This informative class explores common estate planning pitfalls, misconceptions, and misinformation found in today’s marketplace. Participants will learn about practical tools and strategies designed to support a smooth transition between generations, understand the tax implications of various planning choices, and protect hard-earned assets. This session is designed to help you gain clarity and confidence when making decisions for yourself and your family’s future. All questions are encouraged in this open, discussion-based presentation. 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. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

With our presenters’ over 50 years of practice with Minnesotans planning for and reaching their retirement years, we have learned time and time again that whether you are in your 40s, 50s, or 60s there are several milestones and overlooked life areas where mistakes can lead to results that range from discomfort to disaster. Let’s identify those issues for you in a comfortable learning session full of real-life examples and opportunities to get questions and issues answered. 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. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

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. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

You work your whole career with the goal of someday retiring. This seminar covers the crucial years leading up to your retirement date, the active years of your retirement, and the winding down of your retirement years. Subjects will include: (i) Estate planning while working, during retirement and at the end of life, (ii) When to take your Social Security, (iii) Key financial products and services available in the market (Medicaid complaint annuities, Long Term Care Insurance, Life Insurance Long Term Care Riders), (iv) What to look for in a professional (Financial Advisor, CFP, RIA, Fiduciary)?, and (v) the final plans before the end – what can be too little too late? Please bring your questions, this class is an interactive forum. 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.

Unlock the secrets to earning money around the clock. This dynamic class teaches you practical strategies and step-by-step tools to develop, launch, and automate income-generating products that keep working for you with minimal ongoing effort. You’ll learn how to identify profitable opportunities (50 ideas included!), build irresistible offerings, master automated sales and marketing systems, and scale your income streams—all while protecting your work and overcoming common hurdles. Get ready to transform your ideas into a powerful, passive income machine that works day and night. 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. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

This is a relaxed and friendly open-forum seminar for participants with a seasoned Will & Trust attorney. Questions like: Should I avoid Probate? Is a Will good enough? Do I need a Trust? How does my plan deal with the nursing home? How do we gift the assets of husband and wife? What about separate assets not of the marriage? If I am alone, what tools protect me best? How do I decide who should serve in my estate plan? What is the death tax? How do I avoid leaving a mess for my children? Which Trust is best for my needs? Can I use a Transfer-On-Death Deed? How do my retirement assets operate in my Will or Trust? All questions will be answered! 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. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.

Learn how to save $$$ every day with extreme couponing. Coupons are NOT just for groceries. The savings can add up to HUNDREDS or even THOUSANDS of dollars every year. This comprehensive workshop will teach you: * where to find all different types of coupons, even for high ticket items * how to find the best coupon apps and websites * how to match coupons with sales for maximum savings This workshop is taught by someone who has used many couponing secrets to save thousands. Informative handouts for future use are included in class fee. The webinar login information will be emailed the day before 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. Refund Policy If you need to cancel your registration, in order to receive a refund, you must notify Roseville Area Schools Community Education at least one (1) week prior to start date of the class/event/camp/activity, and that I will be issued a refund minus a $5 service charge. Registrations are not refunded in the event of a weather cancellation.