This seminar, designed specifically for Wilson Central School District employees, will help participants understand the key components of their 403(b)-retirement plan and how it fits alongside Social Security and pensions. Whether you're years away from retirement or approaching it, this seminar will provide the tools to make informed decisions about your retirement planning.

Class taught by Les Robinson CLTC, CPRC

Please bring paper and pen to class.              

Key protection points you will learn in this educational class include:

• Learning the secrets to protecting your home, retirement, and lifestyle, from self-funding risks.
• Avoid losing your money, income, and home due to an incorrect plan of care, overpaying for care, and Medicaid risk.
• Prevent impoverishing your spouse.
• Protect your children's and grandchildren's financial future.
• Gain an understanding of longevity risk on your home, money, retirement income, and lifestyle.
• Gain insights on longevity for an enhanced retirement.
• Plan for both the expected and unexpected in your life.

Class taught by Les Robinson, CLTC and Author of Protecting your Money from Medicaid and Nursing Home Event. 

Please bring paper and pen to class.              

Taught by Candyce Vana Ingwersen, Esq., an estate planning attorney, this course will provide you with the basics for proper estate planning. During the class, we will discuss Last Wills and Testaments, Trusts, Health Care Proxies with Living Wills, and Durable General Powers of Attorney. We will also talk about deed transfers and Medicaid planning.

What are annuities?  Why do people invest in them?  What kinds of guarantees can they provide?  What different kinds of annuities are available?  What are the pros and cons of owning them?  What role can they play for retirees or those approaching retirement?  Chartered Financial Consultant ® Jason Myers will explore these questions and more in this education–only presentation.

Medicare is Confusing! What are Parts A, B, C & D? When do I have to enroll? What will I pay? What is a Medicare Advantage Plan? What is a Medicare Supplement Plan? What about late enrollment penalties, Extra Help, EPIC, or Medicare Savings Programs? What kind of plans might work best for me? This class will help people understand how the federal Medicare program works and provide a general overview of the variety of Medicare insurance options available to beneficiaries. Jason Myers is the owner of JBM Health & Wealth Consulting, LLC.

Discover strategies to potentially maximize your investment returns by minimizing tax liabilities in our upcoming course on Tax-Efficient Investing Strategies. In this informative session, we will explore how different investment vehicles—like stocks, bonds, Mutual Funds, ETFs, CDs, savings accounts, and annuities—are taxed, and how these taxes can impact your overall portfolio performance. Learn the differences between short- and long-term capital gains and ordinary income tax, including the benefits and drawbacks of each, to help make informed investment decisions. This course is designed to help you better understand how to keep more of what you earn, whether you're a seasoned investor or just starting out. Join your instructor to gain practical insights into tax-efficient investing for potential long-term growth and stability.

Advisory services are offered through Capital Analysts or Lincoln Investment, Registered Investment Advisers. Securities are offered through Lincoln Investment, Broker-Dealer, Member FINRA/SIPC. www.lincolninvestment.com, Office: 61 John Muir Drive, Suite 100, Amherst, NY 14228 Phone (716) 553-2538. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to affect some of the strategies. Investing involves risks, including possible loss of principal. 

A Webex link will be provided prior to the course start date.

Online Send Your Kids to College Presentation for Parents

Did you know that less than 33% of 4-year college students graduate in four years? Mistakes in college planning could cost you thousands of dollars! Please join our team of experts for a free one-hour discussion on the best approach to college planning. Send Your Kids to College is a non-profit organization. There is no cost or obligation to purchase anything.

Topics discussed:

• Choosing the right college major and the best approach in applying to colleges.
• Timeline for ACT and SAT test preparation and why it is important to prepare for these admission tests.
• New digital SAT Test format.
• Strategies to reduce the cost of college, available scholarships, etc.

A meeting link will be sent to registrants prior to the presentation.