your sensitive personal information (such as credit card number and/or geo-location data) between your system and ours, we encrypt the transmission of that information using Secure Socket Layer (SSL) technology, and we also use anti-virus software and firewalls to help prevent unauthorized persons from gaining access to your personal information. We want you to feel confident using our website to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches, or other communications will always remain secure. Users should also take care with how they handle and disclose their personal information and should avoid sending personal information through insecure e-mail, such as bank account numbers, social security numbers, etc. Notably, LearnVest does not require, request or otherwise collect users’ social security number under any circumstances and we encourage you not to voluntarily share your social security number to LearnVest whether by e-mail, on the website or on any other media. If you have any questions about security on our website, you can contact us at feedback@learnvest.com.

      We may share personal information

      We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our website or while using our services.

      We will share your personal information with third parties only in the ways that are described in this Privacy Policy. We do not sell your personal information to third parties.

      We may share personal information with:

      • Authorized service providers: We may share your personal information with our authorized service providers that perform certain services on our behalf. These services may include processing credit card payments, providing customer service and marketing assistance, performing business and sales analysis, supporting our website functionality, and supporting contests, sweepstakes, surveys and other features offered through our website. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes.
      • Other Situations. We also may disclose your information:
        • ­For our premium members, we may share information with affiliated financial companies with whom we may market products jointly. If you do not want us to share your personal information with these companies, contact us at privacy@learnvest.com.
        • ­In response to a subpoena, bankruptcy proceedings or similar investigative demand, a court order, or a request for cooperation from law enforcement or other government or regulatory agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
        • ­When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies.
      • If LearnVest is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via e-mail and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
      • To any other third party with your prior consent to do so.

      Third Parties

      Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they use and disclose personal information. Those policies will govern use, handling, and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States.

      Third-Party websites

      There are a number of places on our website where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on our website, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy policies of all third-party websites you visit by clicking on the “privacy” link typically located at the bottom of the webpage you are visiting.

      No Rights of Third Parties

      This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website.

      How you can access your information

      If you have an online account with us, you have the ability to review and update or delete your personal information online by logging into your account using the Login link at the upper right side of the page. You can also review and update your personal information by contacting us at feedback@learnvest.com or by contacting us by U.S. mail at the contact information listed below. You may also choose to close your account by e-mailing us at feedback@learnvest.com. We will respond to your request to access within 30 days.

      After you close your account, you will not be able to sign in to our website or access any of your personal information. However, you can open a new account at any time. If you close your account, we may still retain certain information associated with your account (including geo-location data) for analytical purposes and recordkeeping integrity, as well as to prevent fraud, enforce our terms and conditions, take actions we deem necessary to protect the integrity of our website or our users, or take other actions otherwise permitted by law. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at feedback@learnvest.com. In addition, if certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties’ policies.

      Your choices about collection and use of your information

      • You can choose not to provide us with certain information, but that may result in your being unable to use certain features of our website because such information may be required in order for you to register as a member; participate in a contest, promotion, survey, or sweepstakes; ask a question; rate, review or comment on articles and merchants; or initiate other transactions on our website.
      • You will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 10 business days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as service announcements, administrative notices, and surveys, without offering you the opportunity to opt out of receiving them. Please note that changing information in your account, or otherwise opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party (such as an event provider) before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party.

      Choice/Opt-Out

      You may choose to stop receiving our newsletter or marketing e-mails by following the unsubscribe instructions included in these e-mails or you can contact us at privacy@learnvest.com.

      Job applicants

      If your personal information is submitted through our website when applying for a position with our company, the information will be used solely in connection with considering and acting upon your application. We may retain your personal information for a period of time, but only for the purpose of considering your application for current or future available positions. This information may be shared with third-party service providers retained by us to collect, maintain, and analyze candidate submissions for job postings.
      Please refer to “Your choices about collection and use of your information.”

