Finance >> Retirement

  Did you know that your "estate" consists of everything of value: cash, clothes, cars, real estate, investments, retirement accounts, and pensions accumulated throughout your lifetime? Join us for this informative and interactive class to learn how to preserve and manage your assets while you still can, and then transfer them to your loved ones after you pass away. This process involves weighing various personal and financial decisions and creating legal arrangements to carry out those decisions. We will discuss how to properly receive an inheritance as well as how to give one, strategies to avoid expensive delays and legal challenges, and intelligent distribution of assets, and charitable giving. Wills, trusts, asset protection, probate and family businesses also will be discussed.  

  The odds that you will need long-term care are greater than you might imagine. Long-term care need does not age discriminate, in fact, 40% of patients receiving long-term care are under age 65. Take this quiz. If you develop a chronic illness or become disabled: How could you care for yourself? Who would you count on to care for you? Do you know how to protect yourself? What is Long-Term care insurance? Could you financially afford the care? Are you comfortable depleting your assets to pay for care? The average cost of a home health care aide is $20 per hour.  True or False? The average annual cost for a facility room is greater than $75,000.  True or False? Financial considerations aside, Long-Term Care Insurance (LTCi) is about peace of mind and control. Having it ensures you will have access to first-rate care should you need it without being dependent upon others or being a burden to your children. This workshop describes ways to protect yourself, defines long-term care insurance, and explains why LTCi is not for everyone. Private medical insurance and Medicare also are discussed.  

  The ABC and D’s of Medicare This workshop is multi-dimensional, designed for those on Medicare, have parents on Medicare, are about to become eligible for Medicare, or are caregivers overseeing the care of Medicare patients. Topics include: objective information about traditional Medicare; Medicare Advantage; Medicare supplemental insurance; and prescription drug plans. Find out: When may I first sign up? What does each of the Medicare (A, B, C, and D) parts cover? What if I wish to work past 65? Do I really need supplemental insurance? What if I have insurance through past employment, VA, or other retirement plans? Where can I go for help? $5 materials fee payable in class.  

  You have worked hard to be able to retire! This unique and comprehensive course focuses upon the life planning and financial concepts important to retirees. Students will hear in straightforward language about financial strategies designed to accomplish objectives such as tax-efficient income planning, lifestyle preservation, inflation protection, and providing for a legacy. Yet, money is but one aspect of post-retirement planning. Included in this course is a discussion about fun and fulfilling activities such as travel, hobbies, sports, crafts, socializing, business ventures and the importance of lifelong learning. Included is a financial planning and retirement workbook. Class size is limited so register early!