Planning For the Future -Aging and Financial Planning

MEDICARE BASICS
Designed for those approaching 65 and/or new to Medicare, this educational workshop will cover many aspects of this somewhat daunting and complex subject.  A few of the topics included are Medicare Part A, B, & D, benefits, costs, and various related Medicare solutions—”Medigap” plans (Medicare Supplements) Medicare Health Plans, Medicare Savings Plans, Extra Help, discount drug cards, and how Medicare works with other health insurance.  The goal of this class is to learn about Medicare, and to reduce the cost of health care!

Course # 6457                 Thursday                   NHS
6:30-8:00 PM                   Starts 3/14/19           1 Class
Suzanne Candee                                               Free


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 #4156                    Monday                   NHS
6:30-8:30 PM                     Starts 5/6/19           3 Classes
Steve Jacques                                                   Fee $39
Voya Financial Advisers Inc.


LONG-TERM CARE

The very mention of long-term care makes many of us want to run the other way, but with roughly 10,000 baby boomers turning 65 every day from now until 2030, the future costs of long-term care, and health care in general, are a top concern of current and son-to-be retirees.  It’s also one of the toughest decisions to make but given the rising costs of care it’s a critical consideration for long-term retirement planning.

Course #4471                           Thursday                      NHS
6:30-8:00 PM                            Starts 3/21/19              1 Class
Michael Alimo                                                                Fee $29
USA Financial & Tax Services, LLC

MARKET CORRECTIONS AND HOW THEY CAN AFFECT MY RETIREMENT

During this presentation we will educate you on some of the following topics that will help you understand the value of planning and staging your retirement to potentially be prepared for these events:  What are some of the ways to hedge or shelter my portfolio when these events happen, Buy low and sell high, we’ve all heard of the concept how do we accomplish this, How taxes can play an equally important role in retirement as well and Can I weather the storm of a correction and recover. 

Course #4460                                     Thursday                       NHS
6:30-8:00 PM                                      Starts 3/28/19               1 Class
Michael Alimo                                                                           Fee $29
USA Financial & Tax Services, LLC

THE BASICS OF ESTATE PLANNING AND UNDERSTANDING-NAVIGATING “ALL” THE RELEVANT FAMILY  AND PERSONAL DOCUMENTS

An Estate Plan is essential in today’s society and the “Greatest Gift” that you can give family members and loved ones.  Everyone needs to think about Estate Planning and the related legal, medical and financial information.  Consider the confusion having an organized and documented Estate Plan will eliminate for your family members/loved ones.  Today an Estate Plan and related Asset Profile and documents 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 a Plan and the related documents.  

Course #6354                              Wednesday                           NHS
6:30-8:30 PM                               Starts 3/13/19                       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 #6261                                       Tuesday                           NHS
6:30-8:00 PM                                        Starts 3/26/19                  1 Class
Albert D’Agosto and                                                                      Fee $29
Charles Yannich
Retirement & Money Strategies

FUN AFTER 50—LIVE LONG AND PROSPER—AGE WELL AND THRIVE

Today’s society has transformed into a fast-paced, complex, intricate jumble of happenings—all competing for time in our daily schedules.  With mobile (cell) phones, mobile (travelling) families, compounded by an aging population and family dynamics (the Sandwich Generation and Triple Decker), the concept of just in time actions is becoming the new norm.  Life Planning and prioritizing the time for personal physical exercise and brain fitness or mental enrichment are essential as we age and can even be fun.  Stimulate the mind and get the “Endorphins” flowing.  This requires “new think and a whole new set of skills to be acquired.  A need to plan and take time to accomplish your goals is essential.  This class will discuss real life tools and techniques to help attendees formulate their own unique approach to living and aging well, having fun and possibly even prospering in new endeavors and careers.

Course #6321                                  Wednesday                       NHS
6:30-8:30 PM                                   Starts 6/12/19                   1 Class
Curt Symes                                                                                Fee $29


THE IMPORTANCE OF FAMILY LIFE PLANNING:—WILLS, TRUSTS, POWERS OF ATTORNEY, HEALTHCARE DIRECTIVES, LIVING WILLS, MEDICAL FORMS & ADVOCACY
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 to any of these questions, then this class is for you and your spouse or significant other.  This is a hands-on how-to class with references, samples, examples and real-life experiences.  

Course #6372                                Wednesday                                   NHS
6:30-8:30 PM                                 Starts 4/10/19                               1 Class
Curt Symes                                                                                          Fee $29



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 a driver’s license in your name.  The stakes are high and it’s critically important that you protect yourself.

Course #4267                                 Tuesday                       NHS
6:30-8:00 PM                                  Starts 5/7/19                1 Class
Wells Fargo Partnership                                                      Fee $29

YOUR PERSONAL FINANCIAL PRIMER

A comprehensive review of the following personal financial planning topics:  the art of saving; setting financial goals; funding for college, retirement planning; principles of investing; how to prepare your income tax return; buying vs. leasing a car; buying your first home; reverse mortgages; and wills, trusts and probate. You will receive a gook that is included with the price of the class.

Course #4475                                  Thursday                        NHS
7:00-8:30 PM                                   Starts 4/25/19                3 Classes
William Colbert                                                                       Fee $49


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 #4371                               Wednesday                                 NHS
6:30-8:00 PM                                Starts 4/10/19                            1 Class
Wells Fargo Partnership                                                                  Fee $29