With our presenters’ over 50 years of practice with Minnesotans planning for and reaching their retirement years, we have learned time and time again that whether you are in your 40s, 50s, or 60s there are several milestones and overlooked life areas where mistakes can lead to results that range from discomfort to disaster. Let’s identify those issues for you in a comfortable learning session full of real-life examples and opportunities to get questions and issues answered.

Do you know what steps to take so you can retire? We can help! Join us for insights to help you achieve your retirement goals! We will answer the following questions: Will I have enough to retire? Will my retirement income last? Are my assets protected? No products will be sold. You will be provided with a Zoom link prior to the virtual class.

Are you considering a move but not sure how to handle the logistics between your current home and your next one? Join Senior Home Coach™ Kristi Nemec to get a clear understanding of how to maximize your equity, reduce stress, and make a confident move when the time is right for you. Strategies for buying a new home while selling your current one without making a contingent offer Which option makes the most sense depending on your stage of life, cash flow needs, and long-term goals Real-life examples of older adults who have used these strategies to transition smoothly into their next home.

One of the biggest concerns for many baby boomers is how to cover the cost of nursing home care while still preserving assets for the next generation. This class takes a practical look at the key questions you may be facing. How will you meet your long term care goals? Is long term care insurance the right fit? What are your options for home healthcare? Should you consider gifting assets? Would you qualify for Medicaid? Does your current trust offer any protection? We will also explain the 60 month claw back period and what happens if one spouse requires nursing home care and finances are depleted. Gain clear, attorney informed guidance to help you understand your options and create a plan that prepares you for the future with confidence.

Retirement should be about freedom—not financial stress. In this class, we’ll break down the five biggest expenses most retirees face and share practical strategies to help reduce or better manage them. From housing and healthcare to transportation and unexpected costs, you’ll walk away with simple, actionable ideas to help protect your income and make your money last.

It's critical to have a solid understanding of the tax status of investments to make informed decisions and avoid paying more than the fair share. Learn how future tax changes may create the potential for higher taxes, ways to create tax-free retirement income, how Social Security is taxed, and how to work efficiently within current tax brackets. This class is a learning opportunity only. No products will be sold.

When you are thinking of selling your home and downsizing to your next home, there are so many things to consider to transition successfully! Whether you are considering a one level townhome, a condo or a senior living community it’s important to be prepared in this process. Come and be a part of this class taught by Faith Waters with Edina Realty and the Joy Erickson Real Estate Team. This team has helped many seniors (including their parents) move successfully to their next home through thoughtful education and caring insights.

Join Senior Home Coach™ Kristi Nemec, Senior Home Coach™, and a trusted local lender for an informative session that breaks reverse mortgages, bridge loans, and traditional mortgages and how they can be used to fund your next lifestyle. How to purchase your new home before selling your current one, without making a contingent offer. The pros and cons of taking out a traditional mortgage, using a HELOC (Home Equity Line of Credit), or leveraging a reverse mortgage. Real-life examples of older adults who have used these strategies to transition smoothly into their next home.

Do you know what steps to take so you can retire? We can help! Join us for insights to help you achieve your retirement goals! We will answer the following questions: Will I have enough to retire? Will my retirement income last? Are my assets protected? No products will be sold. You will be provided with a Zoom link prior to the virtual class.

Tired of working for someone else? Do you need to make more money? Turn your talents and hobbies into profits by starting a home business. Taught by a Chamber of Commerce Past President and award winning business owner, this is probably the most comprehensive business start up workshop you will ever find. You will discover: more than 250 legitimate home business ideas mandatory legal documentation many ways to market your product/service how to take tax deductions (this workshop included!) Informative handouts for future use are included in class fee. The webinar login information will be emailed the day before class.

The trust is a very popular component and tool to be used in our Estate Planning. However, there is a variety of vastly different Trust options to be used and the question arises: “Am I using the right Trust for my needs and goals?” Often used Trusts include: Living Trusts, Testamentary Trusts and Irrevocable Trusts, each serves a different purpose, each has a different result. One common problem that often needs addressing is the over-utilization of the Living Trust for goals or problems that it does not resolve. For example, “Does my Living Trust protect my assets against Medicaid and the nursing home?” The answer is probably not. The Irrevocable Trust and the Testamentary Trust each have their strengths and weaknesses as well. We will clearly define the strengths and weaknesses of these different types of Trusts and when to use them. Explore your goals and wishes to see where they fall in the realm of Trusts. Class encourages questions and we hope to provide answers that will set your mind at ease or assist you in the decision making in this area.

An educational presentation for anyone who wants to know more about Medicare. Topics will include Medicare Parts A, B, C, & D, the application process, estimated costs, supplements, MAPD, and when is the right time to sign up. This an ideal course for people that are turning 65 or over 65 and coming off their employer medical plan as well as those currently enrolled in Medicare.

Social Security is a vital income source for many retirees, but it can be a confusing topic. Making the most of your Social Security can have a lot to do with correct timing. We’ll cover when you should apply, how to maximize your benefits and how it may affect your spouse. Get answers to your questions and learn what Social Security can mean for you. No products will be sold. This class is a learning opportunity only. No products will be sold.

Selling a home “as-is” can sound simple, but many homeowners don’t realize how different as-is, investor, and cash offers really work. This educational session is designed to bring clarity and confidence to homeowners who want to understand their options before making a major decision. Learn how as-is sales differ from traditional listings, what to expect from investor and cash buyers, and the key questions to ask before accepting an offer. We’ll discuss how pricing, timelines, repairs, and fees can impact your bottom line so you can make informed choices that protect your home’s equity.

Every family with a special needs member faces a critical question: is it wiser to have a solid plan in place, or to leave the future in the hands of shifting family dynamics and an ever changing benefit system? The good news is that grandparents, parents and families have real options. With the right planning, both during their lifetime and as part of their legacy, family members can provide meaningful, lasting support for a child, grandchild or loved one with special needs without jeopardizing a single benefit or program that person currently receives. This class is designed to show you how. We will walk through how to protect your assets while securing the future of your loved one, covering every type of asset whether tangible, income producing or otherwise. Most importantly, we will show you exactly how a special needs trust fits into your overall estate plan, what it can accomplish for your family, and the honest pros and cons you need to know before making any decisions.

This is a relaxed and friendly open-forum seminar for participants with a seasoned Will & Trust attorney. Questions like: Should I avoid Probate? Is a Will good enough? Do I need a Trust? How does my plan deal with the nursing home? How do we gift the assets of husband and wife? What about separate assets not of the marriage? If I am alone, what tools protect me best? How do I decide who should serve in my estate plan? What is the death tax? How do I avoid leaving a mess for my children? Which Trust is best for my needs? Can I use a Transfer-On-Death Deed? How do my retirement assets operate in my Will or Trust? All questions will be answered!