Planning for Medicare is intimidating. If you or a family member is nearing the age of 65, attend this course to learn the basics of what Medicare is, how it works, how to avoid penalties and what you need to know to prepare yourself for this process. The instructor, Charles Taylor, is the owner of Four Points Advisory LLC. Investment and advisory services offered through World Equity Group Inc., member of FINRA/SIPC.

It's critical to have a solid understanding of the tax status of investments to make informed decisions and avoid paying more than you need to. Learn how future tax changes may create the potential for higher taxes, ways to create tax-free retirement income, how Social Security is taxed and how to work efficiently within current tax brackets.

A vital part of every retirement or resettlement discussion involves deciding where we want to call home! Are taxes, cost of living, medical resources, weather, location of family assets, debt or income a concern? When should we start this discussion? Which are the worst states for estate taxes? How do we establish domicile? All these issues and more will be discussed in an open and friendly manner with questions encouraged.

Do I need a will? What’s a trust? What is probate and why do people say to avoid it? With extensive estate planning experience, Julia will walk through these questions, some common myths and other elder law and estate planning topics such as probate, powers of attorney and health care directives in an informal discussion setting. Questions welcome.

Preparing your will is an important step in providing for the ones you love. Week 1: Learn the various techniques for property distribution of your estate. Explore basic estate planning concepts and assess your need for your estate plan. You will receive sample forms and language to use while you draft your own will. It will be necessary for participants to type or hand write their own document. The instructor will also cover circumstances that may require a review/revision of your will and a brief review of the benefits of a trust. Week 2: During this 30-minute session, you will sign the will you created. An attorney will not review the language in your will and legal advice will not be given.

Plan now for the unexpected with these two legal documents! You will learn about the use and benefits of the Financial Power of Attorney and Health Care Directive. The instructor will discuss the agent’s responsibilities and factors in selecting your agents. You will leave the class with completed forms.

Do you know what next steps to take so you can retire? We can help. Join us for insights to help you achieve your retirement goals! We will answer the following questions: Will I have enough to retire? Will my retirement income last? Are my assets protected? No products will be sold. You will be provided with a Zoom link prior to the virtual class.

Maximize your Social Security benefits. We’ll explore claiming rules and strategies for couples, divorcees and surviving spouses on how to get the most out of your Social Security benefit. We will discuss the important role Social Security plays in retirement planning and how to avoid becoming a victim of the "widow trap". You should attend if you’re within a few years of retirement. The instructor, Charles Taylor, is the owner of Four Points Advisory LLC. Investment and advisory services offered through World Equity Group Inc., member of FINRA/SIPC.

Take an in-depth look into many issues and problems that may be faced from our parents estate plan, or lack thereof, such as: creating a difficult probate, loss of assets to the nursing home, fighting amongst the children, senior care issues, guardianship, privacy, the continued life of the surviving parent, estate tax protection, fairness and equality, legacy assets and the flow of critical information between the generations. We will discuss actual examples of challenges and how they can be avoided with some simple planning.

Social Security is a vital income source for many retirees, but it can be a confusing topic. Making the most of your Social Security can have a lot to do with correct timing. We’ll cover when you should apply, how to maximize your benefits and how it may affect your spouse. Get answers to your questions and learn what Social Security can mean for you. No products will be sold.

How do you protect the cabin, homestead, hunting land, farm or second home to ensure its enjoyment into the future when various sources and forces threaten its very existence? We’ll cover the potential impacts of nursing home and Medicaid (MA), estate taxes, divorces, creditor and bankruptcy issues, taxes and operating expenses as we provide real-life solutions and explore four paths to resolution that will solve our problems without driving the family apart or sacrificing the family legacy asset.

Planning for Medicare is intimidating. If you or a family member is nearing the age of 65, attend this course to learn the basics of what Medicare is, how it works, how to avoid penalties and what you need to know to prepare yourself for this process. The instructor, Charles Taylor, is the owner of Four Points Advisory LLC. Investment and advisory services offered through World Equity Group Inc., member of FINRA/SIPC.