Adult & Community Ed Classes

Renee and David are back this winter and spring with financial courses through various adult education programs in our area.  Money and Divorce is recently updated with information we've obtained from professional seminars and courses, therapists, mediators, divorce attorneys and, of course, our own personal experiences.  Social Security – Optimizing Your Benefits has all new numbers for 2014.  Our brand new class, Basics of Personal Finance and Investing, is designed for people in their 20's and 30's, or for anyone who wants to take control of their financial lives.  This practical course is currently being offered in Acton, Concord and Bedford.

 

Money and Divorce: Costly Mistakes You Don’t Want to Make


You want to keep the house that has $150,000 in equity. Your spouse takes the stock portfolio worth $150,000. Five years from now, is one of you struggling to pay bills while the other has a growing net worth?

If you are contemplating divorce, starting the process, in mediation or looking at settlement options, this 2-hour seminar could be for you.  We’ll look at common financial mistakes that are often made in divorce settlements and discuss how to avoid them.  You’ll gain an understanding of how issues around cash flow, liquidity, income taxes, capital gains, retirement account rules, insurance, debt and credit could impact your future well-being.  We’ll look at the Alimony Reform Act of 2011 which became effective March 1, 2012 and makes significant changes to alimony in Massachusetts as well as the new Child Support Guidelines which changed August 1, 2013.  Be knowledgeable about your finances before you sign your settlement agreement.

 

Wednesday, February 25 at Monty Tech, Fitchburg, Massachusetts (7:00 - 9:00 pm)
http://www.montytechnites.com/ 

 

Thursday, April 3 at Chelmsford High School (7:00- 9:00 pm)
200 Richardson Road, North Chelmsford. Register in person, by mail or by fax 978-251-5154 

 

Wednesday, April 30 at Minuteman Tech, Lexington, MA (7:00 - 9:00 pm)
http://minuteman.org/continuing-education/adult-education 

 

Tuesday, May 6 at Town Center Building, 12 Mudge Way, Bedford, MA (7:00 - 9:00 pm)
http://www.bedfordrecreation.org

 

Tuesday, May 13 at R.J Grey Junior High, Acton (7:00 - 9:00 pm)
http://abce.abschools.org/  978-266-2525 

 

Tuesday, May 13 at Littleton HS (7:00 - 9:00 pm)
http://www.littletonma.org/content/53/123/default.aspx 

 

Thursday, May 15 at Newton South HS (6:30 - 8:30 pm)
http://newtoncommunityed.org

 


Social Security – Optimizing Your Benefits


Are you concerned about Social Security not being there as part of your retirement income?  Thinking of taking Social Security at 62 just in case?  Do you know that after a 3.6% cost-of-living adjustment (COLA) in 2012 the Social Security Administration announced only a 1.7% COLA for 2013?  So, should you take those benefits at age 62 or 66?  What is the advantage of waiting until age 70?  What if you decide to work part time during retirement?  How would divorce impact social security?  Join us tonight to discuss the basics of social security and all new numbers for 2013.  We’ll examine the factors to take into consideration when you decide to take benefits.  You’ll learn how to create a retirement income strategy using social security as one source of income.  The information provided is general in nature and should not be construed as personal tax or legal advice.


 

Wednesday, February 26 at Littleton High School (7:00 - 9:00 pm)
http://www.littletonma.org/content/53/123/default.aspx

 

Tuesday, April 1 at Minuteman HS, Lexington, MA (7:00 - 9:00 pm)
http://minuteman.org/continuing-education/adult-education

 

Thursday, April 10 at Chelmsford High School (7:00- 9:00 pm)
200 Richardson Road, North Chelmsford. Register in person, by mail or by fax 978-251-5154

 

Tuesday, May 6 at Newton South HS (6:30 - 8:30 pm)
http://newtoncommunityed.org

 

 

Basics of Personal Finance and Investing

 

This practical course is designed for people in their 20's and 30's or for anyone else who wants to begin learning how to take control of their financial lives.  We’ll discuss setting goals and building your financial plan, budgeting and buying your first home.  We will also cover some important financial concepts, various types of investments and retirement plans like IRAs and 401(k) plans.

 

Wednesday, May 7 at R.J Grey Junior High, Acton (7:00 - 9:00 pm)
http://abce.abschools.org/  978-266-2525

Wednesday, May 14 at Town Center Building, 12 Mudge Way, Bedford, MA (7:00 - 9:00 pm)
http://www.bedfordrecreation.org

Tuesday, June 10 at Concord-Carlisle HS (6:30 - 8:30 pm)
https://ace.colonial.net/

 

Retirement Planning for the Self-Employed

 

Building wealth and saving for retirement is tricky enough for most Americans, but being self-employed presents a whole new set of challenges- and opportunities. Without the advantage of corporate benefits, pensions and 401(k) plans, small business owners and sole proprietors need to take the initiative to provide for their own retirement. The course will offer an informative and practical approach for long-term financial success. Questions to be answered include: How much money do I need to retire? What are the options for self-employed people? How does Social Security fit into my retirement picture? How much should I be saving now?

 

Wednesday, February 26 at Littleton High School (7:00 - 9:00 pm)
http://www.littletonma.org/content/53/123/default.aspx

 

Please contact us if you need help with registration, have questions, or cannot attend class and would like a consultation. 

Looking forward to seeing you in class.