Planning For the Future -Aging and Financial Planning

FINANCIAL STRATEGIES FOR SUCCESSFUL RETIREMENT

With financial independence, retirement can be the most fulfilling time of your life.  This class covers important money management concepts and issues that are valuable to people near or at retirement.  Topics include how to reduce pressures on your retirement income and which assets are appropriate for retirement income.  A “hear it, see it, read it, write it” teaching method makes it easy for you to understand and remember the practical information.  No products or investments will be promoted or offered.  By condensing up-to-date financial information into three classroom sessions, this seminar gives you the answers you need.  A $30 material fee is payable to the instructor at the first class.

Course # 4256 Tuesday NHS
6:30-8:30 PM Starts 10/16/18 3 Classes
Steve Jacques Fee $39
Voya Financial Advisers Inc.

PROTECTING YOURSELF FROM IDENTITY THEFT AND IDENTITY FRAUD
According to the 2017 Identity Fraud Study by Javelin Strategy and Research, more than 15 million Americans lost $14 billion due to identity theft and fraud last year.  Over the past six years, identity thieves have stolen over $107 billion!  In this workshop you will review tips and resources on how you may be able to protect yourself from identity theft and identity fraud.  Identity theft can seriously damage your credit and financial reputation, and it may take years to restore your good credit and name.  Worse, they can drain your bank accounts, take out loans, credit cards, and even driver’s license in your name.  The stakes are high and it’s critically important that you protect yourself.

Course # 4267 Tuesday NHS
6:00-7:30 PM Starts 9/25/18 1 Class
Wells Fargo Partnership Fee $29


YOU AND YOUR MONEY
Where is my money going?  Why can’t I save more?  How will I pay for my children’s college?  Will I have enough money when I retire?  Do I have an emergency fund?  How does my credit score affect my savings goals?  How do I read my credit report?  Are my credit card balances too high?  If you have asked any of these questions, then you need to attend this workshop!  Our workshop will help you on a path to smart money management.  The tools you will learn will help you gain control over your finances.  You will create or update your spending plan to put you on a path for better money management.  You will learn how to create and use a budget and borrow wisely to make sure you are planning for a successful financial future.  You will develop a plan for savings and you will be better prepared to make large purchases or for emergencies like an unexpected car expense.  Please join us to learn how to gain control over you finances!

Course # 4271 Tuesday NHS
6:00-7:30 PM Starts 10/30/18 1 Class
Wells Fargo Partnership Fee $29

TAX FREE IN RETIREMENT
Many Americans assume that their taxes in retirement will stay the same or go down.  Unfortunately for most this may not be the case.  Historical federal tax rates have been as high as 91% in the 50’s, 70% in the 70’s and 50% in the 80’s.  Upon retirement social security may be taxable as high as 85% to the recipient and required minimum distributions from retirement accounts also can create substantial taxable income.  Include pensions, rental property income, capital gains, dividend and interest income and you can see the picture is somewhat unclear on future taxes.  Join us to learn about strategies that can help you get closer to a tax free retirement.

Course # 4360 Wednesday NHS
6:30-8:00 PM Starts 9/26/18 1 Class
Michael Alimo Fee $29
USA Financial & Tax Services, LLC 


CHANGES IN SOCIAL SECURITY AND INTEGRATING THEM IN RETIREMENT

This is a great opportunity to learn KEY CONCEPTS you need to know before applying for Social Security.  Depending on your age, Social Security filing strategies may boost lifetime benefits and increase retirement income by tens of thousands.  Always consider Social Security payout as a component of your retirement plan.  We will inform you about:  January 1, 2017 Social Security regulation changes impacting  the filing timing options available to you; How Social Security benefits are calculated and the advanced planning required to increase them; Why married couples, divorced and widowed individuals can miss out on significant lifetime sums; How Social Security sums may be integrated into a retirement analysis projecting future monthly income; The “three legged stool” approach to retirement planning and how to support your needs in the future; What is your money earmarked for?  Income, growth, preservation, legacy?, Will I outlive my money in retirement?  How can I avoid this?  

Course # 4171 Monday NHS
6:30-8:00 PM Starts 9/24/18 1 Class
Michael Alimo Fee $29
USA Financial & Tax Services, LLC


ESTATE PLANNING AND THE 40 RELEVANT NECESSARY DOCUMENTS
An Estate Plan is the “Greatest Gift” that you can give family members and loved ones.  You do not have to be a millionaire to think about Estate Planning, rather consider the confusion having an Estate Plan will eliminate for your family members.  Today, an Estate Plan and related Asset Profile are becoming essential life-planning tools.  This course will take you through a comprehensive plan and the steps that need to be taken in developing an Asset Profile and the related documents.

Course # 6354 Wednesday NHS
6:30-8:30 PM Starts 10/10/18 1 Class
Curt Symes Fee $29


PLAN YOUR SOCIAL SECURITY WITH CONFIDENCE

This ninety-minute presentation covers Social Security basics and reveals strategies for maximizing benefits.  We will discuss minimizing taxes on Social Security benefits and coordination of your Social Security benefit with your other sources of retirement income.  We welcome your questions about Social Security benefits as you explore your personal options.

Course # 6461 Thursday NHS
6:30-8:00 PM Starts 10/11/18 1 Class
Albert D’Agosto and Fee $29
Charles Yannich
Retirement & Money Strategies


REMOTE CARE-GIVING OR CARING FOR A DISTANT LOVED ONE
With today’s mobile families and ongoing relocations, the synergy of multiple generations of families being in close proximity is no longer the norm.  Compounded by an aging population, the concept of Remote Care-giving is becoming the new norm in looking out for and taking care of distant family members and loved ones.  This requires a whole  new set of skills to be acquired by the younger Gen X and in some cases Millennial family members.  The Remote Caregiver must become somewhat of a Geriatric Specialist and Gerontologist, as well as, a more sensitive and compassionate person.  The class will discuss real life experiences and help attendees formulate the contents of their own unique Remote Care-giving Plans.

Course # 6357 Wednesday NHS
6:30-8:30 PM Starts 11/7/18 1 Class
Curt Symes Fee $29


CONCERNED AND/OR CONFUSED ABOUT MEDICAL INSURANCE & MEDICARE?
This is an expanded class with two sessions and includes more Medicare Plan analysis and discussion along with a guest speaker.  It is designed for people approaching age 65 who have “real” questions and concerns about Medicare and related medical, dental, vision, silver sneakers and long term care insurance.  It puts into perspective the TV and media advertising, home mailers, etc. that talk about Medicare Part A, B. C & D—Supplements/Medigap and Advantage Plans, the Red-White-Blue Book, etc.

Course # 6221 Tues/Thurs NHS
6:30-8:30 PM 10/23, 10/25 2 Classes
Curt Symes Fee $49

THE VALUE OF FAMILY LIFE  PLANNING—WILLS, TRUSTS, POWERS OF ATTORNEY, HEALTHCARE DIRECTIVES, LIVING WILLS, MOLST & POLST FORMS, ETC. 
Do you understand the importance of having a Will (Testate), Living Will, Curable Power of Attorney (POA), Health Care Directive & Proxy, Revocable & Irrevocable Trusts, DNR, MOLST/POLST and so on?  Do you know what they mean, how they are created and the negative ramifications of not having them?  Do you know how to select an Executor, POA, Proxy, Trustees, etc?  If the answer is no, then this class is for you and your spouse or significant other.  This is a how-to class with references, samples, examples and real-life experiences.  

Course # 6372 Wednesday NHS
6:30-8:30 PM Starts 10/17/18 1 Class
Curt Symes Fee $29