Federal employees have access to a valuable package of benefits. This course will help you better understand the rules so that you can make the best decisions for holistic retirement planning, through open discussions involving CSRS/FERS pension, Thrift Savings Plan and commentary on Social Security and Medicare for Federal Employees. Worksheets will be provided, and this class is taught by an advisor who holds the designation of a chartered Federal Employee Benefits Consultant (ChFEBC).

We live in an incredibly fast changing time! This is a contemporary class to help you be ready to make responsible financial decision in retirement. We will discuss the current economic and investment outlook. We will discuss taxation in retirement, recent tax legislation, and tools you can use for tax planning. The capstone of the course is discussing the user friendly ways to understand your investment statements and design an asset allocation which fits your retirement goals. Class is co-instructed by a certified financial planner specializing in retirement income planning and a CPA - so bring your questions!

How much income will your savings and assets safely produce in retirement? How do you optimize the essential financial elements to maximize your retirement income? Learn how to leverage advanced retirement planning software to help structure a secure comprehensive retirement income plan. The course covers how to optimize the essential planning elements, including investments, social security, taxes, fees, and budgeting. The course dives into the history of retirement income scenarios and compares relevant indicators to analyze the current economic environment for retirees. The results from the analysis will help set the stage for prudent planning strategies.

Learn how to protect and preserve assets from the costs of long-term care. This course is not only for seniors, but family members of seniors who may be called upon to deal with these issues. You will learn about how to qualify for helpful governmental programs, leverage Medicaid to protect your own assets, and the steps you should be taking now before the crises hits. These concepts will be covered: long-term care insurance, the essential estate planning documents, and health insurance under the Health Care Reform Act. **( This course has been updated to include information on recent legislation "Secure Act of 2019" which includes substantial changes in IRA rules moving forward. ) The course is co-instructed by an Elder Law Attorney and a Certified Financial Planner. Senior adult and disabled retiree tuition waivers apply.

Legacy Planning brings the human element into estate planning. What if you did not return home today? Would your loved ones have a process to follow, or would their world be engulfed in chaos? This course takes you beyond estate documents, discussing how you can convert chaos to clarity and closure. Legacy Planning follows a logical progression, and each participant will be given a workbook - the Family Love Letter - to help implement a loving Legacy Plan.

How does your money grow? How does the market work? Would you like to learn about ways to generate more income, reduce taxes, or protect your assets from inflation? Learn the four most common mistakes that people make and ways to avoid them. Emphasis is on real-life examples of success with tax free bonds, stocks, and mutual funds. Recent changes in the tax law will be covered. Senior adult and disabled retiree tuition waivers apply.

In this course we will discuss the primary questions of cryptocurrency and investing. What is crypto and how did it come to be? In this introduction course we will take a simplified look at digital currencies like Bitcoin to help explain what cryptocurrency is, how it works, and its implications.

One of the wisest things anyone can do to prepare for their financial future is learn about long term care services long before they are needed. Knowing and understanding the choices puts you in a better position to make wise decisions and avoid stress when care is needed. Learn how to protect your family, start a retirement nest egg, and avoid a stressful lifestyle.

When you turn 65, the federal government gives you a birthday present: Entree into the brave new world of Medicare. This course will address Medicare basics and help you navigate around potentially costly traps. We will also discuss how to shop for the private insurance you need to supplement Medicare.

This class is necessary and timely for every person facing the future challenge of applying for Social Security benefits. There will be a review of Social Security benefits. There will be a review of Social Security basics, the health of the Trust Fund noting the pandemic, benefit planning strategies and how benefit timing impacts retirement decisions, and specifically on when and how to file to maximize benefits. Worksheets will be provided to attendees.

Social Security is one of the few income sources that keeps up with inflation and last for a life, and most women fail to maximize their benefits because they don't understand the little known rules and claiming strategies that may help them get more out of the system. This session will also cover essential information on the health of the Trust Fund noting the pandemic. Worksheets will be provided to the attendees.

Today, it is critical that you know how to save, invest, and plan for retirement. Financial planning is not a one-size-fits-all program. There are common themes and strategies that may increase personal success in achieving your financial dreams. This class will review frequent financial mistakes and provide refreshing clarity in planning for a successful retirement in an organized and coordinated way. Worksheets will be provided to attendees.

A little planning now may save your family a lot later! Learn the basics of what should be contained in your Last Will and Testament, what other legal documents are essential, and how trusts can play an important part in your estate plan. Concepts to be covered are what is probate and do you need to avoid it, latest laws on the federal estate tax, should the deed to your home be changed, and little known asset protection strategies. Senior adult and disabled retiree tuition waivers apply.