Financial Planning
COLLEGE FUNDING "THE BEST KEPT SECRET IN AMERICA" Fee:
$20
We can help you learn how to save and pay for college in the
most cost-efficient manner, how to pay for college without robbing
your retirement accounts, how to pay for college with pre-tax
dollars, and how to increase your cash flow to meet college
expenses.
Instructor: Michael Chandler
| Sat | 9 am-4 pm | Apr 12 | 6 hrs | 91183 | FTCC/CEC 114 |
ESTATE PLANNING Fee: $20
Estate planning is a subject no one likes to think about, but one
that requires thoughtful consideration. If you fail to plan for the
settlement of your estate, the state subjects your assets to
probate, a potentially time-consuming, expensive, and public
procedure that could make an already difficult time impossible for
your heirs. Fortunately, good estate planning can help out during
your lifetime and help your family later. Join us! Topics will
include wills, gifts, and joint ownership.
Instructor: Lyndon Ramey
| Th | 1:30-4:30 pm | Apr 17 | 3 hrs | 91184 | FTCC/CEC 147 |
INVESTING IN REAL ESTATE Fee: $35
As property values grow, buying real estate as an investment becomes
more inviting. In most instances, you don't have to have a large
down payment. Your instructor will help you determine how much you
can afford to pay for property, tell you where to find property you
can purchase with little cash down, give you tips on how to increase
the value of property you currently own, and more. He will also help
you to recognize properties or "deals" to avoid. This is a
self-supporting course; fee-exempt status does not apply.
Instructor: Joe Pomales
| T | 6:30-9:30 pm | May 06-May 27 | 12 hrs | 91185 | Douglas Byrd High |
MANAGE YOUR INCOME IN RETIREMENT Fee: $20
You have saved all of your life to enjoy your retirement. Now
what do you do? Explore your options in this intensive one-day
seminar about CDs, bonds, stocks, mutual funds, and annuities. What
are they and what are your risks? Learn how to design an investment
strategy for your own situation. For further information call
484-3481.
Instructors: Art Hooker
| Th | 6:00-9:00 pm | Apr 24 | 3 hrs | 91186 | Cross Creek WealthManagement Group |
MANDATORY RETIREMENT DISTRIBUTIONS AT AGE 70 1/2 Fee: $20
It would be nice if you could let your retirement money continue
to grow tax deferred indefinitely. However, the IRS has a limit on
this benefit. In fact, at age 70½, you must begin taking annual
withdrawals from your retirement accounts and pay taxes on the money
withdrawn. If you don't you could incur a 50% penalty. Fortunately,
you have some options when calculating your mandatory withdrawal
amounts. Deciding which calculation to use is important because the
choices you make now can affect how quickly your beneficiary(ies)
will be required to take withdrawals and pay income taxes. This
class can help you make the most of your mandatory retirement plan
distributions.
Instructor: Lyndon Ramey
| Th | 1:30-4:30 pm | Apr 24 | 3 hrs | 91187 | FTCC/CEC 147 |
MUTUAL FUND INVESTING Fee: $30
Some of the fastest growing investment vehicles are mutual funds.
This course will help you understand how mutual funds work and how
they can be used to meet almost any investment goal. While geared to
the beginner, the course can be helpful for those already using
mutual funds.
Instructor: Art Hooker
| T | 6:00-9:00 pm | May 13-May 27 | 9 hrs | 91188 | Cross Creek Wealth Management Group |
PLANNING YOUR FINANCIAL FUTURE WITH ANNUITIES Fee: $20
It's important for you to maintain your standard of living
throughout your retirement years and make sure you won't outlive
your nest egg. You can plan your financial future with annuities.
Come and learn the difference between an immediate annuity, a fixed
annuity, and a variable annuity. Your instructor will show you how
you can participate in a rising market and provide the downside
protection in a declining market. You will learn strategies that can
help you protect your income, preserve your wealth, transfer your
wealth to the next generation without the cost of probate, and
provide you with an income stream throughout your retirement years.
Instructor: Lyndon Ramey
| Th | 1:30-4:30 pm | May 01 | 3 hrs | 91189 | FTCC/CEC 147 |
SAVING FOR COLLEGE/THE 529 PLAN Fee: $20
Whether you are a grandparent or a parent you want the best for
the child in your life. Let's face it, a child can only house so
many stuffed toys and the cost of future education will probably
never decrease and will most assuredly increase. Why not invest
those "stuffed toy" funds where they will be needed. In three hours
learn how you can save money for future education at any graduate
school, vocational school, or college. Learn how it works and why it
offers the best of all possible methods for college savings.
Instructor: Lyndon Ramey
| Th | 1:30-4:30 pm | Mar 13 | 3 hrs | 91190 | FTCC/CEC 147 |
TRUSTS Fee: $20
The legal title to a property is frequently held by one person,
while the right to the use and benefit of the same property is
enjoyed by another. The relationship created is generally described
as a "trust". Trusts are widely employed in wills as a means of
conserving property for the benefit of widows and children. They are
also a frequently used method to avoid taxes by taking advantage of
lower federal tax rates upon gifts during lifetime than upon
transfers at death. Your instructor will discuss the benefits and
drawbacks of living trusts, revocable and irrevocable trusts, and
insurance trusts. For further information call 484-3481.
Instructor: Michael Chandler
| Th | 6:00-9:00 pm | May 08 | 3 hrs | 91191 | Cross Creek Wealth Management Group |