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.

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.

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.