BUSINESS AND INVESTING
BABYBOOMERS NEW
This informational seminar is for the “babyboomer” generation. Over the next several years babyboomers will be exiting the workforce and enjoying a long and fruitful retirement. This course will discuss the financial transition that will face this generation. Retirement income that was accumulated over the working years will now be distributed over the course of retirement which can expand 30 years in some cases. With inflation and tax laws it is important to know your options. Topics that will be discussed (but not limited to) are: rolling over your 401k plan into something YOU can control, asset distribution management, required minimum distributions (RMDs), Individual Retirement Accounts (IRAs). This course is strictly confidential and there will be no solicitation of a specific investment. You can email the instructor at fguiffre@hallidayfinancial.com with questions or for more information.
Building: HS West Room 10
Instructor: Frank Guiffre,Advisor-Halliday Financial Grp
Date: Tuesday March 19
Time: 6:00-8:00pm
Length: 1 night
Fee: $12
INVESTMENT PORTFOLIO ANALYSIS AND ALLOCATION
As most people get closer to the age of retirement there are many questions and concerns that arise from a portfolio standpoint. Which investment is right for me? Am I too conservative or not aggressive enough? Is my money working hard for me? Most importantly, how are my current investments performing and am I on the right track to meet my long-term goals? These questions are just a few of the many that are vital in reaching your short, mid or long-term goals. Whether it be retirement, college planning, estate planning or even major purchase goals, being on the right track is the most important thing. Topics to be discussed are: proper asset allocation, risk tolerance, consolidation of investments, budget plans and time horizon for goals. This course will offer guidance in choosing the right path for your personal goals and will offer free consultations and portfolio analysis for all who attend.
Building: HS West Room 10
Instructor: Frank Guiffre, Financial Advisor, Halliday Financial Group
Date: Monday March 31
Time: 6:00-8:00pm
Length: 1 night
Fee: $12
LONG-TERM CARE FROM A HEALTH CARE PERSPECTIVE
This long-term health care system is very complex and most people don’t understand just how much they don’t know. The instructor draws on her years of experience as a hospital discharge planner doing nursing home placement, to educate participants on becoming knowledgeable consumers regarding their own long-term health care needs. Topics to be discussed include an explanation of Medicare and Medicare supplement insurance and the services covered, long-term care insurance and why many people buy more than they actually need and a list of criteria to use when evaluating a plan. Learn how the nursing home reimbursement system works, the criteria for admission, how home health care needs and services are determined, how these services are paid for and trends in the home health care delivery system affecting the availability of quality help. It is important to find out now what it is really like to be a patient in the long-term health care system and what steps you can take to ensure your financial and personal independence.
Building: HS West Room 8
Instructor: Eileen Dunn, Health Care Consultant
Date: Wednesday March 19
Time: 6:30-8:30pm
Length: 1 night
Fee: $12
THE “NEW” NEW YORK STATE PARTNERSHIP FOR LONG-TERM CARE
The class will explain the new program initiatives by New York State to help people retain their assets when they require long-term care at home, assisted living or in a nursing home. We will discuss the changes in the Partnership and the new “dollar-for-dollar” plans now available. The Deficit Reduction Act will be discussed in detail as well as the National Partnership initiatives.
Participants will discover if the Partnership is appropriate for them, learn what language they need to see in a policy to get maximum benefits and a list of criteria to use when evaluating a long-term care advisor. Also discussed is the claims process of long-term care insurance from experienced care managers in the long-term care industry. The instructor, Eileen Dunn, of Trinity ElderCare Consulting & Management, LLC, is a national speaker and presenter on long-term care.
Building: HS West Room 8
Instructor: Eileen Dunn, Health Care Consultant
Date: Monday April 7
Time: 6:30-8:30pm
Length: 1 night
Fee: $12
THE SOCIAL SECURITY DILEMMA
Social Security is one of the most confusing aspects of retiring. When should you take it-62, 63, 64, 65, 66 or later? This is one of the most important decisions you need to make because the decision is irrevocable. Once you make it, youcan’t change your mind. How much can you expect? Do you know that your Social Security benefits can be reduced and taxed? In this 90 minute town hall style workshop Bill Losey, CFP will show you what you need to consider before making decisions about your Social Security. You will learn how to calculate your NRA (Normal Retirement Age) and how this affects your monthly check. Bill will also show you some Social Security maximization strategies for couples. Bill Losey, CFP is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional. He also publishes Retirement Intelligence, a free weekly award-winning newsletter. Bill owns and operates Bill Losey Retirement Solutions, LLC, an independent registered investment advisory firm in Wilton. He can be reached at www.MyRetirementSuccess.com.
