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Register now! Call 303-399-0093 or online:
Money Management
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
6603CD: One Tue., 6:30–8:30PM 10/18
6603CE: One Tue., 6:30–8:30PM 11/15
6603CF: One Tue., 6:30–8:30PM 12/13
6603CG: One Mon., 6:30–8:30PM 1/16
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
6605AF: One Thu., 6:30–8:30PM 10/20
6605AG: One Thu., 6:30–8:30PM 11/17
6605AH: One Thu., 6:30–8:30PM 12/15
6605AI: One Thu., 6:30–8:30PM 1/19
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, or your brokerage account. 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, protect yourself from the catastrophic costs of long-term care,
and build a legacy for your loved ones. In this class, Steve Geist fits the pieces of the puzzle
together to enable you to build a solid plan to enjoy your retirement with greater peace of
mind. This class is perfect for those over the age of 50 and in or near retirement.
Steve
Geist
is an expert in safe retirement plan strategies. He has written a book on the subject
which has been published and will be available for purchase in class. He also teaches the
popular “All About Annuities” class and “Planning Your Retirement Cash Flow” class at CFU
(both recommended but not prerequisites).
$51 Non-Member
$39 Member
$10 optional materials fee for instructor’s book
CFU LOWRY
: Near 1st & Quebec
1947AU: One Sat., 9AM–12PM 10/29
1947AV: One Tue., 6–9PM 11/29
1947AW: One Thu., 6–9PM 1/12
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.
Learn how to prepare a proper budget and cash flow for
a long retirement. Discuss the benefits of annuity-based
guaranteed lifetime income, how to set up tax-efficient
annuity ladders, 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. This class is
perfect for those over age 50 and in or near retirement.
Steve Geist
is an expert in safe
retirement plan strategies. He has written a book on the subject which has been published
and will be available for purchase in class. Steve has also accumulated an online library
of learning videos, radio shows, and special reports to guide you with your retirement. He
teaches the popular Solve the Retirement Puzzle and All About Annuities classes at CFU
(both recommended but not prerequisites).
$41 Non-Member
$29 Member
$10 optional materials fee for instructor’s book
CFU LOWRY
: Near 1st & Quebec
6617AI: One Tue., 6:30–8:30PM 10/25
6617AJ: One Thu., 6:30–8:30PM 12/1
6617AK: One Sat., 10AM–12PM 1/14
All About Annuities
The Backbone of a Successful Retirement Strategy
Annuities often get a bad rap. Many people 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
beneficial role in your retirement strategy. Topics include types and categories of annuities,
tax treatment of annuities, annuities inside IRAs and Roth IRAs, annuity ladders, the place
and benefits of annuities in a retirement plan, and more. This class is perfect for those
over the age of 50 and in or near retirement.
Steve Geist
is an expert in safe retirement
plan strategies. He has written a book on the subject which has been published and will be
available for purchase in class. He also teaches the popular “Solve the Retirement Puzzle”
class and “Planning Your Retirement Cash Flow” class at CFU (both recommended but not
prerequisites).
$41 Non-Member
$29 Member
$10 optional materials fee for instructor’s book
CFU LOWRY
: Near 1st & Quebec
1942R: One Thu., 6:30–8:30PM 10/27
1942S: One Sat., 10AM–12PM 12/3
1942T: One Tue., 6:30–8:30PM 1/24
