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Everything You Want to Know about MedicareDollars & CentsAn educational presentation for anyone who wants to know more about Medicare. Topics will include Parts A, B, C, & D of Medicare, application process, costs, supplements, and when is the right time to sign up.Spring 2020
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Everything You Want to Know about MedicareDollars & CentsAn educational presentation for anyone who wants to know more about Medicare. Topics will include Parts A, B, C, & D of Medicare, application process, costs, supplements, and when is the right time to sign up.Winter 2020
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Medicare Made SimpleDollars & CentsFor people transitioning into Medicare, or for children of parents in or entering Medicare. Like so many systems, there are many moving parts to Medicare. We’ll answer your big questions in real time, like: How do I sign up for parts A & B? What is part D? Do I need a supplement? Can I get help with Medicare costs? Understanding now will prevent frustration later.Spring 2020
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Medicare Made SimpleDollars & CentsFor people transitioning into Medicare, or for children of parents in or entering Medicare. Like so many systems, there are many moving parts to Medicare. We’ll answer your big questions in real time, like: How do I sign up for parts A & B? What is part D? Do I need a supplement? Can I get help with Medicare costs? Understanding now will prevent frustration later.Winter 2020
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Ready or Not -- A System for Life's TransitionsDollars & CentsGive yourself and those you love the gift of peace of mind. Be ready for the inevitable transitions in your life by having all your important papers and financial information organized and accessible. Learn to use the “Ready or Not” system which helps you not only identify your assets and debts, but also basic needs such as medication, medical records, passwords and end of life requests. It will help you uncover any missing pieces in your overall life plan.The workbook will be available for purchase at the class for $20 by the instructor.Spring 2020
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Retirement: Making Your Money LastDollars & CentsHave you retired recently? Are you planning to retire soon? This presentation discusses ideas to help build a reasonable and sustainable strategy for managing income and expenses during retirement. We’ll explore how to address key concerns such as inflation, health care expenses and market volatility as well as ways to prepare in advance for things that may not go as expected. We’ll examine how to budget for retirement expenses and your potential sources of retirement income. We’ll also identify risks to your retirement income and ways to address them.Spring 2020
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Retirement: Making Your Money LastDollars & CentsHave you retired recently? Are you planning to retire soon? This presentation discusses ideas to help build a reasonable and sustainable strategy for managing income and expenses during retirement. We’ll explore how to address key concerns such as inflation, health care expenses and market volatility as well as ways to prepare in advance for things that may not go as expected. We’ll examine how to budget for retirement expenses and your potential sources of retirement income. We’ll also identify risks to your retirement income and ways to address them.Winter 2020
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Social Security Planning for Baby BoomersDollars & CentsSocial Security is far more complicated than most people realize. The decisions baby boomers make now can have a tremendous impact on the total amount of benefits they stand to receive over their lifetime. To help baby boomers better understand the Social Security system, this workshop will cover: 5 factors to consider when deciding when to apply for benefits, when it makes sense to delay benefits -- and when it does not, why you should always check your earnings record for accuracy, how to estimate your benefits, how to coordinate benefits with your spouse, how to minimize taxes on Social Security benefits, and how to coordinate Social Security with your other sources of retirement income.Spring 2020
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Social Security Planning for WomenDollars & CentsSocial Security is one of the few income sources that keeps up with inflation and lasts for life. But most women fail to maximize their benefits because they don’t understand the little-known rules that can help them get more out of the system. This workshop will cover: how much Social Security you stand to receive over your lifetime, how the decisions you make in your 60s can determine the amount of income you’ll have in your 80s, how to take advantage of spousal benefits, survivor benefits, divorced-spouse benefits, and even divorced-spouse survivor benefits, how to coordinate your own retirement benefit with benefits you might receive as a spouse or divorced spouse, why women who are married should make the decision about when their husbands should apply for Social Security, why you should consider your husband’s life expectancy when deciding when to claim your own retirement benefit, what to do if your husband or ex-husband dies, what to do if your marital status changes, how to plan for the extra-long life.Winter 2020
