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. 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.

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.

The Concern: Our family has cabin, homestead, hunting land, farm or second home: How do we protect this family legacy and move its use and enjoyment into the future? The Problem: Various sources and forces threaten its very existence: The nursing home and Medicaid (MA), estate taxes, family divorces, creditor and bankruptcy issues, taxes and operating expenses, unequal resources of owners, the in-laws, and use and enjoyment equality. The Answer: We will provide real-life solutions and explore four paths to resolution that will solve our problems without driving the family apart or sacrificing the family legacy asset. 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.