      Blogs, bulletin boards, reviews, and chat rooms

      We may provide areas on our websites where you can post information about yourself and others; communicate with others; post reviews of products, establishments, and the like; and upload content (e.g. pictures, videos, audio files, etc.). Our blog is hosted and managed by a third party application called Disqus, which may require you to register to post a comment. In addition, such postings may appear on other websites or when searches are executed on the subject of your posting. Also, whenever you voluntarily disclose personal information on publicly viewable webpages, that information will be publicly available and can be collected and used by others. For example, if you post your e-mail address, you may receive unsolicited messages. We cannot control who reads your posting or what other users may do with the information you voluntarily post, so we encourage you to exercise discretion and caution with respect to your personal information. We do not have access or control of the information posted to the blog. You will need to contact or login into the third-party application if you want the personal information that was posted to the comments section removed. To learn how the third-party application uses your information, please review their privacy policy.

      Children's Online Privacy Protection Act (COPPA)

      We are committed to protecting the privacy of children. Visitors under 13 years of age are not permitted to use and/or submit their personal information at any Site. We do not knowingly solicit or collect information from visitors under 13 years of age. If we obtain actual knowledge that we have collected personal information about an individual under 13 years of age, that information will be immediately deleted from our website. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

      Social Media Widgets

      Our website includes Social Media Features and Widgets, such as the Share button or interactive mini-programs that run on our website. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy policy of the company providing it.

      Visiting our websites from outside the United States

      This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

      Changes to this Privacy Policy

      We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the “last updated” date at the bottom of this document. If we make any material changes in the way we collect, use, and/or share your personal information, we will notify you by sending an e-mail to the e-mail address you most recently provided us in your account, profile, or registration (unless we do not have such an e-mail address), and/or by prominently posting notice of the changes on our website prior to the change becoming effective. We recommend that you check our website from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

      How to contact us

      If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:

      Privacy Department
      legal@learnvest.com
      LearnVest, Inc.
      41 East 11th Street, 2nd Floor
      New York, NY 10003

      Linked Financial Information

      Cookies

      A cookie is a small text file that is stored on a user’s computer for record keeping purposes. Cookies can be either session cookies or persistent cookies. A session cookie expires when you close your browser and is used to make it easier for you to navigate our website. A persistent cookie remains on your hard drive for an extended period of time. For example, when you sign in to our website, we will record your user or member ID and the name on your user or member profile in the cookie file on your computer. We also may record your password in this cookie file, if you indicated that you would like your password saved for automatic sign-in. For security purposes, we will encrypt any usernames, passwords, and other user or member account-related data that we store in such cookies. In the case of sites and services that do not use a user or member ID, the cookie will contain a unique identifier. We may allow our authorized service providers to serve cookies from our website to allow them to assist us in various activities, such as doing analysis and research on the effectiveness of our website, content and advertising. You may delete or decline cookies by changing your browser settings. (Click “Help” in the toolbar of most browsers for instructions.) If you do so, some of the features and services of our website may not function properly. We may allow third parties, including advertising companies, and ad networks, to display advertisements on our website. These companies may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements. Our website does not provide any personal information to these third parties, but they may collect information about where you, or others who are using your computer, saw and/or clicked on the advertisements they deliver, and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect from you. The collection and use of that information is subject to the third-party’s privacy policy. This information allows them to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies (www.networkadvertising.org).

      Web Beacons

      Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. Unlike cookies, which are stored on the user’s computer hard drive, web beacons are embedded invisibly on the web pages (or in e-mail) and are about the size of the period at the end of this sentence. Web beacons may be used to deliver or communicate with cookies, to count users who have visited certain pages and to understand usage patterns. We also may receive an anonymous identification number if you come to our website from an online advertisement displayed on a third-party website.

      Third party collection and use of your data

      When you use or connect to a LearnVest website or download a LearnVest App by or through a Third Party Platform, such as Facebook or other social networking website, you allow us to access and/or collect certain information from your Third Party Platform profile/account (such as your Facebook account) or via any cookies placed on your device by such Third Party Platform as permitted by the terms of the agreement and your privacy settings with the Third Party Platform. We will share such information with the Third Party Platform for their use as permitted by the terms of the agreement and your privacy setting with the Third Party Platform.

      We will share some of the information we collect from you upon install of the App with vendors and other service providers who are engaged by or working with us in connection with the operation of the services we provide to you and/or for analytics purposes, which may require the reproduction and display of such information in an aggregated and anonymized manner such that will not identify you in any way.

