Planning For the Future -Aging and Financial Planning

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 #         4461    Thursday         NHS

6:30-8:30 PM  Starts 3/15/18  3 Classes

Steve Jacques                                    Fee $39

Voya Financial Advisers Inc.

 

 

TAX FREE IN RETIREMENT

Many Americans assume that their taxes in retirement will stay the same or go down.  Unfortunately for most this may not be the case.  Historical federal tax rates have been as high as 91% in the 50’s, 70% in the 70’s and 50% in the 80’s.  Upon retirement social security may be taxable as high as 85% to the recipient and required minimum distributions from retirement accounts also can create substantial taxable income.  Include pensions, rental property income, capital gains, dividend and interest income and you can see the picture is somewhat unclear on future taxes.  Join us to learn about strategies that can help you get closer to a tax free retirement.

 

Course #         4160    Monday                       NHS

6:30-8:00 PM  Starts 3/19/18  1 Class

Michael Alimo                         Fee $29

USA Financial & Tax Services, LLC

 

SOCIAL SECURITY CHANGES IN RETIREMENT

This is a great opportunity to learn KEY CONCEPTS you need to know before applying for Social Security.  Depending on your age, Social Security filing strategies may boost lifetime benefits and increase retirement income by tens of thousands.  Always consider Social Security payout as a component of your retirement plan.  We will inform you about:  January 1, 2017 Social Security regulation changes impacting  the filing timing options available to you; How Social Security benefits are calculated and the advanced planning required to increase them; Why married couples, divorced and widowed individuals can miss out on significant lifetime sums; How Social Security sums may be integrated into a retirement analysis projecting future monthly income; The “three legged stool” approach to retirement planning and how to support your needs in the future; What is your money earmarked for?  Income, growth, preservation, legacy?; Will I outlive my money in retirement?  How can I avoid this? 

 

Course #         4457    Thursday         NHS

6:30-8:00 PM  Starts 3/22/18  1 Class

Michael Alimo                         Fee $29

USA Financial & Tax Services, LLC

 

 SOCIAL SECURITY PLANNING—DO YOU KNOW WHICH STRATEGY IS BEST FOR YOU?

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 #         6221    Tuesday                      NHS

6:30-8:00 PM  Starts 3/27/18  1 Class

Albert D’Agosto and                Fee $29

Charles Yannich

Retirement & Money Strategies

 

WHAT’S HAPPENING IN NEWTOWN FOR BOOMERS, SENIORS & FAMILY MEMBERS

Wonder what’s new and of interest in Newtown specifically for Boomers, Seniors and their Family members?  Come to this free, one-hour, sponsored by Newtown Continuing Education, to hear about Newtown’s 2018 Livable Community Initiative, the New Senior Center Planning and other topics of interest to the Senior Community. 

 

Session I

Course # 6390            Wednesday     NHS

5:00-6:00 PM  Starts 3/14/18  1 Class

Curt Symes                             No Fee

 

Session II

Course #         6391    Wednesday     NHS

5:00-6:00 PM  Starts 4/11/18  1 Class

Curt Symes                             No Fee

 

Session III

Course # 6392            Starts 5/9/18    NHS

5:00-6:00 PM                          1 Class

Curt Symes                             No Fee

 

 

CONFUSED ABOUT MEDICAID?

There is much discussion today about Medicaid—level of funding, changes and qualification.  Government and stat funded Medicaid is a very complicated process—spenddowns, asset preservation and family gifting are all major considerations.  This course will simplify the complexities, layout the process, terminology and resources, and answer many of your questions.  Remember, Medicaid and Medicare are separate but potentially related programs depending on individual situations. 

 

Course #         6385    Wednesday     NHS

6:30-8:30 PM  Starts 5/9/18    1 Class

Curt Symes                             Fee $29

 THE HOW-TOS OF ESTATE PLANNING & THE RELEVANT 26 DOCUMENTS

An Estate Plan is the greatest gift you can give a family member or loved one. You do not need to be a Millionaire to think about Estate Planning, rather consider the confusion having an Estate Plan will eliminate for  your family and heirs.  This course will take you through a comprehensive plan and the steps that need to be taken in developing an Asset Profile and the related documents. 

 

Course #         6354    Wednesday     NHS

6:30-8:30 PM  Starts 3/14/18  1 Class

Curt Symes                             Fee $29

 

THE VALUE OF FAMILY LIFE PLANNING—WILLS, TRUSTS, POWERS OF ATTORNEY,HEALTHCARE DIRECTIVES, LONG-TERM CARE INSURANCE, ETC.

 

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, PO
A, Proxy, Trustees, etc?  If the answer is no, then this class is for you and your spouse of significant other.  This is a how-to class with references, samples, examples and rel-life experiences. 

 

Course # 6372            Wednesday     NHS

6:30-8:30 PM  Starts 3/21/18  1 Class

Curt Symes                             Fee $29

 

 THE HOW-TOS OF MEDICARE

This is now an expanded class with two sessions and includes more Medicare plan analysis and discussion along with guest speaker.  It is designed for people approaching age 65 who have questions regarding Medicare and related Medical, Dental, Vision and Long term Care Insurance?  It addresses the TV and media advertising, home mailers, etc. talking about—Medicare Part A, B & D—Supplements/Medigap and Advantage Plans, Red-White-Blue Books, etc. 

 

Course #6208 Tues/Thurs      NHS

6:30-8:30 PM  4/10 & 4/12      2 Classes

Curt Symes                             Fee $54

 

CARING FOR OTHERS AND YOURSELF

Come join us for information and discussions regarding the general issues of aging for those you might be caring for and yourself.  This information will involve what to expect when caring for others especially the physical, emotional and spiritual.  We will also explore how to care for yourself.

 

Course #         6473    Thursday         NHS

6:30-8:30 PM  Starts 5/3/18    4 Classes

Carolyn Legg                          Fee $99