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Money Management
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Real Estate
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. Certified Financial Planner
Lee Claymore
has 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
6603BU: One Tue., 6:30-8:30PM 1/19
6603BV: One Tue., 6:30-8:30PM 2/16
6603BW: One Tue., 6:30-8:30PM 3/15
6603BX: One Tue., 6:30-8:30PM 4/19
Prepare for Medicare!
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
6605W: One Thu., 6:30-8:30PM 1/21
6605X: One Thu., 6:30-8:30PM 2/18
6605Y: One Thu., 6:30-8:30PM 3/17
6605AA: One Thu., 6:30-8:30PM 4/21
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.
$51 Non-Member
$39 Member
CFU LOWRY
: Near 1st & Quebec
1947AN: One Sat., 9AM-12PM 1/16
1947AO: One Tue., 6-9PM 2/23
1947AP: One Sat., 9AM-12PM 4/2
Planning Your Retirement
Cash Flow
The Second Piece of the
Retirement 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
6617AB: One Tue., 6:30-8:30PM 1/19
6617AC: One Sat., 10AM-12PM 2/27
6617AD: One Thu., 6:30-8:30PM 4/7
All About Annuities
The Backbone of a Successful Re-
tirement 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, and how
they can play a crucial and hugely beneficial
role in your retirement strategy. 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.
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 and “Planning
Your Retirement Cash Flow” classes at CFU
(both recommended but not prerequisites).
Class is perfect for those over the age of 50
and in or near retirement.
$41 Non-Member
$29 Member
CFU LOWRY
: Near 1st & Quebec
1942K: One Thu., 6:30-8:30PM 1/7
1942L: One Tue., 6:30-8:30PM 2/16
1942M: One Sat., 10AM-12PM 3/26
Alternatives to Traditional
Real Estate Investing
Look at real estate investing from an angle
other than single family homes, duplexes,
or condos. There’s a world of options out
there: commercial property, assisted living
homes, partnerships, and more! Learn
how to create a business plan for your
investment, including financing options,
management, and the formulas you need to
measure your ROI. While this class is aimed
at people who have already discovered the
advantages of investing in real estate, it can
also be suitable for those who are simply
ready to diversify into investments outside
the stock market. A personalized meeting
is included. The instructor,
Jim Flint
, CRS,
has has been successfully investing in real
estate and creating investment partnerships
for over 35 years and has experience with
real estate in five states.
$48 Non-Member
$36 Member
$20 materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
6816W: One Tue., 6:15-9:30PM 1/19
6816X: One Tue., 6:15-9:30PM 3/22
