District 196 Community Education

A relaxed and friendly open-forum seminar for participants with a seasoned Will & Trust attorney. Questions like: Should I avoid Probate? Is a Will good enough? Do I need a Trust? How does my plan deal with the nursing home? How do we gift the assets of husband and wife? What about separate assets not of the marriage? If I am alone, what tools protect me best? How do I decide who should serve in my estate plan? What is the death tax? How do I avoid leaving a mess for my children? Which Trust is best for my needs? Can I use a Transfer-On-Death Deed? How do my retirement assets operate in my Will or Trust? All questions will be answered!

Discover key concepts to help your blueprint be prepared for three important days. Learn how to protect your final wishes, build a financial foundation that will keep you moving forward when faced with setbacks and what you need to do today to keep your strategy on track to financial clarity to accomplish all your goals.

Ever considered becoming a landlord or investing in real estate but needed more information? Learn about opportunities in today’s Twin Cities marketplace, how to analyze a property, tax considerations, and things to put in a lease. Review all aspects of becoming a landlord from buying, selling and renting.

Explore alternatives to single-family living. From condos, townhomes, cooperatives, subsidized apartments, market-rate rentals and housing complexes that offer a continuum of care ranging from independent living to assisted living. Come with your questions to decide what will work best for you and what are your next steps?

If you are a Baby Boomer retirement is likely on your mind in some way shape or form. Identify areas of focus for those retired, about to retire or who still have a little to go before you cross that retirement finish line. All 3 scenarios are critical times in life to be making good decisions for your financial future. Pensions, Social Security, 401ks, IRAs, Roth IRAs, Annuities, Life Insurance and Long-Term Care…how does it all work together for the betterment of your retirement? Come to learn, ask questions, and walk away with a better understanding of what your next financial steps could be. Securities and Advisory Services offered through Harbour Investments, Inc Member FINRA & SIPC

The Social Security decisions spouses make when they are in their 60’s will determine the amount of total income they 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. • How much Social Security you and your spouse stand to receive over your joint lifetime • The number one most important thing all higher earning spouses should do • How to avoid mistakes at your Social Security office

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. Learn how to take advantage of spousal benefits, survivor benefits, divorced-spouse benefits, and even divorced-spouse survivor benefits and why women who are married should make the decision about when their husbands should apply for social security. This workshop is for women and the men who have women in their lives (wives, sisters, and mothers). It features essential information all women need to have if they are concerned about financial security in retirement

As an executor you will need to prepare the inventory for the filing of a probate. What is involved? How much court time is required? Who prepares the letters testamentary? What is involved in closing the probate and preparing the final accounting? Break down the process and receive answers to the common experiences associated with probate court. Also, what are the executor, trustee, power of attorney, conservator, and guardian roles. What are the responsibilities and liabilities of those who are granted these legal titles? Invaluable for those trying to decide who to appoint as well as for those who have been asked to take one of these legal roles.

Understand how different sources of retirement income are taxed so you can get more bang for your buck in retirement. Explore how the current tax system, Social Security rules and other factors interact to either cost or save you money. What is an effective marginal tax rate is and why it matters more than your tax bracket? Discover how the timing of withdrawals from different retirement income accounts impacts what you keep and what you pay in taxes.

Are you turning sixty-five and wondering about Medicare? Would you like to understand Medicare Part A & B as well as the difference between Medicare supplements and Advantage plans? What are your choices if you are working and have a group plan? Learn when you can enroll and where you can make some comparisons so you can select the right option for you. Presented via PowerPoint with take away handouts and reference guide. Class is generic and educational. Optional one on one meeting provided free of charge to attendees to discuss specific options and available plans if so desired

Compare trusts and wills and learn which is best for you. Learn what estate planning entails including property and how to avoid probate in case of disability or death. Understand the probate process and when it is and isn't necessary and why. Make informative estate planning decisions.

Everyone should have a health care directive and a power of attorney whether you are 18 or 80. Without these important documents, it can be difficult for your loved ones to get health care information, make health care decisions on your behalf or handle your financial affairs if you should become incapacitated. Gain valuable information and tools to organize your affairs. Receive instructions and professionally prepared forms, and have access to witnesses and a notary public. Must bring your driver’s license for identification. This class is a great supplement to the Writing your Own Will class. Sorry, no discounts apply.

Having a will is important for married couples, singles and divorced people. If you are without a will, the laws of Minnesota and a judge will make all the decisions regarding your estate. Don't let this happen. Learn about estates and wills, and prepare a legal will in class. Receive instructions and a professionally prepared form, have access to witnesses and a notary public. Prior to class, review the information forwarded to you. The will form is designed for individual use; couples cannot share this form (each person must register individually). Appropriate for people who have an estate of less than $2,000,000, including life insurance, and do not own a business. Sorry, no discounts apply.

Having a will is important for married couples, singles and divorced people. If you are without a will, the laws of Minnesota and a judge will make all the decisions regarding your estate. Don't let this happen. Learn about estates and wills, and prepare a legal will in class. Receive instructions and a professionally prepared form, have access to witnesses and a notary public. Prior to class, review the information forwarded to you. The will form is designed for individual use; couples cannot share this form (each person must register individually). Appropriate for people who have an estate of less than $2,000,000, including life insurance, and do not own a business. Sorry, no discounts apply.