Money Management
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22
Women & Wealth
It’s Different for Women
Women often earn less than men,
participate in the work force less time than
men, and statistically live longer than men.
Women are often alone in retirement; some
never marry, are divorced, or are widowed
early on (the average age for a widow is
56). Since women live longer in retirement,
with less in savings, and more often alone,
it’s no wonder many secretly fear becoming
a “bag lady!” If you’re a woman age 40
or more and are concerned about your
financial future, this is the class for you!
Topics will include Social Security, IRAs,
ROTHs, 401Ks, Wills, Living Trusts, and
more. You’ll learn how to understand your
current financial situation, set realistic goals
and objectives, and create a secure financial
future.
Linda Gardner
has been helping
women gain financial understanding and
independence for decades and is known for
her ability to help people easily understand
financial concepts. Tuition includes a 20-
page financial workbook, a 24-page booklet:
What Women Should Know about Social
Security
,
a Personal Wealth Index
, and more
to help with your plan.
$46 Non-Member
$34 Member
ENGLEWOOD
: I-25 & County Line Road
4320Q: One Sat., 9AM-12PM 12/5
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
6605U: One Thu., 6:30-8:30PM 10/22
6605V: One Thu., 6:30-8:30PM 11/19
6605W: One Thu., 6:30-8:30PM 1/21
6605X: One Thu., 6:30-8:30PM 2/18
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
6603BS: One Tue., 6:30-8:30PM 10/20
6603BT: One Tue., 6:30-8:30PM 11/17
6603BU: One Tue., 6:30-8:30PM 1/19
6603BV: One Tue., 6:30-8:30PM 2/16
Life After Work
How to Create a Sustainable
Retirement Income Stream
Gain a better
understanding of the
many different ways
you might fund your
retirement from your
investments and how
to integrate it with
Social Security benefits
and/or a pension
plan. Class goes in to detail on the four
main strategies of retirement planning:
living off interest (of savings); planning for
mandatory vs. discretionary spending; using
the 4% rule; and the Bucket Method. Unlike
some other retirement planning classes,
the instructor integrates all four strategies
with social security and pensions. Taught by
Lee Claymore
, a Certified Financial Planner
with more than 25 years in the business.
Lee also teaches two extremely well-received
classes on Social Security and Medicare
planning at CFU.
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
CFU LOWRY
: Near 1st & Quebec
6606B: One Wed., 6:30-8:30PM 10/21
6606C: One Wed., 6:30-8:30PM 11/18
6606D: One Wed., 6:30-8:30PM 1/20
6606E: One Wed., 6:30-8:30PM 2/17
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 hosts the
weekly radio show “The Retirement Guy”
every Sunday at 9:00 AM on KNUS 710AM.
$51 Non-Member
$39 Member
CFU LOWRY
: Near 1st & Quebec
1947AL: One Sat., 9AM-12PM 10/24
1947AM: One Thu., 6-9PM 12/3
1947AN: One Sat, 9AM-12PM 1/16
Planning Your Retirement
Cash Flow
The 2nd Piece of the Retirement Puzzle
In retirement planning, net worth is nice,
but cash flow is king! 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 and how to find the right kind of
financial advisor to assist you.
Steve Geist
.
$41 Non-Member
$29 Member
CFU LOWRY
: Near 1st & Quebec
6617Y: One Sat., 10AM-12PM 10/31
6617AA: One Thu., 6:30-8:30PM 12/10
6617AB: One Tues., 6:30-8:30PM 1/19
All About Annuities
The Backbone of a Successful
Retirement Strategy
Annuities often get a bad rap; people often
assume that all annuities have high fees,
tie up your money, are not liquid, and don’t
offer much opportunity. This class busts
those myths and introduces you to the
variety and potential of annuities. Topics
include types and categories of annuities,
tax treatment of annuities, annuities and
other qualified plans (IRAs, 401(k)s, etc),
annuity ladders, the place and benefits of
annuities in a retirement plan, and more.
Class is perfect for those over the age of 50
and in or near retirement.
Steve Geist
.
$41 Non-Member
$29 Member
CFU LOWRY
: Near 1st & Quebec
1942J: One Tue., 6:30-8:30PM 11/17
1942K: One Thu., 6:30-8:30PM 1/7
1942L: One Tue., 6:30-8:30PM 2/16
