Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 4824 Online: www.AssabetAfterDark.com / Call: 508-263-9651 CYA: Conserve Your Assets! Wednesday, 6:30 - 8:30pm, Oct. 12 • $59 FP12-F16 Are you tired of not earning any interest on your assets? Are you worried about your retirement nest egg? Do you want to learn how to protect it from eroding away because of low interest rates, inflation, taxes and management fees?Learn how to protect and preserve the assets accumulated over a lifetime of work. Your money still needs to grow while you are in retirement; learn how to do this with a principal guarantee and no fees!This entertaining presentation will open your eyes and empower you to take control of your own financial future, covering the topics that directly impact retirees and those preparing for retirement. Strategies will be discussed in generic terms and no specific company product is mentioned or endorsed.  Instructor: Stephan Brueckner Retirement Income Planning 2 Wednesdays, 6:30 - 8:30pm, Oct. 12 - Oct. 19 • $39 Single FP13-F16 $49 Couple Are you prepared for a long and happy retirement? It does not happen without a plan. Join others to learn the major concerns of those approaching retirement.  You will explore retirement income sources, how your portfolio should change in retirement, how long must your money last and health care and estate issues. Instructor: Sean McCann Social Security: More Than Meets the Eye Tuesday, 6:30 - 8:30pm, Oct. 11 • $59 FP04-F16 Learn key facts about the Social Security program including how benefits are calculated; full retirement age and choosing the right time to file; receiving benefits while working; provisional income and tax implications; and options for spouses and ex-spouses. There will be plenty of time for questions. Instructor: Michael Lashua The ABCs of Eldercare Planning Monday, 6:30 - 8:30pm, Oct. 17 • $59 FP05-F16 Do you know what to do when your family member needs care? Do you have a plan if services are needed for an aging relative? You will discuss what insurance covers both HMO, Medicare, and Medicaid. What are the critical questions you need to ask when looking at community options for a relative? What is the easiest way to obtain services in the home, in a rehabilitation facility, in an Assisted Living or in a Nursing Home? What services are provided by The Commonwealth of MA for Seniors? You will understand how to assess facilities, know when it is time to move your relative to a different setting, know when someone is no longer safe at home and be able to determine when it is time to become the decision maker. Learn and understand the medical maze so that you can take care of your loved ones. Instructors: Debbie Gitner, Linda Sullivan The Latest Long-Term Care Asset Protection Strategies Monday, 7 - 9pm, Dec. 12 • $59 FP06-F16 The high cost of long-term care can wipe out a family’s life savings in a short period of time. Unfortunately, many families are faced with this situation, finding themselves at the mercy of an under- funded government Medicaid system with limited choices. Recent legislative changes have created many questions surrounding planning techniques, including these questions and many more which will be answered in this important class: How can I protect my home? What is the penalty for giving assets away? Are my assets protected if I put them in a trust? When is long-term care insurance worthwhile to consider? If my loved one is already in a nursing home, can they protect their assets? Instructor: Daniel Williams Understanding Dementia Wednesday, 6:30 - 8:30pm, Oct. 26 • $59 FP09-F16 How do you provide care to someone with dementia and what do you need to know to navigate the medical maze? You will learn about the different types of dementia; how the disease progresses; and techniques and suggestions for family members on best approaches for dealing with dementia during the early, mid, and late stages of the disease. Learn how to keep someone safe at home; how to care for someone who presents with agitated behaviors; which questions to ask the primary care physician; which tests should be completed; and techniques for approaching someone with memory loss. You will also get details on how to find community services and where to go next; assisted living versus a medical setting such as a nursing home; and what services are available in Massachusetts. You will have information to be a strong advocate for your loved one as you learn to compare options and which allow good decisions to be made. Instructors: Debbie Gitner, Linda Sullivan FUTURE PLANNING