Learn how Social Security works and how to make the most of the benefits you have earned. This class is helpful for married couples, singles, and widows who want to understand their options before or during retirement. The class explains how marital status can affect Social Security benefits, including spousal and survivor benefits. You will explore how to choose the best time to claim benefits and how timing decisions may impact long‑term income. Additional topics include how Social Security fits with other retirement income sources, such as 401(k)s, IRAs, and pensions. The class also covers how Social Security benefits are taxed, strategies that may help reduce taxes in retirement, and how earning income while receiving benefits may affect payment amounts. This class is designed to help you feel confident and informed when making Social Security decisions. Individuals may attend on their own or with a spouse or family member.

Turning 65 soon? Learn about how and when to enroll in Medicare, important steps to avoid penalties, and the pros and cons of Part C, Part D, and Medicare supplements.

If you don’t have a will, Minnesota law decides who gets your property and who will care for your children. In this class, you’ll learn what a will is, how probate works, and why it’s important to plan ahead. You’ll leave with a completed, legally binding will—ready to go. We’ll provide everything you need: a professional will form, witnesses, and a notary. This class is best for people who: Have less than $1 million in assets Don’t own a business An attorney will lead the class and answer your questions.

Want to feel better about how you handle money? In this class, you’ll learn 10 easy rules for smart investing, how to avoid common money mistakes, and simple ways to save and grow your money. Whether you're just starting out or want to improve your money skills, this class will help you make good choices for your financial future.

Did you know your taxes in retirement can change a lot depending on how and when you use your money? In this class, you’ll learn how to make a smart plan so you don’t pay more taxes than you need to. We’ll talk about: The types of taxes you’ll face in retirement How taxes affect Social Security and Medicare When to use different accounts to avoid extra taxes How to avoid the Social Security “tax trap” Why taking money out in the wrong order can raise your Medicare costs What to do in each stage of retirement to stay on track Common mistakes with investments, health care, and estate planning This class will help you understand the tax rules and make better choices—before and during retirement.