3rd Decade® Program

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“The 3rd Decade®

a 10-year focus on personal finance education and investing that changes lives.”

— Bob Swift

The 3rd Decade® program serves young adults of moderate means (teachers, nurses, military personnel, etc.) in their 20’s and 30’s, their third decade, because we know that it’s a critical time for building their financial future. So important is this goal that participants in the 3rd Decade® program are able to earn financial incentives.

We are excited that you are ready to manage your financial future. Please read through the following criteria and information for participating in the 3rd Decade® program. Once you are ready, complete the application form and we will be in touch.

Each class is in person and is limited to 30 participants.


  • A maximum of 30 participants

  • Four classes (10 classroom hours) focusing on personal finance, budgeting, savings, debt management and investing. All classes are held in the evenings.

  • Classes are a mixture of lecture, video, hands on activities and resource presentation.

  • A final exam


  • A two-year relationship with a professional financial advisor to establish and manage your personal financial plan (a spending, saving and investing plan)

  • Participants are eligible to earn a $1000 contribution to their Roth IRA at the successful completion* of the program (*100% participation in classes and advisor meetings and a passing grade on the final exam)

  • Participants agree to provide financial information annually for up to two years in order to track the outcome of the program


  • Age range 18-35

  • Individual Income Between $35,000 and $75,000 or a Household income between $35,000 and $120,000

  • Rent an apartment/house or own their home
  • Working full-time (Include Homemakers)

  • Ready to manage debt and start a financial plan and ability to save

  • Will commit to attending the four classes and advisory meetings over the course of the program


We have upcoming classes scheduled and participation is limited to 30 individuals. To be eligible, complete and submit the application. We are working on expanding our program, please fill out the application and let us know where you are located, and would like us to offer classes in the future. 

Current Locations for the 3rd Decade® Program


Our commitment to you

If you have attended all classes and advisor meetings and earned a passing grade on the final exam, you will be eligible to earn a $1,000 contribution to your Roth IRA account held at a financial institution that takes third party checks. There is no charge at any time for classes, meetings or any aspect of the program. You will not be sold financial products nor referred to certain financial institutions or providers. This program is strictly educational in format and intent and receives no compensation from any transactions or advice.

Your commitment to us

Our hope is that this pilot program demonstrates the value to young adults of financial education and advisory services. In order to demonstrate success, we will need to collect financial information from each participant annually for the two years you’re participating in the program. For this reason we will ask you to complete a Net Worth Statement annually for two years. We will also collect demographic information from program participants. Because our firm is regulated by the Securities Exchange Commission (SEC), we are required to have a Limited Consulting Agreement signed by each program participant. Although there is no cost to participate and we receive no compensation from any transactions or for advice, the SEC requires our working relationship be in writing. Renewal of the agreement at the end of the program is strictly voluntary.