Financial Planning
SAVVY SOCIAL SECURITY FOR BABY BOOMERS
What Couples Need to Know About Their Retirement Income. At this workshop you will learn...
• 5 factors to consider when deciding to apply for benefits • When it makes sense to delay benefits—and when it does not • Why you should always check your earnings record for accuracy • How to estimate your benefits • Innovative strategies for coordinating benefits with your spouse • How to minimize taxes on Social Security benefits • How to coordinate Social Security with your other forms of retirement income
Day & Time: Tues. OR Thurs. – 6:00 p.m. - 7:00 p.m.
Dates: 3/5 OR 5/2
No. of classes: 1
Fee: $5/couple
Room: L6 - High School
Instructor: Brett Komm, CSSCS Wealth Manager
SAVVY SOCIAL SECURITY FOR WOMEN
At this workshop you will learn: • How much Social Security you stand to receive over your lifetime • How the decisions you make in your 60s can determine the amount of income you’ll have in your 80s • How to take advantage of spousal benefits, survivor benefits, divorced spouse benefits, and even divorced-spouse survivor benefits • How to coordinate your own retirement benefit with benefits you might receive as a spouse or divorced spouse • Why you should consider your husband’s life expectancy when deciding when to claim your own retirement benefit • What to do if your husband or ex-husband dies • What to do if your marital status changes • How to plan for the extra-long life
Day & Time: Thurs. - 6:00 p.m. - 7:00 p.m.
Date: 3/20 OR 5/15
No. of Classes: 1
Fee: $5
Room: L6 - High School
Instructor: Brett Komm, CSSCS Wealth Manager
SAVVY IRA PLANNING
To help attendees better understand IRA planning, this workshop will cover:
• Seven strategies for Savvy IRA planning • Six rollover options for your retirement plan funds • Three common required minimum distribution mistakes • The difference between indirect and direct rollovers • How to coordinate your IRA planning with your overall retirement, estate, tax, education, Social Security, and financial strategies • Three different options for spousal IRA beneficiaries.
Day & Time: Tues.– 6:00 p.m. - 7:00 p.m.
Dates: 4/16 OR 6/4
No. of classes: 1
Fee: $5/couple
Room: High School - L6
Instructor: Brett Komm, Wealth Manager, CSSCS
PROTECT YOUR HOME, MONEY & RETIREMENT FROM MEDICAID & NURSING HOME RISK
At the end of this educational class, you will have the ability to set up a plan to avoid or reduce probate, taxes, Medicaid & Nursing Home Risk, avoiding impoverishing your spouse and aff ecting your children and grandchildren’s fi nancial future. Continuously educate yourself about Medicaid risk avoidance. The more you understand, the better equipped you’ll be to make informed decisions.
Key Protection Points of this Medicaid Risk Avoidance Educational Class:
Learning the secrets to Protect and avoid Medicaid & Nursing Home Risk on your Home, Retirement and Lifestyle
Using Generational Planning System to avoid Medicaid ,Probate, Taxes and keep more money in your Estate.
Protect your home to Medicaid &Nursing Home Risk
Mitigating the Longevity Risk on your Money, Home, Retirement& Lifestyle
It’s crucial to start planning as early as possible to make the most of the time and resources available. This will help secure your money, retirement and home and providing for your family while addressing the potential of Medicaid Risk and Nursing Home Costs
Pre Planning: Properly structuring your money, retirement and home in advance of a Medicaid event to help you ensure that you don’t have to spend down all your resources to qualify for Medicaid.
Day & Time: Tues. 6:00 p.m. - 8:00 p.m.
Dates: 4/30
No. of classes: 1
Fee: $5/couple
Room: L6 - High School
Instructors: Lester Robinson, CLTC
BEGINNING MEDICARE - YOUR 64 1/2 BIRTHDAY
When you turn 65, you become eligible for Medicare - which means the time is now to make a plan! This is an educational seminar where you will learn about enrollment periods, Original Medicare, understand Supplements, Prescription Plnas and Medicare Advantage. You will receive a free educational guide and review tools and resources to help you understand the coverage that may be right for you. This is particularly beneficial for those just getting started with Medicare, leaving an employer or individual plan and needing to enroll in Part B through Social Security. It may be helpful to bring your list of prescriptions and physicians. This event is only for educational purposes and no plan specific benefits or details will be shared.
Day & Time: Thurs. 6:00 p.m. - 7:30 p.m.
Date: 2/15 - In Person
OR
Day & Time: Wed. 6:00 p.m. - 7:30 p.m.
Date: 5/16 - In person
No. of Classes: 1
Fee: $5/couple
Room: High School - L6
Instructor: Kathleen M. Flynn, CLTC, MBA
TAX DIVERSIFYING YOUR INCOME IN RETIREMENT
Retirement isn’t what it used to be—especially with people living longer and spending more of their lives as retirees. With fewer companies offering pensions, and Social Security facing an uncertain future, the way we fund our retirement is changing, too. And tax rates? While they may be at historic lows now, there’s no telling where they’ll be in the future and how they’ll impact your retirement income. So, how can you keep more of the savings you’ve worked a lifetime to enjoy? This seminar will cover: • Why you should tax diversify your retirement portfolio • Where your retirement income may come from • What impact taxes can have on your retirement lifestyle • How nontraditional options can supplement your retirement income.
Day & Time: Thurs. 6:00 p.m. - 7:30 p.m.
Date: 2/29 - In Person
No. of Classes: 1
Fee: $5/couple
Room: High School - L6
Instructor: Kathleen M. Flynn, CLTC, MBA
THE ART OF PLANNING FOR LONG TERM CARE
The right long-term care plan can help safeguard your family, your savings, your retirement–and your peace of mind. During this session we will explain in plain, easy-to-understand language the latest information about long-term care, including: • What’s covered and not covered by government programs • How much long-term care services cost in our area • Where long-term care is being delivered (it’s probably not where you think), and much more! By the end of this session you’ll have a personalized long-term care plan, and you’ll have gained valuable knowledge that can help you prepare for the future.
Day & Time: Wed. 6:00 p.m. - 7:30 p.m.
Date: 3/14 - In Person
No. of Classes: 1
Fee: $5/couple
Room: High School - L6
Instructor: Kathleen M. Flynn, CLTC, MBA
ESTATE PLANNING 101
During this workshop, we’ll discuss basic fundamentals of estate planning. Topics covered include: Common estate planning terms and definitions, essential estate planning documents, tips to avoiding probate, estate and gift taxation and much more.
Day & Time: Thurs. 6:00 – 7:30 p.m.
Date: 5/9 - In Person
No. of Classes: 1
Fee: $5/couple
Room: High School - L6
Instructor: Kathleen M. Flynn, CLTC, MBA