Are you eligible for Medicare or will be shortly? Are you married to someone who will be? Are your parents approaching that age? How do you sign up for Medicare? Do you need to sign up? What if you don't sign up? What are the penalties if you don't? What if you are covered by another insurance plan? What is covered by each part of Medicare? What is Medicare Part C - I have never heard of that? Why do I need to pick a Medicare Part D plan? What is a prescription drug plan anyway? What is the difference between a Supplemental plan and a Medigap plan? Do I need them both? Why should I have long term care insurance if I have Medicare? Doesn't Medicaid pay for that anyway? This class is designed to provide for a brief overview of these topics and help clear up some myths about insurance when we reach age 65.

Decisions on when to begin your Social Security benefits can have a tremendous impact on the total benefits you receive over your lifetime. Come and learn from two Certified Financial Planner practitioners: How much you can expect to receive; how to coordinate spousal benefits; and how to minimize taxes on Social Security. What are the 5 factors to consider when deciding when to apply? We'll also cover when it makes sense to delay benefits and how to coordinate Social Security with your other retirement income. Come and learn what Baby Boomers need to know to maximize retirement income.

If you're turning 70 soon, this seminar is for you! Designed for those approaching that magic IRS age or just if you want to understand how annual Required Minimum Distributions (RMDs) work. We'll cover how they are calculated and how to determine when you must begin taking funds from your tax-deferred retirement savings. We'll discuss when it may save taxes to withdraw funds early and when it may make sense to delay withdrawals. We'll consider taxation of Social Security; how Qualified Charitable Distributions (QCDs) work to save you taxes, and more - all in easy to understand language.

Are you eligible for Medicare, or will be shortly? You probably have the following questions: Will my drugs be covered? Do I need to get drug coverage? How do I sign up? What do you mean there could be a penalty? What if I am covered by another insurance plan? If I am taking no drugs, why do I need to pick a Part D plan? What does picking a Part D plan even mean? How do I do it? Do I need to select a different plan each year? What if I have used the same plan for several years? I hear about Open Enrollment, what does that mean? If you have had any of these questions, this class is for you.

When it comes to estate planning, far too many Americans are woefully unprepared. We've identified some of the biggest and most common estate planning mistakes. Come learn from a Certified Financial Planner practitioner the "Top Ten" most frequent estate planning errors and how to avoid or fix them. Don't leave yourself or your loved ones at risk to things going awry. Estate planning can be confusing. This short workshop will remove the mystery in easy to understand language and with worksheets to take home.

With retirement within sight, now's the time to figure out how to turn your savings and investments into a paycheck - so you can live comfortably and still achieve your goals. For many, the challenge is easier said than done and comes alongside fears of spending too much now and not having enough later, or the worry of denying yourself if you don't spend. In this class, we will discuss how to design your retirement income strategy to maximize income and minimize taxes.

Medicare Advantage Plans are new to Wyoming. What are they? What's the difference between a Medigap policy and Supplemental Medicare policy? What is the best time to buy a Medigap or a Supplemental Medicare policy? What does the alphabet have to do with a Medigap policy? Is a Medicare Advantage plan, or regular Medicare with a Supplemental plan, best for me? A portion of the class will be spent on long term care policies as well. We will define terms frequently used, the length of time long term care policies pay and how you know what they pay for. Additionally, we will find out where and when you should buy them.

Tired of your savings and investment dollars being eaten away by taxes? Learn from two Certified Financial Planners some of the specialized tax planning issues of retirement, including taxation of Social Security and managing Required Minimum Distributions (RMDs) from retirement accounts when you turn 70 1/2, plus general tax planning strategies. Discover how to take advantage of many common opportunities to minimize taxes. The discussion will cover tax-free investments, tax advantages of real estate, IRAs and other tax-deferred retirement accounts, as well as understanding the new tax laws and how our income tax system works in easy to understand language.