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RegisterEarlyCallUsat508-263-9651or800-537-6663ext.14742525FUTUREPLANNINGNEWFUTUREPLANNINGBasicFinancialRetirementandEstatePlanningforWomen32320151ClassMonday630PM-900PMFP01-S1555Ifyouareawomanwhofeelsintimidatedbymoneyissuesestateplanningorretirementplanningorwhowantstoknowmoreaboutthembutdoesntknowwhotoaskthiscoursewillansweryourquestionsinaneasyunderstandableinformalway.Thecoursewillcoverthebasicsincludingbudgetinginsuranceinvestingretire-mentplanningestateplanningandanexplanationoftermsandexamplesinunderstandablelanguageInstructorCarolynSpringSocialSecurityMoreThanMeetstheEye31020151ClassTuesday630PM-830PMFP04-S1555LearnkeyfactsabouttheSocialSecurityprogramincludinghowbenetsarecalculatedfullretirementageandchoosingtherighttimetolereceivingbenetswhileworkingprovisionalincomeandtaximplicationsandoptionsforspousesandex-spouses.Therewillbeplentyoftimeforquestions.InstructorMichaelLashuaTheABCsofEldercarePlanning41320151ClassMonday630PM-830PMFP05-S1555DoyouknowwhattodowhenyourfamilymemberneedscareLearntounderstandthelong-termcareplanningprocessinMassachusetts.WewilldiscussthedifferencesbetweenMedicareandMedicaidthecriticalquestionsyouneedtoaskaboutnursinghomeshomecareoptionsandassistedlivinghowtoassessfacilitiesorknowifyourlovedoneissafeathomewhatscamstolookoutforwhattodoifyouareoverwhelmedcaringforalovedoneupdatedlawsandregulationshowtoknowwhenyouneedtotakeoversomeonescareandotherrelevanttopics.Gettherightinformationnow.InstructorDebbieGitnerTheLatestLong-TermCareAssetProtectionStrategies22320151ClassMonday700PM-900PMFP06-S1555Thehighcostoflong-termcarecanwipeoutafamilyslifesavingsinashortperiodoftime.Unfortunatelymanyfamiliesarefacedwiththissituationndingthemselvesatthemercyofanunder-fundedgovernmentMedicaidsystemwithlimitedchoices.RecentlegislativechangeshavecreatedmanyquestionssurroundingplanningtechniquesincludingthesequestionsandmanymorewhichwillbeansweredinthisimportantclassHowcanIprotectmyhomeWhatisthepenaltyforgivingassetsawayAremyassetsprotectedifIputtheminatrustWhenislong-termcareinsuranceworthwhiletoconsiderIfmylovedoneisalreadyinanursinghomecantheyprotecttheirassetsInstructorDanielWilliamsUnderstandingDementia33120151ClassTuesday630PM-830PMFP09-S1555HowdoyouprovidecaretosomeonewithdementiaandwhatdoyouneedtoknowtonavigatethemedicalmazeYouwillhearaboutthedifferenttypesofdementiahowthediseaseprogressesandtechniquesandsuggestionsforfamilymembersonbestapproachesfordealingwithdementiaduringtheearlymidandlatestagesofthedisease.Theinstructorsbothprofessionalsintheeldwillalsoprovideinformationonhowtokeepsomeonesafeathomehowtocareforsomeonewhopresentswithagitatedbehaviorswhichquestionstoasktheprimarycarephysicianwhichtestsshouldbecompletedandtechniquesforapproachingsomeonewithmemoryloss.YouwillalsogetdetailsonhowtondcommunityservicesandwheretogonextassistedlivingversusamedicalsettingsuchasanursinghomeandwhatservicesareavailableinMassachusetts.Youwillbecomeawiseadvocateforyourlovedoneasyoulearntocompareoptionsandunderstandthepath.InstructorDebbieGitnerUnderstandingMedicare-WhatItMeanstoYou4620151ClassMonday700PM-900PMFP07-S1555IfyouareclosetobeingeligibleforMedicareoralreadyonitthisclasswillfullyenlightenyouonhowMedicareworksandthedifferenthealthcarechoicesavailabletothose65.JustafewofthequestionswhichwillbeaddressedarehowpartsABCandDareintegratedwhataMedicareAdvantagePlanistheprosandconsofHMOsPPOsandMedigapplanswhetheryoushouldtakeMedicareifyouarestillemployedhowHealthCareReformimpactsMedicareandifanypartofMedicarecoverslong-termcareexpenses.InstructorDanielWilliamsWillsEstateandGiftTaxPlanning41620151ClassThursday630PM-930PMFP08-S1555Youwillreceivepracticaladviceaboutwillstrustsandotherestateplanningstrategiesincludingtaxsavingstechniquesinthisonenightworkshop.WewilldiscusstheestateadministrationprocessandwaystosimplifythatprocessunderthenewMassachusettsProbateCode.Thisclasswilldemystifythesubjectofwillsestateplanningandgifttaxplanningandgiveyoupracticaladviceaboutplanningyourownestate.SomeofthetopicsdiscussedincludewhowillgetyourpropertyifyoudiewithoutawillwhoyoushouldnameasexecutorguardianandtrusteeandwhattheirresponsibilitiesarehowyoushouldaddressblendedfamilyissueshowyoucansaveestatetaxesandadministrationcostsforyourheirsandwhatthenewMassachusettsUniformProbateCodemeansforyou.InstructorAndrewODonnellPassporttoRetirement3262015-4920153ClassesThursdays630PM-900PMFP02-S15a793312015-41420153ClassesTuesdays630PM-900PMFP02-S15b79LearnhowtoavoidthetenbiggestretirementplanningmistakesWhetheryourobjectiveistobuildanesteggprotectyourassetsorpreserveyourlifestylethroughoutretirementtheneedforsoundnancialstrategieshasneverbeengreater.Inthiscourseyoulllearnhowtocreateaplantoretireearlymanageinvestmentrisksusenewtaxlawstoyouradvantagemakeinformeddecisionsaboutyourcompanyretirementplanandadjustyourestateplantofunctionproperlyunderthenewlaws.Thiscourseincludesa135-pageillustratedtextbook.InstructorJosephConnollyRollItTakeItLeaveItMoveIt3182015-31820151ClassWednesday630PM-830PMFP10-S1555HaveyourecentlyswitchedjobsretiredorarefacingunemploymentduetolayoffsordownsizingThiscoursewillassistyouwithwhattodowiththemoneyfromapreviousemployersponsoredplan.KnowtheprosandconsoftakingalumpsumleavingassetsinaplanormovingtoanotherplanrollingovertoaTraditionalorRothIRAorreceivingannuityfromapension.InstructorMichaelLashuaCyanMagentaYellowBlack25