Building: HS West Room 68
Instructor: Bill Losey, CFP & Sr. Advisor-Bill Losey Retirement Solutions, LLC
Date: Thursday March 20
Time: 6:30-8:00pm
Length: 1 night
Fee: $12
THE 10 BIGGEST MISTAKES PEOPLE MAKE WHEN RETIRING
& HOW TO AVOID THEM
You only get one shot at retirement. This is not a drill! Don’t let luck and guesswork form the foundation of your financial security. At this town hall style workshop, you’ll learn the common mistakes people make when retiring and more importantly, how to avoid them. Come armed with your questions and concerns and walk away with straight answers and sound advice. Bill Losey, CFP is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional. He also publishes Retirement Intelligence, a free weekly award-winning newsletter. Bill owns and operates Bill Losey Retirement Solutions, LLC, an independent registered investment advisory firm in Wilton. He can be reached at www.MyRetirementSuccess.com.
Building: HS West Room 8
Instructor: Bill Losey, CFP & Sr. Advisor-Bill Losey Retirement Solutions, LLC
Date: Wednesday April 23
Time: 6:30-8:00pm
Length: 1 night
Fee: $12
HOW TO OWN YOUR PAYCHECK AGAIN
Learn how to get completely out of debt-including your mortgage-in less than 10 years! The more debts you have the BETTER! This is not a misprint! If you can pay all your debts and bills on time now this will work for you! And yes, the more debt you have-the better! There is no magic here. You don’t need to cut out all your fun or cancel your vacations. So, come and learn a BETTER way to pay your debts using the money you already have. If you have questions please feel free to contact the instructor, Leo Quinn at 885-7355 or email him at Leo@LeoQuinn.com. There will be a $20 materials fee collected in class to cover the cost of the hand outs
Building: Koda Room 703
Instructor: Leo Quinn
Date: Monday April 7
Time: 7:00-9:00pm
Length: 1 night
Fee: $12
PROTECT YOUR ESTATE!
Learn the 2 greatest risks to your assets and why so many families are not properly protected, even when they are through with the lawyer. Learn the key features of trusts and wills and how to avoid probate-easily and cheaply. Learn how to confront the recent changes to Medicaid and long term care insurance that have dramatically changed and how to deal with potentially huge long term care expenses. Learn 12 simple steps you can take to avoid the blunders that cause nightmares and wasted $$$. Learn the techniques refined over 20 years by a trust officer and nationally recognized financial planner to protect against nursing homes, taxes and pointless legal fees.
Building: Koda Room 701
Instructor: David Vigoda-CFA, CFP
Date: Tuesdays March 25 & April 1
Time: 7:00-9:00pm
Length: 2 weeks
Fee: $15
HOME BUYERS WORKSHOP
Buying a Home? Buy Smart! Avoid the pitfalls of buying a home. Meet a Real Estate Attorney and Loan Officer. Learn about mortgages and closing costs. Discuss inspections. Talk with a realtor and find out what’s hot and what’s not!
Instructor: Carol North, Pamela Barnes
Date: Wednesday March 19
Time: 7:00-9:00pm
Length: 1 night
Fee: $10
SELLING YOUR HOME
If you want to save thousands of dollars in commissions by selling your property without a realtor, this course is for you! Learn the complete step-by-step process of selling your home yourself including: (1) preparing your home for the market, (2) advertising and marketing, (3) qualifying your buyer, (4) seller’s and buyer’s responsibility and expenses, and (5) contract negotiations. Class discussions and handouts help you move from “For Sale” to “Sold”! This course is a must if you want to save thousands of dollars in commissions.
Instructor: Carol North
Date: Thursdays April 3 & 10
Time: 7:00-9:00pm
Length: 2 weeks
Fee: $15