Estate planning doesn’t have to feel intimidating or impersonal. In this practical class, you’ll learn how generational planning helps individuals share more than money your wishes, stories, and values—so the next generation has clarity and direction. You’ll see what happens when a legacy isn’t planned, how to plan for sudden incapacity, and how to successfully transfer both tangible and intangible wealth. You’ll leave with a simple six-step process and a clear next step you can take immediately. You don’t need to be wealthy to benefit; you need to be clear. Whether you’re 45 or 75, this framework helps you align paperwork, people, and purpose.

We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU, a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past three years.

At this workshop, you will learn: Why aren’t people planning for this critical retirement challenge? 9 reasons people have mistakenly overlooked LTC planning The emotional and financial risks people face when they don’t have a LTC plan Why long-term care is more than the popular image of a lonely person in a nursing home The dramatic misunderstanding most people have about who will need LTC Why Medicare or Medicaid probably isn’t going to pay for your long-term care Why, even if you qualified for LTC under Medicaid, you might not get the care you need The five settings for long-term care Myth: Medicare will pay for LTC. Find out why this probably isn’t true for you Why it’s understandable that people haven’t adopted a LTC plan in the past Why original LTC insurance didn’t always work out well for all involved How regulators have made key changes in LTC insurance over the last decades 9 flexible approaches people should consider when creating their own LTC plan 4 key ideas that explain why it makes sense to have a LTC plan

Aging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. We review these aspects so you can plan. Housing discussed: buying & renting, subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives, condo/townhouses. Explore alternatives to just single-family living. Come with your questions!

Are you and your spouse nearing retirement age? Learn how to get the most out of your Social Security benefits as a couple. Are you widowed or single? This class can help answer questions for you too!Topics include:How marriage impacts Social Security.Deciding when to claim.Coordinating with other income sources.Taxes and Social Security.Working while receiving benefits.Techniques that higher-earning couples can utilize.This class is essential for married couples, singles and widows wanting to ensure they receive their full share of the Social Security benefits they've earned.

As you get closer to age 65, you may feel bombarded with information about Medicare. Simplify that information and learn the basics of Medicare. You will get an overview for Medicare coverage and explanations of Part A, B, C and D. You'll also learn about how and when to apply and how to avoid penalties. There will be plenty of time for questions. All ages are welcome to attend. Melody Manthey is a licensed insurance representative.

Estate planning doesn’t have to feel intimidating or impersonal. In this practical class, you’ll learn how generational planning helps individuals share more than money—your wishes, stories, and values—so the next generation has clarity and direction. You’ll see what happens when alegacy isn’t planned, how to plan for sudden incapacity, and how to successfully transfer both tangible and intangible wealth. You’ll leave with a simple six-step process, and a clear next step you can take immediately. You don’t need to be wealthy to benefit; you need to be clear. Whether you’re 45 or 75, this framework helps you align paperwork, people, and purpose.

In retirement, your tax rate may vary widely over the years based on the timing and order. Learn about the following: The critical tax question you must answer BEFORE retirement, What the Social Security “tax trap” is and how you can avoid it, Why tapping assets in the wrong order can trigger higher Medicare premiums, The four stages of retirement and important tax actions in each stage, and Mistakes to avoid when it comes to your investment portfolio, health care, and estate.

Join us to explore the Ins and Outs of Medicare! Participants are encouraged to engage with the presenters/licensed health agents. We will discuss its history, the differences between Medicare vs Medicaid, eligibility, the different parts, how doctors and hospitals work with Medicare, what a Medicare supplement and part D plan are, how it works if you retire early and many rules associated with choosing a Medicare plan that’s right for you!