All seminars and workshops are educational in nature; no financial products, services or insurances of any kind will be promoted in these classes.

Retirement Planning    POPULAR!
Whether you’ve just started your family, are thinking about retirement within the next 5-10 years or are just meeting your monthly expenses, your future financial comfort depends on creating—and sticking to—a long-term money management strategy. Recent tax law changes, an uncertain future for Social Security and the shift toward employee-directed retirement plans shows the need for sound financial strategies has never been greater. Whether your objective is to build a nest egg, protect your assets or preserve your lifestyle throughout retirement, this class can help you plan your future with confidence. Whether you plan to retire 20 years from now or have just recently retired, the information you learn in this class could deliver rewards throughout your lifetime. NOTE: Bring a guest at no additional charge, just provide the guest’s name when registering.
SESSION 1: Saturdays • 9/28-10/5 • 9 am-12 pm • $49 • Dennis Starbuck
& Jeff Grant • Rm: LT-304

SESSION 2: Wednesdays • 10/2-10/9 • 6-9 pm • $49 • Dennis Starbuck &
Jeff Grant     NOTE: Session 2 will be held at KCC’s Fehsenfeld Center,                2950 West M-179 Hwy, Hastings MI

SESSION 3: Mondays • 10/7-10/14 • 6-9 pm • $49 • Dennis Starbuck &
Jeff Grant • Rm: LT-304

Brainworks & Leaving a Legacy    NEW!
Join us to discuss some of the key findings about how the brain works, ways we can train our brain to perform better, to be more resilient to stress, and to endure the test of time—reducing our risk of cognitive decline, dementia and Alzheimer’s disease. In addition, we’ll discuss the implications your children or other loved ones may face if you fall significantly ill or pass away and how legacy planning can be a benefit to you and the ones you love.
Thursday • 10/3 • 6-8 pm • $25 (member) $35 (non-member) •                      Fernando Aguirre • Rm: LT-304

Planning for 100    NEW!
Will you live to 100? While living a long life was once relegated to a lucky few, today it’s increasingly becoming the norm, thanks to medical advances and healthier lifestyles. As you think about your future and plan for retirement, it’s important to recognize that life expectancy is a mid-point, not an end-point. In this class we’ll examine a variety of ways to make your money last throughout your entire retirement, from the beginning to the end.
Thursday • 10/17 • 6-8 pm • $25 (member) $35 (non-member) •
Fernando Aguirre • Rm: LT-304

Social Security & Your Retirement
Did you know there are over 500 ways to take Social Security? With so many moving parts and complicated formulas it’s no surprise people have trouble understanding Social Security. Social Security is an important element in your retirement planning. This class will explore the cost of retirement, as well as various options for when you could claim and strategies to maximize your benefits and reduce taxes. We’ll look at ways to
bridge possible income gaps, too. NOTE: Your class fee includes bringing a guest, please provide their name at registration.
Monday • 11/4 • 6-8 pm • $25 (member) $35 (non-member) • Fernando Aguirre • Rm: LT-304

Estate Planning & Trusts: What You Need to Know
Most people don’t like to think about dying, but it is something that everyone has to face. What will happen to the money you worked hard to save? Who will get your house, your car, or your jewelry? Most people put off planning their estate, but putting off these decisions can cost your heirs considerable money and anguish. In order to ensure that your wishes about who should get what are heeded and that costs and inconveniences of probate and estate taxes are avoided after your death, it is critical to do estate planning now. This workshop will help you understand the
types of estate planning moves that are most likely to be helpful for many
people. Proper estate planning takes a relatively short time, and will give you and your heirs tremendous peace of mind. With estate planning, you can make sure your medical and business decisions can be made by someone you trust if incapacity strikes—without court interference and with as little disruption as possible to your loved ones. Join a local estate planning attorney as you learn the most important aspects of this often
daunting topic. NOTE: Your class fee includes bringing a guest if you’d like; please provide their name at registration.
Wednesday • 11/13 • 6-8 pm • $25 (member) $35 (non-member) •
Diane Peters • Rm: LT-304

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