Money Management | Real Estate
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22
Getting Ready for Social
Security?
Take This Class
First!
If you are approaching
eligibility for social
security benefits you
will find that there are
decisions to be made that
are much more complex
than you may be aware. Not understanding
the ins and outs of Social Security could
have severe consequences for your future.
This information packed seminar will give
you what you need to answer the important
questions of when to apply for benefits,
what to consider when choosing whether
to take benefits at age 62, and what the
impact of delaying might be. Learn also how
spousal and survivor benefits work. Taught
by
Lee Claymore
, a Certified Financial
Planner with more than 25 years in the
business.
Branch office: Cirrus Financial Group, 6855 S. Havana St. #270,
Centennial, CO 80112, (ph) 303-706-1033, Securities and Advisory
Services offered through Cetera Advisors, LLC. Member SIPC/FINRA.
Cetera is under separate ownership from any other entity.
$36 Non-Member
$24 Member
$5 materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
6603BP: One Tue., 6:30-8:30PM 6/16
6603BQ: One Tue., 6:30-8:30PM 7/21
6603BR: One Tue., 6:30-8:30PM 9/15
Prepare for Medicare!
Just like social security, if you are
approaching eligibility for Medicare benefits,
you will find that there are decisions to be
made that are much more complex than
you may be aware. This class will help you
understand the ins and outs of Medicare
and prepare for your future healthcare
needs. Learn the important questions
to ask, such as when you must apply for
benefits, what to consider when choosing
your healthcare benefit options, and what
the consequences of missing the enrollment
deadlines are. We will also spend time
talking about what Medicare does and
does not cover. Taught by
Lee Claymore
, a
Certified Financial Planner with more than
25 years in the business.
Branch office: Cirrus Financial Group, 6855 S. Havana St. #270,
Centennial, CO 80112, (ph) 303-706-1033, Securities and Advisory
Services offered through Cetera Advisors, LLC. Member SIPC/FINRA.
Cetera is under separate ownership from any other entity.
$36 Non-Member
$24 Member
$5 materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
6605R: One Thu., 6:30-8:30PM 6/18
6605S: One Thu., 6:30-8:30PM 7/23
6605T: One Thu., 6:30-8:30PM 9/17
Planning Your Retirement
Cash Flow
The Second Piece of the Retire-
ment Puzzle
In retirement planning, net worth is nice,
but cash flow is king! Get ahead of the
income planning curve by taking this class
and gain financial peace of mind. Discuss
the benefits of annuity-based guaranteed
lifetime income, strategies for managing
Social Security benefits, and the risks of
taking income from risk-heavy retirement
accounts. Learn how to account for longevity
and inflation so you don’t outlive your
assets, and how to find the right kind of
financial advisor to assist you.
Steve Geist
is
an expert in safe retirement plan strategies.
He is the host of the weekly radio show
“The Retirement Guy,” every Sunday at
9:00 AM on KNUS 710 on the AM dial and
teaches the popular “Solve the Retirement
Puzzle” class at CFU (recommended but
not prerequisite). This class goes in depth
on the second piece of the puzzle, planning
safely and carefully to ensure adequate
income in retirement, no matter how long
you live. Class is perfect for those 10 years
or closer to retirement.
$41 Non-Member
$29 Member
CFU LOWRY
: Near 1st & Quebec
6617U: One Thu., 6:30-8:30PM 5/28
6617V: One Sat., 10AM-12PM 7/11
6617W: One Thu., 6:30-8:30PM 8/20
6617X: One Tue., 6:30-8:30PM 9/29
Solve the Retirement Puzzle
The “Retirement Guy’s” Guide to
Financial Well-Being
Peace of mind in retirement is about
much more than the size of your 401(k) or
your Social Security check. It’s critical to
know how to safeguard your hard-earned
accumulated assets, develop an adequate
stream of guaranteed lifetime income, deal
effectively with taxes so that the IRS does
not become your #1 beneficiary, protect
yourself from the catastrophic costs of
long term care and build a legacy for your
loved ones.
Steve Geist
is an expert in safe
retirement plan strategies. He is the host
of the weekly radio show “The Retirement
Guy” every Sunday at 9:00 AM on KNUS
710 on the AM dial. Steve will describe
the Retirement Puzzle and fit the pieces
together to enable you to build a solid plan
to enjoy your retirement with greater peace
of mind.
$56 Non-Member
$44 Member
CFU LOWRY
: Near 1st & Quebec
1947AH: One Sat., 9AM-12PM 6/13
1947AI: One Thu., 6-9PM 7/16
1947AJ: One Sat., 9AM-12PM 8/15
1947AK: One Tue., 6-9PM 9/15
Wills, Trusts, Power of
Attorneys, Living Wills
Make Sense of It All
End of life planning is a hard thing to
face, and it’s made even more difficult by
confusion and misunderstanding about
legal issues. Do you need a will or a trust?
What is the difference? What about a power
of attorney; can’t you just download one
from the Internet? Do you need a living will?
Must you have a will in order to appoint a
guardian for your children? Take the mystery
out of the many issues surrounding the
planning for end of life or illness. Gain a
better understanding of what planning your
estate means, what your options are and
who can help you put an appropriate plan
into place. Receive practical advice in plain
English.
Erica Johnson
received a JD from
the University of Denver and is an associate
at the law firm of Ambler & Keenan, LLC,
where her practice emphasizes estate
planning and probate.
$36 Non-Member
$24 Member
CFU LOWRY
: Near 1st & Quebec
6625BS: One Tue., 6:30-8PM 6/23
6625BT: One Tue., 6:30-8PM 9/15
Introduction to Real Estate
Investing
Gain an overview
on essentials of
residential real
estate investing,
including regional
price history
and trends,
current market
activity, capital
appreciation, depreciation, cost basis,
leverage, tax rules for principal residence
versus rental property, and terminology
used in real estate investing. Learn how to
measure profitability and analyze return on
investment, how to finance purchases, where
to get resource info, and more! There will be
a brief discussion of foreclosures, fix-and-
flips, selecting tenants and the CLUE report.
Dick Martin and Leah Hamilton
have over
50 years of combined experience buying,
selling, and managing investment property,
with a proven track record helping hundreds
realize their dreams of property ownership.
A detailed “Real Estate Investment and
Financing” workbook is included in the
materials fee. See how you can build your
own retirement program in real estate.
$66 Non-Member
$54 Member
$15 materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
6841EW: One Sat., 8:30AM-12:30PM 6/27
6841EX: One Sat., 8:30AM-12:30PM 8/15
6841EY: One Sat., 8:30AM-12:30PM 9/26
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