Seminars

Leaving Your Handprint Behind* New 2021*

This seminar is motivational, and its purpose is to reach out to seniors and help you realize your talents and to do something to leave your legacy behind. We all have a story to tell. How do you want to be remembered? It is one to two hours in length and is available to Senior Centers, Retirement Groups, or any organizations. It is available virtually or in person.

Living in Retirement as an Informed Retiree

Ignorance is expensive for youngsters, disastrous for older Americans. Too many people are discovering after the fact that some laws can and will be costly to them in the future. This two-hour seminar will hopefully have you look once again at your retirement, understand eligibility for Medicare, maybe learn for the first time about the Medicare B penalty and Medicare B surcharge, learn the new tax laws regarding sale of second home, prevent you from paying double state taxes on money contributed prior to 1998 to 403b or Tax-Sheltered Annuity distributions, the laws regarding your working in retirement, and many other issues. “I did not know” are the famous last words of one who has just been hit with a bill they did not know was coming. Education is still the tool to combat ignorance and we are sure this seminar will be informative for all who attend.

How to Protect Your Nest Egg and Plan for the Right Outcome for Your Family

This is a two-hour seminar that will deal with HIPPA Authorization, should you have a will or a trust? Trusts (Irrevocable and Revocable), gifting, Medicaid Qualifying Trusts, Probate, joint tenancy, direct transfers upon death, guardianship of incapacitated adults, and more. The two-hour time frame will allow for questions. Elder Law Attorney Mary Howie whose practice concentrates on estate planning, elder law and asset preservation will give this seminar. She a member of both the Massachusetts and New Hampshire Bar Association, National Academy of Elder Law Attorneys, New Hampshire Conflict Resolution Association and the National Association of Consumer Bankruptcy Attorneys.

Preparing for Retirement

This seminar is directed toward those who are within ten years of retirement. It is for ALL who are retiring from the public sector in MA. It is two hours in length. During those two hours the seminar focuses on:

Retirement Planning—the need for emotional and psychological preparation as well as financial.

Practical Money Suggestions

Protecting Your Assets-- particularly your home

What Factors Decide Your Pension—Creditable Service, Age, Final average Salary and Retirement Plus for those who qualify.

Options that are available from which you can select.

When You Should Apply and What You Must Send Them

Legal Issues

Tax Structures as affects your pension depending on where you live

Health Insurance and Medicare

Social Security and the Government Pension Offset/Windfall Elimination Provision Penalties.

Cost of Living Adjustment and Decrease in the Purchasing Poser of Your Pension

Understanding Your Social Security

This seminar is one and a half to two hours in length and goes in depth on:

How your Social Security is factored

When you are eligible to collect

How the penalty of the Government Pension Offset is calculated

How the penalty of the Windfall Elimination Provision is calculated

The two-tiered tax on Social Security

Medicare

Medicare eligibility

Medicare A

Medicare B

Medicare B penalty

Medicare B surcharge

To Move or Not to Move Seminar

This seminar is over two hours in length and is very comprehensive.

It looks at YOU and:

How you will adjust to the move

The physical set-up of what you want

The pros and cons of the various forms of housing

Important questions for each form of housing

Over 55 housing and the legal and financial consequences

In-law apartment

Independent and assisted living

Selecting a realtor

Selecting a buyer’s agent

Protecting your home

Tax break on selling your home

Financing, and moving tips with the U.S. Small Business Administration (SBA).