      You may “opt out” of the collection of your information for third party analytics purposes by following the directions provided by our third party analytics vendor located at www.mobileapptracking.com/privacy-policy. If you “opt out” with our third party analytics provider, that action is specific to the information we collect specifically for that provider and does not limit our ability to collect information from you, under the terms of this privacy policy, for other vendors.

      Last Updated: August 23, 2016

    • Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

      The types of personal information we collect and share depend on the product or service you have with us. This information can include:

      • Identifying information such as name, email address, gender, and birthdate
      • Account balances
      • Account transactions
      • Transaction history
      • Income and Assets

      All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LVPS chooses to share; and whether you can limit this sharing.

      Reasons we can share your personal information Does LVPS share? Can you limit this sharing?
      For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
      For our marketing purposes—to offer our products and services to you Yes No
      For joint marketing with other financial companies Yes Yes
      For joint marketing with other non-financial companies Yes Yes
      For our affiliates’ everyday business purposes—information about your transactions and experiences Yes No
      For our affiliates’ everyday business purposes—information about your creditworthiness No We don't share
      For our affiliates to market to you Yes Yes
      For nonaffiliates to market to you Yes Yes

       

      To limit our sharing

      Email us at feedback@learnvest.comPlease note:If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

      However, you can contact us at any time to limit our sharing.

       

      What we do
      How does LVPS protect my personal information? We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees are permitted to access personal information, and they may do so only for permitted business functions. In addition, we use encryption in the transmission of your sensitive personal information between your system and ours, and we use anti-virus software and firewalls to help prevent unauthorized persons from gaining access to your personal information.
      How does LVPS collect my personal information? We collect your personal information, for example, when you

      • open an account
      • provide account information
      • give us your contact information
      • use our online financial organization tool (My Money Center)
      Why can’t I limit all sharing? Federal law gives you the right to limit only

      • sharing for affiliates’ everyday business purposes—information about your creditworthiness
      • affiliates from using your information to market to you
      • sharing for nonaffiliates to market to you

      State laws and individual companies may give you additional rights to limit sharing.

      Definitions
      Affiliates Companies related by common ownership or control. They can be financial and non-financial companies and include:

      • LearnVest, Inc.; and
      • The Northwestern Mutual Life Insurance Company and its subsidiaries, including Northwestern Mutual Investment Services, LLC, Northwestern Mutual Wealth Management Company and Northwestern Long Term Care Insurance Company.
      Nonaffiliates Companies not related by common ownership or control. They can be financial companies, such as insurance companies and their sales professionals, and non-financial companies.

      • LVPS shares with nonaffiliates with your consent or at your direction.
      Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

      • LVPS may jointly market financial products or services to you.
      Other important information
      This notice applies to individual consumers who are customers or former customers. This notice replaces all previous notices of our consumer privacy policy, and may be amended at any time. We will keep you informed of changes or amendments as required by law.
    • LV + Heartbleed

      By now you have probably heard or read about the CVE-2014-0160 vulnerability, poetically dubbed the Heartbleed bug. This programming flaw, in the widely used OpenSSL security library, has impacted a wide swath of internet traffic.

      We wanted to take a moment to talk to you about how this affected LearnVest. Immediately on being made aware of this vulnerability, our security team launched a thorough investigation of our systems and servers. We are happy to confirm that none of LearnVest’s servers were affected by this vulnerability and there is no evidence of a breach of any kind. In addition we have reached out to all of our service vendors and verified that none of these services were affected either. We care very deeply about the security and privacy of your data, and are constantly monitoring our server operations to ensure we continue to stay safe and insulated from this and other vulnerabilities.

      While your LearnVest account is safe, secure and unaffected by Heartbleed, we highly recommend you change your passwords on other sites that may be affected. Here is a link to some information about what sites are known to be affected by this bug: http://mashable.com/2014/04/09/heartbleed-bug-websites-affected/. If you use your LearnVest password to log in to any of these affected sites, please change your LearnVest password immediately.

      As always, we are here to answer your questions or address any of your concerns. Your security is our priority.

