My Clinic Story: Kristina Ludwig

To apply for our Fall 2015 semester, please use the in-house clinics application form, located here.  Applications are due no later than February 27 at 7:00 p.m.

By Kristina Ludwig, Fall 2014 Student Intern

ludwigI found the Investor Advocacy Clinic to be a very rewarding experience because it served as an introduction to working at a law firm. During the semester, I had the opportunity to interview clients, analyze their cases, and determine whether they were eligible for representation.  I learned how to conduct client intake and document review while also keeping track of my billable hours and discovering the importance of the up-to-date case plan.  I would recommend the Clinic to anyone who would like to gain some practical experience before they graduate, or anyone who is interested in securities arbitration.  I predict that the Clinic will be one of the most valuable classes I will take and I am glad that I took advantage of the opportunity when it presented itself.

Military Saves Week 2015: Covering All Your Bases with a Few Investor Basics

By Kristina Ludwig, Fall 2014 Student Intern 



Anything worth having doesn’t happen overnight

So this is how to keep financial security in sight,

Make sure you save your dollars for the next rainy day

And always, always, ALWAYS work harder than you play.


Do not invest in anything that’s too good to be true;

Those animals exist only in the financial fraud zoo.

Be wary of pressure or time-sensitive deals;

It’s a tactic of crooks and how the unscrupulous steals.


Always look up a broker on FINRA’s BrokerCheck

And visit the SEC if you’ve an investment to vet.

If the investment is not registered or in some way exempted,

Then the investment might be illegal, so do not even be tempted.


Never invest based on one’s person’s claim

Or when your group of friends are doing the same

Because Affinity Fraud is a very real threat

And could even be promoted by a fellow service Vet.


For more investor basics, try this website, don’t be nervous.

And from the IAC, we thank you for your service.


Military Saves Week 2015: Protect Your Future While Protecting Our Freedoms

military saves

By Kristina Ludwig, Fall 2014 Student Intern

treeNow that you’ve gotten your debt under control, it is time to start saving.  Saving, even on a tight budget, can be easier than you think.  Here are a few tips to get you started. Continue reading

Military Saves Week 2015: Debt Got You Down? Buy-In to Budgeting!

military saves

By Kristina Ludwig, Fall 2014 Student Intern

debt33% of Americans spend more than they earn. This is obviously problematic and can lead to some serious debt.  How do you know how serious your debt is?


  • Can you only afford to make minimum payments on your credit cards?
  • Do you worry about finding the money to make monthly car payments?
  • Do you borrow money to pay off old debts?
  • Have you used a home equity loan to refinance credit card debts, then run up new revolving balances on your cards?


If you answered “Yes,” to any of these questions, Military Saves says you need to get your debt under control. Continue reading

Military Saves Week 2015: “Start Small, Think Big” for Financial Fitness

military saves

By Kristina Ludwig, Fall 2014 Student Intern

moneyMilitary Saves Week is an annual push to promote healthy savings behaviors and encourage service members and their families to evaluate their savings behaviors. Target participants are:

  • Military Leaders and Project Officers
  • Military Banks and Credit Unions
  • Family Readiness Centers
  • Individuals and Families
  • Teens and Kids
  • Non-Profit Organizations and Associations

Continue reading

Investing in Education: Other Avenues

By Kristina Ludwig, Fall 2014 Student Intern

chalkCustodial accounts are another tax-advantaged way for parents to save for their child’s college education. Custodial accounts are also referred to as Uniform Gift to Minors Act (UGMA) accounts and Uniform Transfer to Minors Act (UTMA) accounts. Continue reading

Investing in Education: Coverdell Education Savings Accounts

By Kristina Ludwig, Fall 2014 Student Intern

pencilsCoverdell Education Savings Accounts can generally be set up at almost any financial institution. Unlike 529 plans, Education Savings Accounts allow a much broader range of investments (except for life insurance contracts).

They have two annual contribution limits for individuals. Continue reading