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Social Security Planning for WomenDollars & CentsInstructor: Rolf White Social Security is one of the few income sources that keeps up with inflation and lasts for life. But most women fail to maximize their benefits because they don’t understand the little-known rules that can help them get more out of the system. This workshop will cover: how much Social Security you stand to receive over your lifetime, how the decisions you make in your 60s can determine the amount of income you’ll have in your 80s, how to take advantage of spousal benefits, survivor benefits, divorced-spouse benefits, and even divorced-spouse survivor benefits, how to coordinate your own retirement benefit with benefits you might receive as a spouse or divorced spouse, why women who are married should make the decision about when their husbands should apply for Social Security, why you should consider your husband’s life expectancy when deciding when to claim your own retirement benefit, what to do if your husband or ex-husband dies, what to do if your marital status changes, how to plan for the extra-long life.Spring 2020
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Social Security for CouplesDollars & CentsThe Social Security decisions spouses make when they are in their 60s determine the amount of total income they will receive over their lifetime – including the lifetime of the spouse who lives the longest. This workshop will cover some little-known rules that can help married couples get more out of the Social Security system. This workshop is primarily for married couples as it discusses benefits available to spouses.Spring 2020
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Social Security for CouplesDollars & CentsThe Social Security decisions spouses make when they are in their 60s determine the amount of total income they will receive over their lifetime – including the lifetime of the spouse who lives the longest. This workshop will cover some little-known rules that can help married couples get more out of the Social Security system. This workshop is primarily for married couples as it discusses benefits available to spouses.Winter 2020
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Social Security: Your Questions AnsweredDollars & CentsFor people who are nearing retirement and have not started taking Social Security. Social Security likely will be the foundation of your retirement income. Before you retire, it’s important to understand your options regarding Social Security and the impact your decisions have on your retirement. We’ll discuss how Social Security fits into your retirement income plan, when you should start taking benefits, and tax considerations.Winter 2020
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Social Security: Your Questions AnsweredDollars & CentsFor people who are nearing retirement and have not started taking Social Security. Social Security likely will be the foundation of your retirement income. Before you retire, it’s important to understand your options regarding Social Security and the impact your decisions have on your retirement. We’ll discuss how Social Security fits into your retirement income plan, when you should start taking benefits, and tax considerations.Spring 2020
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Want to Retire Early... What about Healthcare?Dollars & CentsYou have options for cost-effective and efficient solutions for health coverage! Medical Cost Sharing (MCS)has been around for more than 30 years, and has evolved over time to become a viable option for many individuals and employers. Discuss traditional insurance, community medical cost sharing, federal programs, eligibility, and the costs of various plans available.Winter 2020
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Want to Retire Early... What about Healthcare?Dollars & CentsYou have options for cost-effective and efficient solutions for health coverage! Medical Cost Sharing (MCS)has been around for more than 30 years, and has evolved over time to become a viable option for many individuals and employers. Discuss traditional insurance, community medical cost sharing, federal programs, eligibility, and the costs of various plans available.Spring 2020
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Welcome to Adulthood -- Financial PlanningDollars & CentsYou’ve just gotten your first ‘grown up’ job--congratulations! Now what? Spend an hour learning what it means to use your money well now and plan for the future. We’ll talk about what your employer means when they talk about matching and sharing, what different savings options are out there, and how to make the most of it all.Spring 2020
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Welcome to Adulthood -- Financial PlanningDollars & CentsYou've just gotten your first 'grown up' job--congratulations! Now what? Spend an hour learning what it means to use your money well now and plan for the future. We'll talk about what your employer means when they talk about matching and sharing, what different savings options are out there, and how to make the most of it all.Winter 2020
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Writing your Own WillDollars & CentsHaving a will is important for married couples as well as single and divorced people. If you are without a will, Minnesota law and a judge will make the decisions regarding your estate. Don’t let this happen. During this class, not only will you learn about estate planning and wills, you’ll actually go through the process of preparing a will under the guidance and supervision of a trained and experienced professional. The legal forms will be provided--but only you can fill in the information, so make sure you have thought about how you’d like to divide your estate. During this class, you will also have access to witnesses and a notary public to make your will a legal document. Note--this class is for people who have an estate of less than $3,000,000 per person, including life insurance. This class is not appropriate for business owners, for people with more assets than mentioned, and people needing to make special distinctions for heirs with special needs. While couples are encouraged to attend, please register separately as each will is for a single person only. Teresa Beth Molinaro, graduate of Hamline University School of Law, is an estate planning and probate attorney at the law firm of Molinaro Davids Law PLLC. She has extensive experience advising clients regarding estate plans.Spring 2020
