Forest Lake Area Schools Community Education

You work your whole career with the goal of retiring someday. Plans change throughout preparing to retire and during retirement years. We’ll cover estate planning, Social Security, financial products and services available such as annuities and life insurance and what to look for in a financial professional - Financial Advisor, CFP, RIA, Fiduciary.

Planning for Medicare is intimidating. If you or a family member is nearing the age of 65, attend this course to learn the basics of what Medicare is, how it works, how to avoid penalties and what you need to know to prepare yourself for this process. 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.

It's critical to have a solid understanding of the tax status of investments to make informed decisions and avoid paying more than the fair share. Learn how future tax changes may create the potential for higher taxes, ways to create tax-free retirement income, how Social Security is taxed and how to work efficiently within current tax brackets.

There are ten people we should be prepared to count on as we age. Learn the answers to: What are the roles and responsibilities of these people? How long do they serve and how much of a time commitment are we asking? How much guidance can we give them? Who makes an ideal selection for each of these vastly different roles? What pitfalls and problems should we be aware of? These jobs include: Attorney-In-Fact, Health Care Agent, Estate Executor, Trustee, Guardian and more.

Do I need a will? What’s a trust? What is probate and why do people say to avoid it? With extensive estate planning experience, Julia 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 welcome.

Preparing your will is an important step in providing for the ones you love. Week 1 ~ 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. It will be necessary for participants to type or hand write their own document. The instructor will also cover circumstances that may require a review/revision of your will and a brief review of the benefits of a trust. Week 2 ~ During this 30-minute session, you will sign the will you created. The language in your will will not be reviewed by an attorney and legal advice will not be given.

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. The instructor will discuss the agent’s responsibilities and factors in selecting your agents. You will leave the class with completed forms.

Planning for Medicare is intimidating. If you or a family member is nearing the age of 65, attend this course to learn the basics of what Medicare is, how it works, how to avoid penalties and what you need to know to prepare yourself for this process. 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 you know what steps to take so you can retire? We can help. Join us for insights to help you achieve your retirement goals! We will answer the following questions: Will I have enough to retire? Will my retirement income last? Are my assets protected? No products will be sold. You will be provided with a Zoom link prior to the virtual class.

Maximize your Social Security benefits. We’ll explore claiming rules and strategies for couples, divorcees and surviving spouses on how to get the most out of your Social Security benefit. We will discuss the important role Social Security plays in retirement planning and how to avoid becoming a victim of the "widow trap". You should attend if you’re within a few 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.

Social Security is a vital income source for many retirees, but it can be a confusing topic. Making the most of your Social Security can have a lot to do with correct timing. We’ll cover when you should apply, how to maximize your benefits and how it may affect your spouse. Get answers to your questions and learn what Social Security can mean for you. No products will be sold.

The trust is a very popular component used in Estate Planning. However, there are a variety of different Trust options and the question arises: “Am I using the right Trust for my needs and goals?” Often used Trusts include: Living Trusts, Testamentary Trusts and Irrevocable Trusts; each serves a different purpose, each has a different result. We will clearly define the strengths and weaknesses of different types of Trusts and when to use them.

Baby boomers worry about how to pay for the nursing home and still leave an inheritance for the next generation. How will I meet my nursing home goals? Is Long Term Care Insurance for me? What about home healthcare? Should I gift my money away? Would I qualify for Medicaid? What about my current Trust, does it protect my assets and avoid the nursing home? What is the 60-month claw back? What if my spouse goes into the nursing home and exhausts our money? Get the answers to these questions and learn how to create an effective plan.