      Yours safely,

      Hrishi Dixit
      CTO, LearnVest Inc

    • Commenting Policy
    • Terms & Conditions
    • Contest Rules
    • Privacy Policy
    • LearnVest Planning Privacy Policy
    • LearnVest unaffected by Heartbleed
    • Press Releases
    • Ambassador Program

      The LearnVest Ambassador Program provides college women with an exciting opportunity to work closely with the LearnVest team, acquire invaluable personal financial knowledge and career skills, and educate and empower their peers. Ambassadors act as the face of LearnVest and spread awareness about the LearnVest brand across college campuses, reaching a demographic that is expected to be increasingly financially independent, yet lacks critical personal finance education. Our Ambassadors provide valuable feedback about LearnVest’s newest products and features, and work collaboratively with fellow Ambassadors and with the LearnVest team to plan events and outreach programs on their campuses. Ambassadors are selected for their demonstration of leadership, campus involvement, academic achievement, and passion for financial literacy.

      For more information about the LearnVest College Ambassador Program, contact Annie Shapiro, at Ambassadors@learnvest.com

      You can also download the LearnVest Ambassador Application here.

    • Ambassador Program
    • How Does Your
      Budget Break Down?

      Your Monthly Income:
      Your Essential Expenses:
      Rent/Mortgage
      Groceries
      transportation
      Utilities
      Your Financial Priorities:
      Credit Card Debt Repayment
      Other Debt Repayment
      Retirement Savings
      401(k) Contribution
      Other retirement contributions (IRA)
      Emergency Fund Savings
      Your Lifestyle Choices
      Child Care
      Cell Phone
      Cable Internet
      Entertainment
      Personal Care
      Restaurants
      Shopping
      Other

      LV Recommended Breakdown:

      Your Breakdown:

      Your expenses exceed your income.
      Please adjust your budget.

      This tool is for illustrative and educational purposes only. You should speak to a financial professional before making any big decisions.

    • Enter your after tax annual salary*:

      How much extra income do you have after expenses?

      It's tight
      A lot! I'm good!

      How much free time do you have?

      A Lot
      Barely Any

      Is your priority cutting costs or saving time?

      Save Time
      Cut Costs

      * For a rough estimate, multiply your gross annual salary by 0.75.

      Tackle your finances with LearnVest.com

    • This Or That

      Ex: morning coffee, night out
      Whip your finances into shape with LearnVest's Bootcamps
      You Spend

      on per year

      For that amount you could...
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    • How Will My Money Grow Over Time?

      What's your goal?

      How much do you already have set aside for ?

      What's your marginal tax bracket?

      How much can you save each year for your goal?

      Will you be able to increase your contribution over the years? If so, by what percent each year?

      How many years until your goal?

      What interest rate will this earn?

      Typical return on a savings account: 1.5%
      Inflation 3%
      Historic investment return: 8%

      Growth Over Time

      Years
      Amount Accrued in 0 Years
      $0.00
      Remember: Because of inflation, the buying power of this amount decreases over time. Historically, inflation has increased at an average of 3% each year. If your rate of return is less than the rate of inflation, you are losing money.
      Tackle your finances with LearnVest's Bootcamps.
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    • To Pay Down Debt Or Invest?

      What kind of debt do you want to run the numbers on?

      Is the interest on this debt tax deductible?

      What is the interest rate on your debt?

      What are you considering investing for?

      Is the return for this investment goal taxable?

      What's your anticipated rate of return?

      Typical interest on a savings account: 1.5%
      Inflation: 3%
      Historic investment return: 8%

      What's your marginal tax bracket?

      Not sure? Play it safe with 25%

      Diagnosis

      8%
      Your after-tax
      cost of debt
      9%
      Your after-tax return
      on investments
      In this scenario, there is no significant difference between accelerating your debt repayment and investing. You should choose which feels right for you.

      Things To Keep In Mind

      • Do you have a big purchase coming up for which it would be better to improve your credit score by lowering your debt?
      • What will give you greater peace of mind?
      • There is no guarantee when it comes to investing. Markets can be volatile, whereas the interest on debt is known.
      • Check to make sure your emergency savings fund is intact before using extra funds to accelerate debt payment or invest.
      [an error occurred while processing the directive]
      In this scenario, the after-tax cost of your debt is greater than the after-tax return on your investments. You should consider using extra funds to accelerate your debt repayment before you invest.

      Things To Keep In Mind

      • Check to make sure your emergency savings fund is intact before using extra funds to accelerate debt repayment or to invest.
      [an error occurred while processing the directive]
      In this scenario, the after-tax cost of your debt is less than the after-tax return on your investments. You should consider using any extra funds to invest before accelerating your debt repayment.

