Finance, Investments & Retirement   

Do you understand the difference between an exchange-traded fund and a mutual fund? How about a municipal bond or how annuities work? Investing doesn’t have to be complicated. With so many options, research, and analysis available to today’s investors, making good decisions can seem overwhelming. Gain a working glossary to understand the world of investing. Learn a basic structure to assist in deductive decisions, and a fundamental framework to discuss the global marketplace. There will be time to learn about some of the pitfalls in financial planning and shared tips and insights on working with attorneys, accountants and advisors.

In March of 2022 the United States Federal Reserve began to raise interest rates for the first time since the 2008 Great Recession. Fourteen years of low interest rates and a rising stock markets rewarded stock investors and made bonds boring. Everything has changed. The stock market is down, interest rates are up, and several factors have allowed inflation to increase. Come learn how all these impacts investors and hear ideas on how you might want to position on your assets for the new normal.

Learn what you need to know about social security and retirement. We will discuss how your social security is calculated, the taxation of benefits, and ways to calculate when to take benefits. This class will help you understand the risks you face in retirement and help you create a strategy to mitigate those risks. Over 70% of Americans receiving social security today depend on it for half of their income. Planning for retirement can be complicated and knowing when to take your social security benefit can be one of the most important decisions in retirement. Come join us to learn ways to maximize your social security benefits and retirement income. 

$55 single/$20 for 2nd family member.

 

Do you understand how annuities and life insurance work? You’re not the only one. The complexity of these instruments can be staggering. Gain a basic understanding of different types of annuities and life insurance, when they should be used, when they should not and some of the pitfalls to avoid.

 

Charitable Remainder Uniform Trust and Charitable Remainder Annuity Trust can provide a substantial tax benefit and a significant win-win-win for everyone involved. This class will look at the basic structure of the Charitable Remainder Trust, frequently encountered issues in drafting and trust administration, and financial planning opportunities. We will examine the mechanics of charitable remainder annuity trust (CRAT) and the charitable remainder unitrust (CRUT), and the significant tax benefits of capital gains, estate tax, and income tax. This course will identify situations in which a charitable remainder trust is or is not an appropriate planning vehicle, explain how to structure the trust to meet an individual’s planning objectives, and identify situations in where a charitable trust might be appropriate.