Creating Your Estate Plan is designed to help you understand the basics of estate planning so you can consider the options that make the most sense for your specific situation. Participants will learn what to consider when creating a will, the benefits of trusts in estate planning, how to help reduce taxes on estates and how insurance can help protect your family.

Plan ahead for retirement by learning how Social Security works for you. This class is designed for married couples, single adults and widows who want to better understand their Social Security benefits. Learn practical strategies for deciding when to claim, how marriage affects benefits, and how to coordinate Social Security with other retirement income. Topics include how marriage affects Social Security benefits, the best time to claim benefits, coordinating Social Security with other income sources, understanding taxes on benefits, working while receiving benefits, and strategies for higher-earning households. This clear, informative class helps you make confident decisions and maximize the benefits you’ve earned.

This is an online class held via Zoom. Please make sure your email address is current so we can send the Zoom link before class. PDF handouts will be provided during the class. Want to earn money each month by promoting products online? In this class, you’ll learn how to post special links on your website that earn you money when people click, buy, or sign up. You’ll find out where to access over 1,000 free and low-cost opportunities, how to avoid scams, and how to choose links that give you the best return. You’ll also learn how to: Find high-paying and repeat commission offers Use SEO (search engine optimization) to help more people find your site Boost your site’s visibility on Google The instructor, LeeAnne Krusemark, is a former journalist, published author and editor, and teaches publishing at colleges across the country—including Harvard’s adult education program.

This is an online class held via Zoom. Please make sure you have a current email on file so we can send you the link and PDF handouts prior to class. A growing number of college applicants included test scores in their applications for admission to college this fall, and this growth comes at a time when the ACT and SAT have recently undergone some dramatic changes. Amid the changes, how can your student make sense of the new world of testing and how can test scores fit into their college plans? What do they need to know about the new ACT and SAT? Join us to learn about how these changes may impact your family, and new strategies you should consider to give your student the best opportunity to be admitted and maximize scholarships and financial aid. If you are the parent of a HS student in grades 9-11, this is incredibly important info you will not want to miss. Register today!

Retire with confidence by learning how to optimize distributions from social security, pensions, work retirement plans and traditional IRA. Learn about the benefits of Roth IRA and how they can help reduce your taxes. This class also covers importance of estate planning, long term care insurance and when annuities are useful.

Estate planning does not have to feel intimidating or impersonal. This practical class introduces generational planning, a way to pass on more than money — your wishes, values, and stories — so the next generation has clarity and direction. You’ll learn what can happen when a legacy is not planned, how to prepare for sudden incapacity, and how to transfer both personal and financial assets with purpose. You’ll leave with a simple, six‑step process and a clear next step you can take right away. You do not need to be wealthy to benefit — clarity matters most. Whether you are 45 or 75, this framework helps align paperwork, people, and purpose.

Your tax rate in retirement can change from year to year. It depends on when and how you use different income sources. Without a plan, you may pay more in taxes than necessary. This class explains how smart tax planning can help you manage taxes throughout retirement, understand how they affect Social Security and Medicare, and decide when to use different accounts to help lower your tax bill. You’ll learn how smart tax planning can improve your retirement, how to avoid the Social Security “tax trap,” and how withdrawing assets in the wrong order can raise Medicare premiums. You’ll also explore the four stages of retirement, the key tax decisions in each, and common mistakes to avoid with investments, health care, and estate planning.

Learn the basics of Medicare in a clear, practical way. This class explores the ins and outs of Medicare and is designed to help you understand your options before enrolling. Presenters and licensed health agents will guide the discussion, and participants are encouraged to ask questions and engage throughout the session. Topics include Medicare history and eligibility, the differences between Medicare and Medicaid, the various parts of Medicare, how doctors and hospitals work with Medicare, Medicare supplement and Part D plans, options if you retire early, and key rules to consider when choosing a plan. This informative class helps you feel confident and prepared to select a Medicare plan that fits your needs.