Jim Kalinowski will be teaching Balancing the Badge to Make a Difference at the Houston Police Department on the below dates and locations:
Active classified and civilian employees including spouses are welcome to attend via enrolling through the department’s computerized Talent Management System (TMS). Due to the number of offerings in the TMS system, please use the search method to locate the course Balancing the Badge (Circle of Life) and tab any location on the drop down list.
Retired HPD classified and civilian personnel, along with their spouses can sign up by contacting HPD Academy by emailing:
Charlotte.Williams@HoustonPolice.Org,
Latrina.Southwell@HoustonPolice.Org,
Kathryn.Batiste@HoustonPolice.Org.
Seats are limited and will be on a first come first serve basis.
If you have any questions, please contact Balancing the Badge (Circle of Life) instructor Lt. Jim Kalinowski at 713-308-0984 or email James.Kalinowski@HoustonPolice.org.
This is an 8 hour elective course (on-duty) offered through the TMS.
HPD-2848.8001
This is an 8 hour elective course (on-duty) offered through the TMS. The offering dates are as follows:
All Classes Held at HPOU Union Hall 1st Floor (Main Bldg) 1600 State St. Houston TX 77007
All Classes 8:00 AM – 4:00 PM
Wednesday, September 13, 2023
Wednesday, September 27, 2023
Wednesday, October 11, 2023
Wednesday, October 25, 2023
Monday, November 6, 2023
Wednesday, December 6, 2023
Wednesday, January 10, 2024
Wednesday, January 24, 2024
Wednesday, February 7, 2024
Wednesday, February 21, 2024
Wednesday, March 13, 2024
Wednesday, March 27, 2024
Wednesday, April 10, 2024
Wednesday, April 24, 2024
Wednesday, May 8, 2024
Wednesday, May 22, 2024
Wednesday, June 12, 2024
Wednesday, June 26, 2024
Wednesday, July 10, 2024
Wednesday, July 24, 2024
Wednesday, Aug 7, 2024
Wednesday, Aug 21, 2024
Life is a balance of having enough money to live on and a purpose to live for.
To request Jim Kalinowski to teach at your agency or organization, please email him directly at Jim@BalancingtheBadge.com
Course Description
BALANCING THE BADGE (CIRCLE OF LIFE):
Balancing the Badge (Circle of Life) is a holistic approach toward balancing your law enforcement career for all recent academy graduates, officers in the middle of their careers, those considering retirement, retirees, as well a HPD civilians. Students will participate in the following:
- Create a financial and life wealth plan to integrate your values and priorities of a career, family, and spiritual well being.
- Learn how to test drive your retirement before you leave.
- Create life wealth by balancing the badges to identify your priorities, values, and goals.
- How to give yourself a pay raise by creating a budget and learning debt reduction techniques.
- Learn eight steps to become debt free.
- Estate Planning, including the importance of having proper beneficiaries, will, trusts and what your family needs to know document.
- Social Security – 40 quarters, awareness of penalties of exceeding annual earnings prior to social security’s definition of full retirement age, and discuss WEP Windfall Elimination Provision.
- Medicare – difference between Medicare Supplement vs Advantage plans. Define Medicaid and qualifications.
- Attention to health insurance costs when considering retirement.
- RMD – mandatory Required Minimum Distribution at age 73.
- Taxes – how withdrawals from qualified plans (ex. IRA, 457, DROP), affect Taxes, Medicare parts B & D & Social Security tax.
- Risk tolerance – Learn how to align your personal and investment portfolio risk tolerance.
- COLA – how to calculate how much you receive each year.
- Investing – Deferred Comp, IRA rollover, Traditional and Roth
- Scenarios for classified pension plans: plan 1 prior (10/09/04), and plan 2 after (10/09/04), and how they work.
- Spreadsheet scenarios of retirement fund longevity projections.
- Long term care options, life insurance, define fixed and variable annuities, identity theft.
- Reference book: Balancing the Badge to Made a Difference: What every law enforcement professional should know about managing money and life.