      Things To Keep In Mind

      • Don't forget to always make your minimum debt payment!
      • Do you have a big purchase coming up where for which it would be better to improve your credit score by lowering your debt?
      • There is no guarantee when it comes to investing and markets can be volatile. In contrast, the interest on debt is known.
      • Check to make sure your emergency savings fund is intact before using extra funds to accelerate debt repayment or to invest.
      [an error occurred while processing the directive]
      Tackle your finances with LearnVest's Bootcamps.
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    • tooltip-pulse

      Birthplace: Westlake, TX

      36% of U.S. children who are born into families in the highest income tax bracket will stay in that bracket as they become adults. (With a median income of $250,000, Westlake tops the list of most affluent neighborhoods in the U.S.)

      tooltip-pulse

      Deborah

      A survey of LinkedIn profiles found that the top female CEO names, in ranked order, are Deborah, Sally, Debra, Cynthia and Carolyn.

      tooltip-pulse

      Asian

      As of 2008, Asian families in the United States earned a median income of $73,578—more than white families ($65,000), Hispanic families ($40,466) and black families ($39,879).

      tooltip-pulse

      Non-Smoker

      The net worth of non-smokers is $8,300 higher than heavy smokers and $2,000 higher than light smokers.

      tooltip-pulse

      Pharmacist

      Female pharmacists have the highest median weekly earnings among women, earning $1,647 every week. Chief executives and lawyers also top the list of highest paying jobs for women.

      tooltip-pulse

      Blonde

      Blonde women in the UK make more than their brunette and redheaded counterparts. Blondes have a monthly take-home pay equivalent to $1,556, while brunettes make $1,432 and redheads make $1,357.

      tooltip-pulse

      Left-Handed

      Left-handed people earn 5% more per hour than right-handed people. However, this effect is more pronounced in men.

      tooltip-pulse

      29 and Single

      Single and childless women under 30 living in the biggest American cities earn 8-20% more than their male co-workers.

      tooltip-pulse

      Beautiful

      Beautiful women earn about 5% more than average-looking women, and women with below-average looks make 9% less than their ordinary-looking counterparts. But being too attractive can work against you, especially if you're applying for a "masculine" job such as mechanical engineer or director of finance.

      tooltip-pulse

      Eldest Child

      The eldest child is the most likely to earn a six-figure salary. The youngest child, on the other hand, is the least likely to earn $100,000 or more.

      tooltip-pulse

      Drinker

      Women drinkers earn 14% more than non-drinkers, according to a study published by the Journal of Labor Research.

      tooltip-pulse

      MBA

      The more education a woman has, the more income she will likely earn over a lifetime. A woman with a professional degree, for example, will earn, on average, $4.4 million over a lifetime, compared to $1.2 million for a high school graduate.

      tooltip-pulse

      5'10''

      Studies have shown that tall people tend to earn more than their short co-workers. Every extra inch is worth an extra $1,000 per year in wages.

      tooltip-pulse

      Notable Trait: Assertive

      Women who score low on "agreeableness" (or more bluntly, women who are mean) earn on average about 5% or $1,828 more than those who to try to please.

      tooltip-pulse

      130 pounds

      Women considered "very thin" (25 pounds less than average) make $22,000 more every year than their co-workers of normal weight. Among white women, an extra 65 pounds is correlated with a 7% reduction in wages.

      tooltip-pulse

      Current Residence: Washington, D.C.

      Washington, D.C. tops the list of American metropolitan regions with the highest income.

      tooltip-pulse

      Good Credit Report

      Employers check credit reports during the hiring process to get an idea of your work ethic and financial responsibility. A good credit report can greatly boost your chances of landing a job.

    • dummies.com
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Before you dive into the chart, one important note: Below we’ve given you options to suit every budget. Normally we’d never recommend that you spend almost $200 on a silk blouse, but we stand by our belief that these pieces are so essential, versatile and useful that if you have the budget for it, you can use your hard-earned money to invest in something a) that’s classic, b) that you love, c) that’s high-quality and d) that will last.

Just remember that if you get seduced by a high-end piece, it only makes good financial and fashion sense if it fits your budget.

