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.

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.

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.

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.