Your Financial Foundation

Every House Needs a Foundation. So Does Every Family's Money.

Most of us were never taught how money actually works — we learned by trial and error, usually expensive error. This education-first session, led by Dr. Sam (Sourav) Saha with Rahul Agarwal, CPA, walks through a financial foundation in the order it is built: cash flow and an emergency fund, a plan for debt, protection for your income and family, and the workplace and tax-advantaged accounts that build wealth over time. It follows the framework of the Lithos eBook Your Financial Foundation, and every attendee can request a free copy.

What You'll Take Away

The Foundation, in Three Layers

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01 · Build the Base

Cash flow, savings, and debt.

Where your money actually goes, how large an emergency fund makes sense for your household, and a simple order for paying down debt — credit cards, car loans, and student loans.

🛡️

02 · Protect It

Your income is your biggest asset.

Life and disability coverage in plain English, what workplace coverage does and does not do, and the basic documents every family should have — a will, current beneficiaries, and powers of attorney.

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03 · Grow It

Make your money work as hard as you do.

With Rahul Agarwal, CPA: capturing the full employer match, how 401(k), 403(b), IRA, Roth, and HSA accounts differ at tax time, and why starting early matters more than finding the perfect investment.

The Audience

Who This Seminar Is For

✓ Working adults and families who want a clear plan, at any income level
✓ Young professionals starting a first job with benefits
✓ Parents balancing today's bills with tomorrow's goals
✓ Anyone carrying debt who wants a realistic way out
✓ Couples who want to get on the same page about money

At Lithos, our mission is to create wealth for families. Through layered planning and a team of trusted professionals, we provide comprehensive insurance, wealth, tax, and real estate solutions that empower clients across the country to protect what matters today and build lasting legacies for tomorrow.

Reserve Your Seat

Free Admission. RSVP Required.

Limited seats. Choose the date and format that work best for you.

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Guests Joining You optional

This information is for educational and follow-up purposes only. Submitting this form does not create a client relationship and does not constitute financial, tax, legal, insurance, investment, real estate, mortgage, or lending advice. A licensed professional will review your request and follow up as appropriate. Email and SMS communications are used only according to the consent selections provided above.

Questions

Frequently Asked Questions

Which dates and formats are available?+

How long is it?+

Is this really free?+

Yes. There is no cost to attend, no purchase required, and no obligation. Lithos hosts this seminar as part of our commitment to family financial education.

Will you try to sell me something?+

The seminar itself is educational. If you would like to talk about your own situation, you can request a complimentary one-on-one review afterward, where products and services may be discussed. It is entirely your choice, and attending creates no obligation.

Do I need to bring anything?+

Just your questions. If you like, bring your most recent benefits summary or a pay stub to follow along — you will never be asked to share it.

Is this the same as the eBook?+

The seminar follows the same framework as the Lithos eBook Your Financial Foundation. Every attendee can request a free digital copy to keep working through at home.

What's the difference between in-person and online?+

Same content, same speakers, same live Q&A. In-person attendees get printed take-home materials and face-to-face conversation; online attendees receive the materials digitally and the Zoom link by email after they RSVP (and again in the reminder an hour before). Choose whichever date and format fits your week.

Can I bring someone?+

Please do — the best decisions get made together. Tell us how many guests are joining you on the form, and after you RSVP you'll be able to send them a personal invitation so they get their own confirmation and reminders.

This seminar is educational. Nothing presented is personalized financial, investment, tax, legal, insurance, real estate, mortgage, lending, or medical advice, and no outcome is guaranteed. Insurance and annuity guarantees are backed solely by the claims-paying ability of the issuing insurer. Attendance carries no obligation. Attendees may request a complimentary review, where products and services may be discussed.

Tax rules, contribution limits, and account features change and depend on your situation and employer plan; confirm details with your CPA and plan documents.