Item Good Value Mid-Range High-End
Silk Blouse H&M sheer chiffon sleeveless blouse with stand-up collar, $9.95 ASOS blouse with contrast scallop collar, $62.67 Nordstrom Valette pleat detail sleeveless silk top, $158
Tailored White Button-Down Old Navy women’s poplin-stretch dress shirts, $26.50 Banana Republic tailored non-iron sateen shirt, $49.99 Thomas Pink Abson shirt, $150
Black Blazer H&M blazer, $49.95 Zara gathered sleeve blazer, $99.90 J. Crew 1035 jacket in wool crepe, $225
Pencil Skirt Gap pencil skirt, $49.95 Ann Taylor compact doubleweave zip pocket pencil skirt, $88 Elie Tahari Katie skirt, $168
Classic Black Trousers Gap perfect trouser pants, $59.95 Banana Republic Martin fit sleek trouser, $79.50 Theory Max C pant, $200
Little Black Dress Target Merona Women’s pleated neck sateen dress, $34.99 Zara dress with belt, $79.90 Theory Betty dress, $295 

More From LearnVest

If you like The Essential Outfitter, there’s more where that came from.
Think 15 items is very few? Try ten … for the whole year.
There’s a color of the year, and we’ve got eight ways for you to wear it.

  • Candace M.

    This article has given me motivation to “spring” clean out my closet this weekend! I just went shopping to buy dresses and I still have dresses from last year with the tag on it! I’m going to donate my old clothes to a charity to make room for my new clothes, GREAT IDEA huh?

  • Allison U.

    I am absolutely in love with the dark blue silk blouse shown in the Work & Biz Casual window.  This would be one of my 15 in a heart beat, where can I purchase it?

  • Pookie2316

    This is really great, and I realize this is for spring, but where I live, it’s not really warm enough to wear shorts and short dresses very often…would you consider doing a feature with warmer clothing, perhaps in the winter? Thanks!

  • Kilaha

    This is a keeper! Very very helpful. Thanks LV!!

  • Tipkendundot

    How about some options for plus sized women? We’re not all size 16 and under. Thanks.

  • Alisha

    I like that you gave options on where to find some of the key pieces but why not all?  A cool feature would have been the ability to click on each piece to find out where it came from/how much it cost.

  • Abby S

    Did anyone actually COUNT?  It’s not actually 15 pieces…and then even different things are PICTURED than are listed…nice idea, but I think this one misses the boat.  Also, it only has about 4 outfits that one could wear to work…so it wouldn’t even get me through a whole week at work?!?!  how is that practical?  sure, I could wear the same thing every day, too, and then I’d only need to own one suit and one shirt…but that’s not practical either.  

  • Dt3518

    To bad you have nothing geared to the men who also use this site.

  • andrea

    I’d love to know where the flowery and black dresses shown are from. They don’t seem to have links and I REALLY want to buy them – can you help???

    • andrea

      The dress shown when you choose print dress (red, purple, grey with the scarf/belt). PLEASE!!!!

  • Gerigeeleslie

    LV  would be so helpful to those of us who need guidance putting the basics together in plus sizes but nothing went beyond a size 12 – 16.  Thanks!  Geri

  • Angel

    I don’t work white collar. I need wardrobe solutions for a girl that HAS TO wear jeans, atheltic shoes and a T-shirt at work. My closet is full of just that, green T-shirts for work. OSHA isn’t skirt friendly.

  • MJB

    RE: ASOS blouse with contrast scallop collar Oh Yes! My work totally encourages me to wear see-through clothes that show my bra and my skin! Thanks for the brilliant idea!

    • Ceej

       That’s why you wear a camisole!!!

  • LAM

    I love this whole article! It’s a great place to start with basic ideas and then run with them from there. People should realize this is an “outline” on how to start putting your wardrobe together- you don’t necessarily need the exact pieces; and even if you work in a more casual environment one can still incorporate some of the ideas. Fantastic!

  • Heidi

    Put in some updated links! All of these items no longer exist!

  • Joshua Miller

    Too bad even though this site was originally for women only that this tool is only for women….I could use a decent tool to help me out once I get my card paid off XD Especially since I know I shouldn’t wear all jeans or khakis and I stink at matching stuff and such….