Retirement should be about freedom—not financial stress. In this class, we’ll break down the 5 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.

We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU - a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years.

Join our expert presenters with over 50 years of experience helping Minnesotans plan for a secure retirement. Discover critical milestones and often overlooked areas that can make or break your retirement, whether you're in your 40s, 50s, or 60s. Gain insights, real-life examples, and answers to your questions in a relaxed and informative learning session.

Join our expert presenters with over 50 years of experience helping Minnesotans plan for a secure retirement. Discover critical milestones and often overlooked areas that can make or break your retirement, whether you're in your 40s, 50s, or 60s. Gain insights, real-life examples, and answers to your questions in a relaxed and informative learning session.

Long-term care (LTC) planning is one of the most commonly overlooked parts of retirement. This workshop explains what long-term care is, who is most likely to need it, and why many people mistakenly assume Medicare or Medicaid will cover the cost. Participants will explore the emotional and financial risks of having no plan, learn about today’s long-term care options, and gain practical insight into why creating a personalized LTC plan matters for themselves and their families.

The biggest fear for most baby boomers is how to pay for the nursing home and still leave an inheritance for the next generation. We will walk through the following questions and more including: How will I meet my nursing home goals? Is Long Term Care Insurance for me? What about home healthcare? Should I gift my money away? Would I qualify for Medicaid? What about my current Trust, does it protect my assets and avoid the nursing home? What is the 60-month claw back? What if my spouse goes into the nursing home and exhausts our money? Get the answers to these and other questions and learn how to create an effective plan to deal with these uncertainties.

Ever considered becoming a landlord or investing in real estate but needed more information? Learn about opportunities in today's Twin Cities marketplace, how to analyze a property, tax considerations, and what to put in a lease. We will review all aspects of becoming a landlord from buying, selling, and renting.

We will walk through an actual Minnesota Probate Estate from filing the application for Probate to the final accounts and everything in between. Participants will learn the entire process with current forms, court and filing requirements, accounting steps, and procedures for sale and distribution of estate assets. We will discuss roles, responsibilities, and liabilities of an Executor/Personal Representative. Class includes real-life examples and encourages questions.

We will be discussing lifestyle options for senior living. Should I stay and age in place - making home modifications to reduce safety risk OR should I go - moving to a home option that may be handicapped accessible, single level living? We will take an assessment and give up the tools to make educated decisions.

The Trust is a popular component and tool used in Estate Planning. There are a variety of different Trust options, 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. We will define the strengths and weaknesses of these different types of Trusts and when to use them. Questions encouraged.

Without a will, the laws of Minnesota and a judge will make all the decisions regarding your estate. Prior to class, information will be sent to you. During class, learn the background on estates and wills, then prepare a legal will. The will is notarized with a witness at class. This class is for people who have an estate of less than $2,000,000, including life insurance, and do not own a business. Each participant must register separately. Bring an ID and a pen to class.