Forest Lake Area Schools Community Education

Do you know how to maximize your Social Security benefits? We’ll explore claiming rules and strategies for couples, divorcees and widowed surviving spouses to show you how to get the most out of your Social Security benefit. We will discuss the important role Social Security plays in your overall retirement planning, ways to maximize your benefits and how to avoid becoming a victim of the "widow trap". You should attend if you’re within 10 years of retirement. The instructor, Charles Taylor, is the owner of Four Points Advisory LLC. Investment and Advisory services offered through World Equity Group Inc., member of FINRA/SIPC.

Do I need a will? What’s a trust? We will walk through these questions, some common myths and other elder law and estate planning topics such as probate, powers of attorney and health care directives in an informal discussion setting. Questions are welcome.

Preparing your Will is an important step in providing for the ones you love. Learn the various techniques for property distribution of your estate. Explore basic estate planning concepts and assess your need for your estate plan. You will receive sample forms and language to use while you draft your own Will. We will also cover circumstances that may require a review/revision of your Will and a brief review of the benefits of a trust. You will be able to sign the Will you created on the second night of class.

Whether you are approaching retirement or in retirement, the risk remains the same. You need to have a strategy to manage your assets in volatile markets. This workshop will provide five keys to building a retirement plan that will give you confidence to face the daily swings in the market.

Plan now for the unexpected with these two legal documents! You will learn about the use and benefits of the Financial Power of Attorney and Health Care Directive. We will discuss the agent’s responsibilities and factors to consider in selecting your agents. You will leave the class with completed forms.

As you approach retirement, now is the time to determine how you'll support yourself. Find out how you can optimize Social Security and know how much you can expect to receive from other income sources.