Talking to Your Kids About Money

Through education and encouragement, parents can help provide their children with the skills necessary to make a lifetime of good financial decisions. The majority of children today never receive money management coursework during any level of schooling, including college. Ultimately, most children will eventually become responsible for making their own financial decisions—whether they are ready or not. When education and encouragement are provided early and practiced often, parents can help their children to develop the skills necessary to make a lifetime of good financial decisions.

Key takeaways include:

• Setting up allowances
• Encouraging savings
• Discussing responsible saving
• Investing
• Giving back

Registration Closes: September 11, 2023

Zachary Johnston, CFP®, CPWA®
Account Vice President
Financial Advisor Associate

CERTIFIED FINANCIAL PLANNER™ Accredited Wealth Management Advisor℠ Certified Private Wealth Advisor®

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Zachary is a Financial Advisor and Account Vice President with the Johnston Frantz Group. He joined the team in 2019 with 6 years of experience in the financial services industry. His UBS career started in 2017 when he came on as a Wealth Planning Associate.

Being a Financial Advisor, Zach is passionate about working with families to ensure their finances efficiently achieve their goals and effectively communicate their values to themselves and their surrounding community.

Zach graduated from Eckerd College in Florida with a degree in Music, which still plays a role in his life to this day. During his time with UBS Financial Services, Zach has earned the CFP®, AWMA® and CPWA® designations, further demonstrating his zest for knowledge and professional growth.

Zach enjoys speaking with others and learning about their ambitions. If you are interested in knowing more about how our team can help you utilize your wealth to achieve those ambitions or you want to talk pipe organs or American roots music or talk about his toddler Abby and her latest adventures, don’t hesitate to reach out to Zach.

Erica Frantz, CPWA®
First Vice President-Wealth Management
Financial Advisor

Wealth Advisor Certified Private Wealth Advisor®

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With nearly 15 years of financial services experience, Erica enjoys offering high-net-worth individuals and families peace of mind and financial security by providing a disciplined approach to investing and creating customized solutions that fit their needs. Clients benefit from her goals-based planning which first addresses their current and future needs, then creates a plan that is monitored to ensure they are on the path to achieving their goals.

Erica just recently completed the training for earned the Certified Private Wealth Advisor (CPWA®) designation.

The aspect of this work that brings Erica the most joy is helping our clients plan for retirement and then transition into living and thriving within the next phase of their lives. By ensuring that our clients are on track to reach their goals early, we give them the freedom to spend time doing what they are most passionate about. We consider it a significant compliment that our clients choose to share so many parts of their lives with us, passions included.

Erica graduated from the University of Richmond where she earned her degree in business. She currently lives in Edina with her husband Collin, sons Jack and Connor, and daughter Grace. If you are interested in knowing more about the services Erica and our team can provide to you, have questions about wealth management, or you have a delicious recipe you would like to share, don’t hesitate to reach out to Erica.

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Lunch options will include:

• Honey Dijon Turkey Sandwich: Turkey, Swiss, Romaine, Tomato, Honey Dijon
• Ed’s Club Sandwich: Roast Beef, Ham, Provolone, Romaine, Tomato, Hellman’s, Grey Poupon
• Roast Beef & Swiss Sandwich: Roast Beef, Swiss, Romaine, Tomato, Hellman’s
• Cobb Salad: House Blend Field Greens, Egg, Bacon, Avocado, Tomato, Crumble Bleu, Red Onion, Honey Dijon Dressing
• Greek Salad: House Blend Field Greens, Farro, Feta, Tomato, Red Onion, Cucumber, Greek Olive, Greek Vinaigrette
• Chihuahua Salad: House Blend Field Greens, Sweet Corn & Black Beans, Tomato, Onion, Avocado, Queso Fresco, House Chipotle Ranch

Please inform us of any Food Allergies or Dietary Restrictions on your registration form.