Retirement Planning Today
Learn how to avoid the 10 biggest retirement planning mistakes! Whether your objective is to build a nest egg, protect your assets, or preserve your lifestyle throughout retirement, this course helps you plan your future with confidence. The need for sound financial strategies has never been greater. You’ll learn how to: create a plan to retire early, manage investment risks, use new tax laws to your advantage, make informed decisions about your company retirement plan, and adjust your estate plan to function properly under new laws. Includes a 230-page illustrated textbook. Class size is limited.

Option 1: 2 Thurs., Oct. 1 & 8
6-9 p.m., Oleson Center Rm. A
Code: 5696

Option 2: 2 Tues., Oct. 6 & 13 
6-9 p.m., Oleson Center Rm. A
Code: 5697

Instructor: Dennis J. Prout
Cost: $65 each option, includes workbook
(spouse or guest attends free)

Women’s Guide to Money Matters
Do you feel like you are sitting on the sidelines? Get prepared to be in the game! Statistics show that 9 out of 10 women will be solely responsible for planning and decisions concerning their family's financial security and prosperity at some point in their lifetime. So whether you are a business owner, a stay-at-home mom, or just someone saving for the future, developing a financial strategy should be among your top priorities - sooner rather than later. Learn the fundamentals of investing and how to make informed decisions about your money.

2 Tues., Oct. 6 & 13, 6-8:30 p.m.  
University Center Rm. 6
Instructor: Heather Boivin
Cost: $49, includes workbook
Code: 5698

Debt-Free Living: Strategies for Financial Freedom
What would it be like to live without the burden of debt? Want to learn how you can pay off your 30-year mortgage in three to four years? Pay off all your consumer debt, credit cards, student loans, car payments, etc., in one to three years? You can do it with your current income—no second job or living like a hermit. Learn specific, powerful, and proven strategies to eliminate your debts and operate on 100% cash thereafter. No insurance, investments, or get rich quick schemes will be offered or sold. This is strictly an educational workshop. Bring a list of your debt balances and monthly payments (principle and interest only for your mortgage) and develop your own debt elimination plan that can be implemented immediately into your lifestyle. Bring a calculator. A workbook is provided, and an optional textbook is available at class for $39.

Option 1: Thurs., Oct. 8 
6-9 p.m., University Center Rm. 204
Code: 5699

Kalkaska Option: Wed., Oct. 21 
6-9 p.m., Kalkaska Michigan WORKS! Center
North Conference Rm. (103 Third St.)
Code: 5701

Instructor: Mark Millis
Cost: $49 each option, includes workbook
(You may register your spouse for an additional $26)

Estate Planning 101
Good, better, best! There are many options. Find out which will or trust is suitable for your family situation. Distinguish between the facts and myths of estate planning in this common sense approach to the subject. Understand Power of Attorney forms for finance and medical purposes. Find out how to avoid or minimize probate costs and Federal estate taxes. Take home an informative 30-page booklet including checklists to help you take the next steps in your planning.

Thurs., Oct. 22, 6-9 p.m.
Oleson Center Rm. A
Instructor: James Datsko
Cost: $39        Code: 5703