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Personal Finance

Annuities, Not Your Grandmother’s Ones†

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 complexities of annuities before revealing the merits of the ones that fit your situation the best.
FINC-765 | 1 session | $39 AGE 60+ | $39 REG
F05 Tu 6-8 p.m. | Jason Ingram
Sept. 21 | Online

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. Annuities are one of the most misunderstood and broadly defined financial products. They can be powerful when used correctly, yet detrimental if used improperly. Untangle the complexities of annuities, and understand the merits of the ones that best fit your situation.
FINC-765 | 1 session | $39 AGE 60+ | $39 REG
F01 Th 6-8 p.m. | Andrew Hall
Oct. 14 MC-SO 107

NEW! Three Ways to Help Take Back Control of Your Financial Future†

Understand the recent pandemic’s impact on the economy and individuals, and, more importantly, how to regain confidence in your financial outlook no matter what the future holds. Explore risk analysis, Roth conversion, retirement income plans and social security analysis and consideration of a fixed index annuity.
FINC-765 | 1 session | $39 AGE 60+ | $39 REG
F06 Th 6-8 p.m. | Jason Ingram
Sept. 23 | Online

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.
FINC-765 | 1 session | $31.50 AGE 60+ | $39 REG
F03 Sa 10 a.m.-noon | Cheryl Ring
Sept. 25 | MC-BA 118

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, but is not required to join this class.
FINC-765 | 1 session | $31.50 AGE 60+ | $39 REG
F08 Sa 10 a.m.-noon | Cheryl Ring
Nov. 13 | MC-BA 122

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 | $31.50 AGE 60+ | $39 REG
F04 Sa 10 a.m.-noon | Cheryl Ring
Oct. 16 | Online

Where Does My Money Go?†

Are you one of the 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. Take control of your finances and help build a better future for you and your family.
FINC-735 | 1 session | $34.50 AGE 60+ | $49 REG
F01 Sa 9 a.m.-1 p.m. | Tiffany Smith
Oct. 16 | Online

NEW! How to Help Protect Yourself from a Potential Tax Storm†

National debt out of control, unfunded liabilities, sovereign debt crisis; what’s next? Learn how to protect your IRA and your retirement income from the possibility of tax increases. Discover how the wealthy protect their assets and produce tax-free income.
FINC-765 | 2 sessions | $49 AGE 60+ | $49 REG
F11 Tu 6-8 p.m. | Jason Ingram
Nov. 2-9 | Online

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 you 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 | $39 AGE 60+ | $39 REG
F01 Tu 6-8 p.m. | Andrew Hall
Nov. 16 | FP-F 325

Long-term and Estate Planning

Life Insurance 101†

Life insurance is of the most misunderstood financial tools, and is often hotly debated in the financial world. Often times, the negative stigma comes from high powered sales people. Being that it is one of the best tax planning tools available today, understanding the ins and outs is crucial for a holistic plan. Plans today can provide tax-free benefits in case of an emergency, a long-term care event, college expenses, or just about anything else. Learn how life insurance is used as a strategy, and not a product.
FINC-765 | 1 session | $39 AGE 60+ | $39 REG
F02 Tu 6-8 p.m. | Andrew Hall
Oct. 19 | MC-SO 107

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 | $31.50 AGE 60+ | $39 REG
F02 Tu 7-9 p.m. | Jacquelynn Capriano
Oct. 5 | 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 upon the family or trustee that is charged with wrapping up all the 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 | $31.50 AGE 60+ | $39 REG
F03 Tu 7-9 p.m. | Paul Gantner
Oct. 12 | Online

Revocable Trusts, Wills and Powers of Attorneys†

Learn about your planning options, both for property distribution upon death as well as decision-making authority while alive. Class discussion will focus on wills, the probate process and avoiding probate with revocable trusts and beneficiary designations. Powers of attorney for financial and health care purposes will also be discussed. Taught by an attorney.
FINC-710 | 1 session | $31.50 AGE 60+ | $39 REG
F04 Tu 6-8 p.m. | Yvonne Homeyer
Sept. 14 | STLCC-Corp 207

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 | $39 AGE 60+ | $39 REG
F01 Th 6-8 p.m. | Andrew Hall
Oct. 21 | STLCC-SoCo 118

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 when it is best for you to claim. Learn how to properly coordinate your benefit with your tax plan, income plan, estate plan, and long-term care plan. Coordination is the name of the game; if not handled properly, claiming Social Security incorrectly can lead to decreased lifetime benefits and, perhaps, more importantly increased taxes.
FINC-736 | 1 session | $39 AGE 60+ | $39 REG
F01 Tu 6-8 p.m. | Andrew Hall
Sept. 14 | MC-SO 107

Navigating Social Security Options†

What is the best way to decide when to claim? Learn how to navigate the challenges in how you take your Social Security and where the breakeven analysis rests. Your health, your age and your other income will help to analyze the many paths one can take in deciding when to take your benefits.
FINC-765 | 1 session | $39 AGE 60+ | $39 REG
F10 T 6-8 p.m. | Jason Ingram
Nov. 23 | Online

Managing Cash Flow in Retirement†

Living in retirement is all about the cash flow, not the pile of cash. Learn about retirement income planning and threats to cash flow during your retirement years. Real life case studies will explore retiree health care costs and the impact of taxes and withdrawal rates on investment account longevity.
FINC-736 | 1 session | $39 AGE 60+ | $39 REG
F02 W 6-8 p.m. | Andrew Hall
Sept. 15 | MC-SO 107

NEW! Navigate Retirement Income and Tax Risks†

Focus on important topics proven to resonate with today’s retirees and soon-to-be retirees. Examine the damaging impact of taxes on one’s retirement outlook while exploring the risk of the market and current economy on the possibility of not having enough income in retirement.
FINC-736 | 1 session | $39 AGE 60+ | $39 REG
F04 Th 6-8 p.m. | Jason Ingram
Oct. 7 | Online

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 is diverse, is your tax strategy diverse? Taxes are the number one area retirees hemorrhage money during a lifetime. Learn how to limit the taxability of Social Security, use tax strategies to minimize the taxes paid in retirement, and focus on how to limit the taxation of estate, and the elimination for the tax-time bomb that is looming for your heirs.
FINC-736 | 1 session | $39 AGE 60+ | $39 REG
F03 Th 6-8 p.m. | Andrew Hall
Nov. 18 | MC-SO 107

Defusing Your IRA Timebomb/Mitigating Taxes in Retirement†

See ways to mitigate your taxes in retirement by solid planning. In retirement, the taxes on these deferred taxation accounts matter. Learn strategies to defuse that time-bomb and create a more stress-free retirement.
FINC-765 | 2 sessions | $49 AGE 60+ | $49 REG
F07 Th 6-8 p.m. | Jason Ingram
Dec. 2-9 | Online

Live, Quit or Die: Long-term Care Solutions†

Learn how traditional long-term care insurance compares to some exciting hybrid solutions. Never worry about moving in with the kids again and take control of your extended care.
FINC-765 | 1 session | $39 AGE 60+ | $39 REG
F09 Th 6-8 p.m. | Jason Ingram
Oct. 14 | 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 | $39 AGE 60+ | $39 REG
F01 Th 6-8 p.m. | Andrew Hall
Dec. 2 | MC-SO 107

 

† 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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