Gregory Kurinec

This program will help attendees evaluate their readiness for retirement with several self-evaluation exercises. Once the evaluations are complete attendees will be introduced to the Ten Critical Questions. These are the questions that every retiree must answer before embarking on a successful retirement. Students will be given in depth instruction on the nuances of Social Security: • How benefits are calculated • When to file to maximize benefits • Taxation of benefits • Benefits while working • Benefits for spouses, divorced and widows Attendees will then discuss the basic need for an estate and or financial plan. The instructor will help attendees conduct an estate analysis complete with a net worth statement.

Essentials of Estate Planning covers the estate planning process from beginning to end. We will look closely at the need to plan, the most common planning techniques and the documents used in the planning process. The class will explain the difference between a will and a trust and will give attendees an understanding of: • Probate • Wills vs. Trusts • Power of Attorney for Healthcare & Financial matters • Guardianship Appointments At the end of this class attendees will have a thorough understanding of what steps they need to take to protect their spouse and heirs.

“Financial Management in Retirement” picks up right where “Can You Afford to Retire?” leaves off. This program will teach attendees the nuances of retirement accumulation and distribution planning. We will look closely at all types of qualified retirement plans, IRA’s and learn about the distribution rules. We will touch briefly on managing taxation in retirement and then begin a discussion of risk management. Attendees will evaluate risks to their life, health and property. We will then end our discussion with an explanation of the most common investments used by retirees.