Roseville Community Education Program

Explore the tax benefits and tax advantages available when planning for your estate. We will discuss the current tax law under The American Relief Act of 2012, federal gift and estate tax reduction techniques and you will become familiar with the personal and business tax ramifications associated with estates.

What is estate planning and why is it crucial?  This class explores the purposes for estate planning, basic plans for married couples and single individuals, and reviews wills and trusts in detail.  We will also review powers of attorney, guardianships, health care directives, and the probate process.  A well-planned estate will allow the maker to stay in control even in the event of disability, and will avoid probate and unnecessary fees and delays upon death.

We all come into the world with nothing and leave with nothing, we have all heard this. The biggest fear for most baby boomers is how to pay for the nursing home and still leave the next generation something. With ever changing estate planning laws and great increases in nursing home costs the fear is real. In today’s world you need to understand what your options are. Is long term care insurance for you? What about home care? Should I gift my money away? Would I qualify for Medicaid? What about my current Trust, does it avoid the nursing home? What is the 60 month claw back? What if my spouse goes into the nursing home and exhausts our money? We will walk through these questions and many more, including how to plan and place your assets to meet your nursing home goals.

First impressions are priceless when seeking a new job. In this course, we will discuss strategies for leaving a lasting impression during the interview process. Avoid awkward moments by having polished answers ready in advance no matter what question the interviewer asks. We will cover key tips for preparing for an interview - from appearance to common questions to tips for how to best structure your answers. We will also cover Do's and Don'ts of interviewing. Short mock interview sessions will be utilized to show these strategies "in practice."

Dividing an estate can lead to bitter battles between siblings and impact relationships forever.  Learn how to keep your cabin, farm or business in the family without creating a family conflict.  We will discuss ways to ensure your children receive equal inheritance, the impact of taxes, and how to properly position your assets for the next generation.

Many people dream of owning their own business. Find out how to make the dream a reality by learning the practical aspects of choosing a form of business (corp or LLC) and the various resources that are available for starting a business. We will also cover topics such as personal liability, proper organization, and the documents needed to incorporate or organize your business.

In an instant your life can change... and your family's. Where would you receive care? Who would provide it? How would you pay for it? Please join me to learn more about long-term care and how you and your family can prepare for it – emotionally, physically and financially.

First impressions are priceless when seeking a promotion or a new job. Learn how to build a resume that presents your talents, skills and experience in the best light. We will cover the value of a strong resume, best formatting structures and how to write a resume that really showcases the value you bring to a new position. we will also cover some basic Do's and Don'ts of resume building. Bring your current resume for personalized feedback as well.

Many of the common strategies for retirement utilized by your parents have become outdated and may no longer apply to those looking to retire today. This class determines the old retirement paradigms and then educates you on the strategies of today as you prepare for The New Reality of Retirement. Learn how to insulate yourself from risks like rising taxes, protect your Social Security from reduction and taxation, and avoid common pitfalls through the distribution of your assets in retirement. Most importantly, you will learn how to develop a personalized strategy as you face the difficulties of retiring in an increasingly complex world.

We all have goals, sometimes our goal is to gift assets to others. If the gift is to family members or an organization, there is a proper way to gift the money. We will discuss pros and cons to gifting your money. Including the Who, What, When, Where and Why of gifting. Who should I gift to? What should I gift? When should I gift? Where should I gift to? Why should I or shouldn’t I gift? We will also cover how to leverage your gift, tax deductibility of the gift and how to control the gift after death. You will gather a better understanding of how to properly gift your money and control the gift. 

Whether you are married, single, or divorced, it is important to have a will to make sure your wishes are honored. Learn about estates and wills while preparing your own legal will during class. You will receive all of the tools needed to complete this important document, including instructions, a professionally prepared form, witnesses, and a notary public. This class is tailored to people who have an estate of less than $2 million and do not own a business. Spouses must register separately.

What is the overall impact paying for college can have on parent finances? Please join me to learn how you can prepare for your college student’s education costs and share the learning opportunity it represents for your student to learn responsible financial decision making. NOTE: The content focus is directed at families with high school aged students.