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 # 4252       Thursday               NHS

6:30-8:30 PM       Starts 5/4/17         3 Classes

Steve Jacques                                       Fee $29

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 # 4460       Thursday               NHS

6:30-8:30 PM       Starts 5/11/17      1 Class

Michael Alimo                                     Fee $29

USA Financial & Tax Services, LLC

 

TAKING CONTROL—FINANCIAL STRATEGIES FOR WOMEN

Taking Control Workshop focuses on personal finances from a woman’s perspective.  The educational presentation is designed to  help you strengthen your financial future and covers these important action items:  getting your financial house in order, preparing for the unexpected, putting your money to work by investing, building a healthy nest egg for retirement, facing financial hardship and addressing estate and legacy issues.  We will cover specific information for women who face divorce or widowhood, as well as many other concerns that could directly affect your finances, such as maintaining good credit and maximizing Social Security benefits.  Everyone who attends will receive a 20-page workbook filled with a wealth of information.  An optional complimentary consultation is offered to all workshop participants after the class.

 

Course # 4258       Tuesday                 NHS

6:30-8:30 PM       Starts 3/21/17      1 Class

Mary Jo Romano                                Fee $29

 

20 WAYS TO EARN RESIDUAL INCOME

Uncover over twenty specific ways to earn dependable, ongoing and reliable income from stocks, bonds, mutual funds, equity index annuities and insurance; taxes, retirement income and social security; your mortgage; self-publishing and on demand printing, residuals from showing appreciation, electricity and natural gas; network marketing; how to evaluate the merits of home-based business; beach money, and so much more!

 

Course # 4454       Thursday               NHS

6:00-9:00 PM       Starts 3/30/17      1 Class

Jim Farnham, MBA, MS                    Fee $39

 

THE PROS AND CONS OF ANNUITIES

Over the years, annuities have evolved and been created for growth, guaranteed income, tax deferral, capital preservation, legacy planning, estate planning and death benefit purposes.  This workshop will include discussion of many concepts such as:  fee’s associated with these types of investments, how annuities can be used to increase savings, protect what you’ve saved, or generate a stream of income, the difference between  deferred and immediate annuity, just to name a few. 

 

Course # 4357       Wednesday           NHS

6:30-8:30 PM       Starts 5/3/17         1 Class

Michael Alimo                                     Fee $29

USA Financial & Tax Services, LLC

 

LIFE INSURANCE RISK

Join us for an educational workshop as to the practical approach of understanding, evaluating and ultimately purchasing various forms of insurance.  Insurance is a term associated with risk management, wealth creation, wealth transfer and wealth preservation.  In this workshop you will understand and learn the value as to where and when various forms of insurance may be applicable in one’s life.  Learn about the various ratings that apply to insurance, how they are determined and how this effects the cost associated with it and what you can do to improve upon this.

 

Course # 4355       Wednesday           NHS

6:30-8:30 PM       Starts 5/17/17      1 Class

Michael Alimo                                     Fee $29

USA Financial & Tax Services, LLC

 

UNDERSTANDING MEDICAID Cancelled

Government funded Medicaid is a very complicated process to both navigate and successfully qualify for—spenddowns, asset preservation and family gifting are all major considerations.  This course will explain the complexities, layout the process, terminology and resources, as well as, answer many of your questions.  Remember, Medicaid and Medicare are separate and different programs.

 

Course # 6385       Wednesday           NHS

6:30-8:30 PM       Starts 4/19/17      1 Class

Curt Symes                                           Fee $29

 

HAVING THE CONVERSATION WITH YOUR ELDER OR LOVED ONE Cancelled

Are you facing family Aging and Eldercare challenges and/or dealing with Remote Caregiving and Life Planning issues?  Do you wonder where to find the guidance and resources necessary to address these sensitive matters, as well as, how to handle the family dynamics?  This course is specifically designed to address these situations and is based upon years of successful work, related to managing complex Aging and Elder issues.

 

Course #                Wednesday           NHS

6:30-8:30 PM       Cancelled

Curt Symes                                           Fee $29

 

END OF LIFE PLANNING AND FINAL WISHES

In the Elder Profession it is often said that the greatest gift that you can give or leave your family is to have your affairs in order.  But what does that really mean?  Most people do not naturally gravitate to either discussing or documenting their Final Plans and Wishes—Medical Decisions, Family Gifts, Funerals, Religious Service, Cremation, Burial, etc.  The default becomes potentially costly Probate and “Guess what he or she really wanted?”  This course will explain the options and provide guidance on decisions.

 

Course # 6382       Wednesday           NHS

6:30-8:30 PM       Starts 4/26/17      1 Class

Curt Symes                                           Fee $29

 THE IMPORTANCE OF WILLS AND LIFE PLANNING  DOCUMENTS

Have you heard the terms Living Will, Durable Power of Attorney (POA), Health Care Directive & Proxy, Revocable & Irrevocable Trusts, DNR and so on?  Do you know what they mean, how they are created and how important they are in today’s society?  If the answer is no, then this course is for you and your spouse or significant other.

 

Course # 6372      Wednesday           NHS

6:30-8:30 PM       Starts 3/22/17      1 Class

Curt Symes                                           Fee $29

 

ROADMAP TO MEDICARE

Are you or a family member planning for Medicare or approaching age 65 when you have to make some important decisions regarding Medicare and related Medical-Dental-Vision Insurance?  Do you have questions about what TV and Media advertising are talking about – Medicare Part A, B & D – Supplements & Advantage Plans, Red-White-Blue Books, etc. – lots of terminology and confusion.  There are answers and designated resources in our local community and regional area that can help.  This course will answer your questions and has been extended to two sessions to help guide you in what to do!

 

Course #4279       Tues/Thurs            NHS

6:30-8:30 PM       Starts  4/4/17        2 Classes

Curt Symes                                           Fee $29

 SIMPLIFIED ESTATE PLANNING FOR BOOMERS AND SENIORS

You don’t need to be a millionaire to think about Estate Planning.  Everyone has an estate and planning your estate preservation is critical to both you and your heirs.  This course will detail the steps to undertake in developing an asset profile and documenting the necessary components. 

 

Course # 6376       Monday           NHS

6:30-8:30 PM       Starts 5/15/17      1 Class

Curt Symes                                           Fee $29

 THE CONNECTICUT PARTNERSHIP FOR LONG-TERM CARE

The Partnership is a unique alliance between State government and the private insurance industry developed to provide individuals with a way to plan for their long-term care needs without the risk of impoverishment, and much more.  The instructor will address how Medicare, Medicaid, and health plans impact long term care, and will also include a detailed explanation of how the Connecticut Partnership for Long Term Care Insurance Program works.  The class will be taught by an employee of the State of Connecticut’s Office of Policy and Management.

Course # 6352       Wednesday           NHS

6:00-7:30 PM       Starts 3/29/17      1 Class

Aldo Pantano                                       Fee $14

 

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 # 4257       Tuesday                 NHS

6:30-8:00 PM       Starts 3/28/17      1 Class

Albert D’Agosto and                          Fee $29

Charles Yannich

Retirement & Money Strategies