Page 23 - Sunnyvale-Cupertino Adult School Q2 Catalog 2016

Financial Foundations
Everyone can benefit from a financial plan that is tailored to individual needs and circumstances. A financial roadmap can motivate you to save
Finance Classes
money, help you meet your financial goals, and improve your overall financial security now and in the future. Class taught by: Steve Hoffman, CFEd®CFE Certified Financial Educator. In this seminar on Financial Planning Basics, you’ll learn: • How prepare a budget and the importance of
establishing an emergency fund
• Credit fundamentals
• Basic investment concepts, including risk
tolerance and the difference between pre-
tax, after-tax, and tax-deferred investments • Basic estate planning concepts
You’ll also receive a free workbook created just for this presentation. The workbook contains key information, worksheets, and questions to help you remember important points from the seminar.
Instructor: Hoffman Reg Fee: $40 252260 W
1 session Location: FHS/Rm 41 6:30-9pm 11/2
Investment Strategies
Retirement Planning
Are Your Investments on Track? The best investing strategy is a carefully planned and prepared approach to managing and accumulating money. In this class on Investment Planning, you will learn: How Money Works, the Five Enemies of Money, the Most Important Factors in Investment Performance and so much more! You’ll also receive a free workbook created just for this presentation.
Americans are living longer, healthier lives than ever before. We’re retiring earlier and doing more in our retirement years.
Many of us look forward to retirement as a reward for a lifetime of hard work; we see an opportunity to spend time with loved ones, pursue hobbies, and travel. Some of us will start new careers. Others will go back to school. The one thing that we have in common is the fact that we all want to be financially independent. A realistic retirement strategy can make this a reality.
Instructor: Hoffman Reg Fee: $40 252361 W
1 session Location: FHS/Rm 41
Tax Strategies for All
In this class is we will cover:
• Introduction To Qualified Plans
• 401(k)/403(b) Plans/IRAs & 457 Plans • Traditional IRA Guidelines
• IRA Opportunities
• Roth IRA/Roth 401(k)
• Deferred Compensation
• Employee Stock Option Plan
• Required Minimum Distribution
• Retirement Planning Rules & Needs • Retirement Questions To Consider
6:30-9pm
11/9
Taxes follow us from birth until death. For most of us, our life time tax bill will be our single biggest expenditure. This is why we really need to carefully plan, create, and then manage our personal tax strategies. But first, we need to educate ourselves on this very important topic. In this class we will cover:
Marginal tax rates Income impacts on taxes Tax sensitive investments Tax related diversification
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•
Instructor: Hoffman
Instructor: Hoffman
1 session Location: FHS/Rm 41
Proper tax planning for retirement The “Gain” on capital gains
11/30
An estate plan is a map of how you want your personal and financial affairs to be handled in the future. An effective estate plan can help ensure that your family’s financial needs will be taken care of, and that your personal wishes will be carried out in the manner you intended. It’s a critical part of your overall financial plan. In this seminar on Estate Planning Basics, you’ll learn:
• •
• •
skipping transfer tax
You’ll also receive a free workbook created just for this presentation. The workbook contains key information, worksheets, and questions to help you remember important points from the seminar. Class taught by: Steve Hoffman, CFEd® CFE Certified Financial Educator.
Instructor: Hoffman 1 session Reg Fee: $40 Location: FHS/Rm 41 252425 W 6:30-9pm 12/7
Alternative tax-free plans
Tax sensitive investing and strategies How will your retirement income be taxed
Ways to a lower tax bracket for lower and higher income earners
Taxation of social security benefits
Reg Fee: $40 252417
W
1 session Location: FHS/Rm 41
Estate Planning Basics
6:30-9pm
11/16
Reg Fee: $40 252257
W
6:30-9pm
Financial Planning in the
Serving as a caregiver can be among the most rewarding things a person can do for a loved one. It can also be among the most stressful and overwhelming responsibilities, especially when caring for someone living with Alzheimer’s disease and other forms of dementia. Because caregivers often juggle many responsibilities, including tending to their loved ones’ day- to-day needs, important affairs inevitably get overlooked. One’s financial needs can be among the most common. This course include a panel of professionals from varying professionals to help provide insight into the challengers associated with caring for a loved one with dementia.
Shadow of Dementia
Instructor: Jacksteit Reg Fee: $70 252275 Tu
2 sessions Location: CHS/Rm 420 6:30-9pm 11/29-12/6
Why you need an estate plan
Strategies to plan for incapacity, including
Scan for Finance classes
special health care directives
Wills, trusts, and life insurance
Key tax basics, including an overview of the
federal gift tax, estate tax, and generation-
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