Finance and Investments
Offered through Continuing Education
@ Meramec | Wildwood | South County Education Center | Off-Site
Increase your knowledge of finance and investing with classes that explore stocks and bonds, identity theft and keeping track of your money.
Please call 314-984-7777 to register for classes by phone, or click the button above to register and pay online.
If you use a credit card, have a checking account, or use the internet, it is important
that you be aware of the latest scams. It can take months and cost over $1,000 to
recover and clean up your identity and credit, but only two hours to learn how to
prevent it. Through this informative, example-based class, you will learn why people
lie and how to detect deception; scams and the dos and don’ts; the who, what, where,
when, how and why of identity theft; what to do if you become a victim; and free investigative
resources you can use at home. Don’t get scammed!
FINC:765 | 1 session | $21.50 AGE 60+ | $29 REG
Where Does All My Money Go? Gain Control of Your Finances
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. Bring a sack
lunch and drink.
FINC:735 | 1 session | $25 AGE 60+ | $35 REG
NEW! Preparing for the Unexpected
Prepare for financial emergencies and unexpected circumstances that could potentially
derail your retirement plans. Taught by a financial advisor, this course outlines
ways you can anticipate large financial emergencies while staying on track toward
your financial goals, even when life challenges arise.
FINC:765 | 1 session | $35 AGE 60+ | $35 REG
Foundations of Investing
Are you just getting started with personal investing or want to learn more so that
you can better communicate with your current financial advisor? Come learn about the
basics of investing including the key features of bonds, stocks and mutual funds;
the investment pyramid and the importance of asset allocation; how to set SMART financial
goals; risk tolerance and the portfolio objective that is right for you; and the impact
of inflation and tax diversity on your long-term goals.
FINC:705 | 2 sessions | $39 AGE 60+ | $39 REG
Understanding Wall Street
Understanding how stocks, bonds, mutual funds and the various financial vehicles of
Wall Street function is essential to a solid financial backbone. Learn what these
vehicles are, how they work and separate fact from fiction when it comes to fueling
your retirement fire. Discussion will include how these items work and how the taxes
and fees woven into these vehicles can affect your bottom line. Gain an overview of
differences between stocks, bonds and mutual funds; tax considerations (the ultimate
loophole); fees; common financial myths; how to overcome obstacles in order to create
wealth; and ways exit strategies can affect your legacy.
FINC:765 | 1 session | $29 AGE 60+ | $29 REG
NEW! DIY Financial Planning
Learn from the author of “Achieving Financial Stability in America” how you can do
your own financial planning like a pro while minimizing costs. Having a great job
with a nice salary is not enough to achieve financial stability. Understanding tax
benefits that are readily available for savers and ways to protect your assets from
creditors is also essential. This dynamic two-session course explores various financial
topics including credit, loans, financial products, investment, retirement planning,
education planning, personal taxes and estate planning.
FINC:765 | 2 sessions | $29 AGE 60+ | $49 REG
Managing Investment Risk in Bear Markets
In this class, we will explore how to preserve and grow your assets in a Bear Market.
The market is up, the market is down. Interest rates are increasing. Tax cuts and
booming deficits make us question the sustainability of the longest bull market in
history. RMDs (Required Minimum Distribution) must be well-planned – we need our retirement
savings to last a lifetime! How could all these unknowns affect our legacy? What tactics
and strategies do the wealthy utilize in down markets? Get the answers to these questions
and more in this class.
FINC:705 | 4 sessions | $35 AGE 60+ | $35 REG
Paying for Long Term Care: Alternative Funding Options
What is long term care (LTC) and how do you pay for it? If you have ever experienced
a friend or family member who has needed long term care, you understand the costs
associated with providing this assistance. The question is how to pay for it without
having to purchase long term care insurance. Class will focus on alternative financial
programs that can be used to pay for LTC instead of specifically buying a long term
care insurance policy.
FINC:746 | 1 session | $25 AGE 60+ | $25 REG
Are you providing long term care as a caregiver? Be sure to check out “Caregiving At Home.”
NEW! Leveling Up: Buying vs. Renting
Are you a renter who has #goals of buying a home, or a current homeowner wondering
whether renting makes more sense for your lifestyle? Hungry for a change but don’t
know where to start? It may be time to evaluate the relative costs, benefits and drawbacks
of owning versus renting your home! Join a real estate professional and make a plan
for the best option for your living situation!
REAL:765 | 1 session | $13 AGE 60+ | $19 REG
NEW! The Upside of Downsizing
We accumulate a lot of things over the years, but eventually the extra stuff needs
to go! Whether it’s choosing a simpler lifestyle, empty-nesting, or entering independent
living, downsizing can seem overwhelming in the beginning. Which comes first, getting
rid of clutter or getting organized? Listing the house or finding your new home? From
paring down the excess to moving to a smaller space, let us help you explore the upside
REAL:765 | 1 session | $13 AGE 60+ | $19 REG
Buying a Home? Top Home Buying Mistakes to Avoid
“If only we had known…” is the sad tale of too many home buyers. Purchasing a home
is the largest investment you’ll ever make. Discover home buying mistakes to avoid
and the inside scoop to avoid surprises at closing. Learn what you should know before
you purchase, what to expect throughout the process, strategies to obtain the best
value, the importance of understanding contracts you sign, getting the right inspections
before closing the deal and how to safeguard yourself in any market.
REAL:701 | 1 session | $19 AGE 60+ | $25 REG
Home Selling: Your Guide to a Successful Sale
If you’ve never sold a home before—or even if you have, but it’s been a while—it’s
important to know your marketing options. Learn what to expect from the home selling
process, ways to add impact and value to your home for top dollar offers, how to use
knowledge of competition in your area to determine a realistic selling price, the
pros and cons of “for sale by owner” and how to find the right agent to sell your
house. In one evening, learn inside track tips that can get you the best deal for
REAL:702 | 1 session | $19 AGE 60+ | $25 REG
Real Estate Investing for Income
True financial wealth is about having the unearned income to finance your life goals
without having to work. Private market commercial real estate returned an average
of 8.4% over the 10-year period from 2000 to 2010. The key is to understand what you
are buying by having a solid knowledge and a good plan. Find out how to plan your
investment strategies to lead to true financial wealth!
REAL:725 | 1 session | $23 AGE 60+ | $29 REG
Preparing Your Estate Plan
Designed for anyone who would like to better understand the basics of estate planning,
this course explores factors to consider when creating a will, the benefits of trusts
in estate planning, how to help reduce taxes on estates and how insurance can help
protect your family. In addition, learn the importance of beneficiary designations,
transfer on death registrations (TODs), payable on death registrations (PODs), powers
of attorney and health care directives. You don’t have to be wealthy to make a plan
for your heirs! Taught by both a financial advisor and an estate attorney.
FINC:710 | 1 session | $35 AGE 60+ | $35 REG
Tax and Estate Planning
This course outlines long-term, multi-generational tax strategies aimed at saving
the retiree significant dollars through retirement and beyond. The new tax law changes
of 2018 have had a significant impact on 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. This course examines those changes,
and takes a dive into qualified vs. non-qualified monies, insurance, wills and trusts,
and basic as well as advanced tax strategies to maximize your long term plan.
FINC:710 | 1 session | $35 AGE 60+ | $35 REG