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Personal Finance

Where Does My Money Go?†

Are you one of 52% of Americans who don’t have a budget? You don’t have to be a CPA to manage your finances and build wealth within the resources that you have. Learn about budgeting, building emergency savings, paying down debt, saving for retirement and a crash course in building wealth through investments. Many of the financial questions you were afraid to ask will be answered in this course that will help you take control of your finances and help build a better future for you and your family.
FINC-735 | 1 session | $27 AGE 60+ | $39 REG
S01 Sa 9 a.m.-1 p.m. | Tiffany Smith
July 17 | Online

NEW! Social Safety During COVID-19†

Crime occurs at rest stops and travel routes every day. Explore how to protect your identity and well-being during road-trips by learning safe travel. Examine how to stay healthy and carefully navigate through COVID-19 restrictions. Gain insights from a health care worker and retired private investigator, who will share current experiences working on the frontlines of a local hospital.
FINC-765 | 1 session | $21 AGE 60+ | $29 REG
S03 Sa 10 a.m.-noon | Cheryl Ring
June 5 | MC-BA 118

Identity Theft Seminar†

If you use a credit card, checking account, or internet accounts, it’s important to be aware of the latest scams. It can take months and cost more than $1,000 to recover and clean up your identity and credit, but only two hours to learn how to prevent fraud. Learn why people lie, how to detect deception and scams, what to do if you become a victim, and how to find free investigative resources to use at home. Don’t get scammed!
FINC-765 | 1 session | $21 AGE 60+ | $29 REG
S04 Sa 10 a.m.-noon | Cheryl Ring
July 31 | Online

NEW! Identity Theft and More: Pandemic Edition†

Identity thieves are always finding ways to stay ahead of the game. When the pandemic began, the world became their playground. Learn about international scamming, counterfeiting and more. Stay one step ahead of the scammers. The Identity Theft Seminar is a precursor to this class; however, it is not required to join this class.
FINC-765 | 1 session | $21 AGE 60+ | $29 REG
S05 Sa 10 a.m.-noon | Cheryl Ring
June 26 | MC-BA 118

Investments

The Good, the Bad, and the Ugly of Annuities†

The word “annuity” has become one of those four-letter words your mother warned you about. However, while there are bad annuities, not all are. Historically, annuities are one of the most misunderstood and broadly defined financial products. Annuities can be powerful when used correctly, yet detrimental if used improperly. This course will untangle the web, teaching you if and when to use the right tool for the job, and how to properly use any annuity you may already have.
FINC-765 | 1 session | $35 AGE 60+ | $35 REG
S01 Th 6-8 p.m. | Andrew Hall
July 1 | Online

Adaptive Investment: Managing Through an Extended Bear Market†

The wealthy always seem to come out ahead. How can the average person who has done everything right in accumulating assets for retirement, use the same strategies employed by the super-rich? Explore strategies that may be unfamiliar to you by replacing the bond position in your portfolio and managing risk for a more confident future.
FINC-765 | 1 session | $35 AGE 60+ | $35 REG
S06 Tu 6-8 p.m. | Jason Ingram
June 8 | Online

Defusing Your IRA Timebomb†

View selected clips from “The Power of Zero - The Tax Train is Coming” tax documentary. This documentary is the first to explore the impact of our nation’s looming debt crisis. The film covers how the debt crisis could threaten to disrupt your traditional retirement and the possibility of a sovereign debt crisis. Learn about proactive measures to take now that will help to mitigate the possibility of increasing taxes to pay for ever increasing national debt.
FINC-765 | 2 sessions | $49 AGE 60+ | $49 REG
S07 Tu 6-8 p.m. | Jason Ingram
July 13-20 | Online

Mitigating Taxes in Retirement†

A clear strategy to address the possibility of income and capital gains tax increases should be an essential part of a successful retirement strategy. Taxes don’t necessarily go down during the retirement years. The possibility of tax increases without a well-thought out and implemented plan can change retirement goals and the face of retirement dramatically. Explore steps to take now to mitigate the impact of possible tax increases.
FINC-736 | 2 sessions | $49 AGE 60+ | $49 REG
S03 Tu 6-8 p.m. | Jason Ingram
July 13-20 | Online

Estate and Long-Term Planning

NEW! Financial Planning in Uncertain Times†

If the last year has taught us anything, it is that things can change instantly. Are you prepared? More importantly, is your financial plan ready to weather the uncertainty? All too often, our financial plan focuses on traditional “asset allocation” but is missing “strategy-level diversification.” This class focuses on how to ensure your plan is strategically diverse enough to handle cash flow, income, risk management, and growth needs, especially during the uncertainty of today’s economic climate.
FINC-705 | 1 session | $35 AGE 60+ | $35 REG
S01 Tu 6-8 p.m. | Andrew Hall
June 15 | Online

NEW! Life Insurance 101†

Life insurance, one of the most misunderstood financial tools today, is a highly debatable topic in the financial world. Often, the negative stigma comes from high-powered sales people. Since it is one of the best tax planning tools available today, understanding the ins and outs is crucial for a holistic plan. Should I get term insurance and invest the difference? Is whole life insurance a waste of money? Does universal life insurance really last? Plans today can provide tax-free benefits in case of an emergency, a long-term care event, college expenses or just about anything else. Everyone is different. Learn how life insurance is used as a strategy, not a product.
FINC-765 | 1 session | $35 AGE 60+ | $35 REG
S02 Tu 6-8 p.m. | Andrew Hall
June 8 | Online

