Roseville Area Schools Community Education

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. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.

FAFSA? CSS Profile? Merit money? In this seminar, we will explain what each of these things is and offer many more practical tips and tricks that can be used right away to help high school scholars achieve their dreams without accruing mountains of debt. This interactive seminar is designed for both parents/caregivers and high school students, and a copy of the slide deck will be made available by request following the class. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.

This is a comprehensive, 5-hour, retirement planning course broken into two, 2.5-hour, evening sessions that includes a 100 page book all for $49. We cover maximizing income sources like social security, annuities, pensions and investment withdrawals. We discuss minimizing taxes and tax diversification in tax deferred and tax free accounts like Roth IRAs, Roth 401(k)s, Roth conversions and Health Savings Accounts. We include an investment education section on stocks, bonds and mutual funds. We dive into retirement risk management including Medicare, Medicaid, disability insurance, long term care and life insurance. And we close with high level estate planning. One additional guest may attend at no additional cost. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.

A vital part of every retirement or resettlement discussion involves the roadmap of issues that help us decide where we want to call home! Is it Taxes, the Political Landscape, the Weather, the location of Family assets, Debt or Income concerns in Retirement, Cost of Living, Health Concerns or . . . our Friends are already there! When should we start this discussion? Did you know many States do not tax Social Security, Pensions or other Qualified Retirement Income sources? Which are the worst states for Estate Taxes? How do we establish Domicile? How about quality of medical resources and retirement facilities – who is good, who is not-so-good? All these issues will be raised and discussed in an open and friendly manner with questions encouraged. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.

Do you know what the most oversold and misunderstood legal product on the market is today? The answer is a Revocable or Living Trust. Most people believe that their trust shields the assets from the nursing home and creditors. In Minnesota, Revocable Trusts are subject to the nursing home and creditors. If you can change the Trust, the nursing home and creditors can access the money in the Trust. In this class you will learn about the pros and cons of a revocable trust and if it is a fit for you. You will also learn about other options. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.

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. Registration for all class sessions closes 3 days before the start date. Late Registration: If you miss the deadline but are still interested, you can contact the Community Ed office by emailing us at CommunityEd@isd623.org or calling: 651-604-3770. Space may be limited, but we'll try our best to accommodate late registrations.