NEW! Taxes in Retirement†

Taxes are at historic lows for many Americans today. Have you done the proper planning needed to ensure you’re in the most tax efficient position for retirement? Your portfolio might be diverse, but is your tax strategy diverse? Taxes are the number one area retirees hemorrhage money over their lifetimes. This class will focus on how to limit the taxability of Social Security, utilize tax strategies to minimize the taxes paid in retirement, limit the taxation of estate, and eliminate the tax-time bomb that is looming for your heirs.
FINC-736 | 1 session | $35 AGE 60+ | $35 REG
S01 Th 6-8 p.m. | Andrew Hall
July 8 | Online

Advanced Social Security†

Social Security always seems to be a hot-button issue. Will it even be around, especially now that COVID-19 has had its effect on the economy? Explore the economic survivability of Social Security, gain a complete run-down of how Social Security is calculated and discover how you can decide when it is best for you to claim. You’ll learn how to properly coordinate your benefit with your tax plan, your income plan, your estate plan, and even your long-term care plan. Coordination is the name of the game and, if not handled properly, claiming Social Security incorrectly can lead to decreased lifetime benefits and, perhaps, more importantly increased taxes.
FINC-736 | 1 session | $35 AGE 60+ | $35 REG
S02 Tu 6-8 p.m. | Andrew Hall
July 13 | Online

Innovative Alternatives for Long-Term Care Planning†

Extended care, also called long-term care, is something we all hope we will never need. However, the expense, both emotionally and financially, can bankrupt a family. Traditional long-term care solutions are expensive and not tax-efficient. Learn alternatives for extended care that can be structured to offer you flexibility through unlimited care benefits for you and your spouse.
FINC-746 | 1 session | $35 AGE 60+ | $35 REG
S02 Th 6-8 p.m. | Jason Ingram
June 10 | Online

Mitigating the Long-Term Care Crisis†

What is long-term care (LTC) and how do you pay for it? Do you want to go into a facility or stay at home? If you have ever experienced a friend or family member who has needed long-term care, you may understand the costs associated with providing assistance. LTC insurance can be expensive. The question is, “How do you pay for LTC without having to purchase LTC insurance?” Learn about alternative financial programs that can be used to pay for LTC for both you and your loved one.
FINC-746 | 1 session | $35 AGE 60+ | $35 REG
S01 Th 6-8 p.m. | Andrew Hall
July 29 | Online

Tax and Estate Planning†

Uncover long-term, multi-generational tax strategies aimed at saving significant dollars through retirement and beyond. New tax law changes have significantly impacted the tax strategies many pre-retirees can utilize to maximize their income, pay less taxes over the course of their lives, and pass their estate on as efficiently as possible. Examine those changes, and explore qualified versus non-qualified monies, insurance, wills and trusts, and advanced tax strategies to maximize your long-term plan.
FINC-710 | 1 session | $35 AGE 60+ | $35 REG
S01 Th 6-8 p.m. | Andrew Hall
June 10 | Online

Estate Planning: Living Trusts†

Everyone wants to do estate planning for control of their assets and for a legacy to loved ones. Learn various ways to plan an estate, avoid probate, avoid guardianships and reduce or eliminate estate taxes. Find out why a living trust may be the best solution. Taught by an attorney.
FINC-710 | 1 session | $33 AGE 60+ | $39 REG
S02 Tu 7-9 p.m. | Jacquelynn Capriano
June 15 | Online

Estate Planning: What to do When a Loved One Passes Away†

When someone passes away, often the responsibilities of settling the estate are placed on the family or trustee that is charged with wrapping up all final affairs. Learn from an estate planning attorney about the legal process from what occurs in probate court to instances where the probate court may not be needed in closing the decedent’s estate. Uncover practical pre-planning tips as well as common mistakes that can cause litigation.
FINC-710 | 1 session | $33 AGE 60+ | $39 REG
S03 Tu 7-9 p.m. | Paul Gartner
July 13 | Online

Real Estate

Real Estate Investing for Income†

True financial wealth is about having the unearned income to finance your life goals without having to work. The key is to understand what you are buying by having solid knowledge and a good plan. Find out how to plan your investment strategies in order to find true financial wealth!
REAL-712 | 1 session | $23 AGE 60+ | $29 REG
S01 Th 7-9 p.m. | Jill McCoy
July 8 | Online

How to Be a Successful Landlord†

Increase income on your real estate investments by improving your skills as a landlord! Learn how to lower property damage and eviction costs by performing effective initial screening on potential tenants. Discover how to be creative by using the telephone, interview, computer, rental application and lease expectations to avoid an undesirable tenant-landlord relationship. One hour lunch on your own.
REAL-720 | 1 session | $48 AGE 60+ | $69 REG
S01 Sa 9 a.m.-5 p.m. | Mary Hankins
July 10 | FP-G 325

 

† Courses offered through St. Louis Community College Continuing Education are for educational purposes only. While this information is believed to be reliable, participants should consult with licensed professional regarding your specific situation.

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