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Noncredit Continuing Education Winter & Spring 2015 Courses

NOTE: Room numbers are posted in each building lobby on the day of class.   

Retirement Planning for Today
Are you overwhelmed by the myriad of financial decisions you must make in order to ensure that you can retire? There are so many products and ‘sales pitches.’ Today, “retirement” means something completely different than it did even 30 years ago. This course is designed to integrate planning for life–through all of its phases–with an understanding of the many tools: qualified plans and IRAs, investments, insurances, tax laws, estate documents and planning that can help you effectively achieve YOUR objectives. Whether you are just beginning to develop a plan or are rapidly approaching retirement, this course will focus on mastering the critical ability to properly allocate your financial resources; understand the phenomenon of global markets; fully comprehend and put into action the right investment and tax-efficient strategies; and become a more disciplined investor. After all, your whole financial well-being depends on these things. This course includes a textbook. Couples may attend together for a single registration fee. Class sizes are limited, so register today. Instructor J’Neanne Theus. $89 (includes $65 in fees*)

Thu 6:30pm-8:30pm, Mar 5-Mar 19 ** This section is $79 (includes $65 in fees*)
   XE-151 6544 #9757 Centennial High School

Thu 6:30pm-8:30pm, Apr 16-Apr 30
   XE-151 6970   #4581 Centennial High School
Tue 6:30pm-8:30pm, Apr 21-May 5 **$79
   XE-151 6973   #4580 Centennial High School

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Rejuvenate Your Retirement: A Class for Retirees 
This course includes a 143-page illustrated workbook. Couples may attend together for a single registration fee. Class size is limited, so register today! This unique and comprehensive course focuses on the issues and financial concepts that are important to retirees. In straightforward language, this class explains financial strategies designed to accomplish objectives such as tax-efficient income planning, lifestyle preservation, inflation protection and providing a legacy. However, money is only one aspect of post-retirement planning. We introduce fun and fulfilling activities such as travel, hobbies, sports, crafts, socializing, business ventures and lifelong learning to help you make the most of your retirement years. Instructor: Chris Gordon. $59** (fee based, no waivers)
Thu 1pm-3pm, Jun 4-Jun 11
   XE-144 6939   #5527 Gateway Campus
Tue 10am-12pm, Jun 9-Jun 16
   XE-144 6952   #5531 Gateway Campus

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Optimize Social Security Income: A Winning Retirement Strategy

Choosing the best time to begin claiming Social Security is arguably one of the most important decisions a retiree will make. The techniques used to maximize this income are little known and can be complex. This course, offered by Lorie A. Scheibel of Lincoln Financial Advisors, will provide an overview of the Social Security program as it applies to retirement planning. It will cover the basic strategies that are available to maximize benefits for singles, divorced persons and spouses as well as widow and widower benefits. This information will be useful for retirement income planning purposes for those near or in retirement. $35** (fee based, no waivers)
Sat 9:30am-11:30am, Apr 18
   XE-249 6940   #4601 Hickory Ridge

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Retirement Income and Income Tax Planning 
Everyone wants to save enough for their retirement. However, planning for the income phase of your retirement requires that you explore several aspects and different approaches in order to survive well in retirement. Income planning for retirement is a “whole different ballgame” today. Topics covered in this class include: risks and strategies to consider during accumulation vs. distribution; structuring investment income to reduce taxes; maximizing retirement income by understanding social security key issues; determining whether social security will be enough and will you get the most of it; recognizing unnecessary tax payments on social security benefits; being mindful of taxes when diversifying assets; covering inflation in your income; understanding and agreeing with your financial plan. Join instructor Andrew Paladino, CPA and financial advisor, to obtain this information. $49** (includes $40 in fees*)
Wed 7pm-9pm, Apr 29
   XE-191 6924   #4585 Centennial High School

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Accumulating Wealth Through Tax Efficient Investing
This class will help you better understand how to invest in stocks, bonds, and other investments in a tax efficient manner. Topics covered include identifying and purchasing investments to maximize tax benefits, deferring taxes on investments, using research to better understand your investments, and comparing individual securities such as stocks and bonds to mutual fund investing. Instructor: Roger Desai, president of RSD Financial. $49** (includes $40 in fees*)
Sat 9:30am-12:30pm, Mar 7
   XE-246 6530 #0472 Hickory Ridge
Mon 7pm-9pm, Apr 20
   XE-246 6942   #4599 Oakland Mills High School

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IRA 401(k) Distribution Options
How do you plan to maximize your retirement benefits when you retire? This class will discuss tax reduction strategies to plan for a retirement income that will last a lifetime. You will learn: to maximize your income during retirement; to recognize the importance of beneficiary designations; to address healthcare concerns and asset protection stategies; how to convert IRAs into Roth IRAs; how to keep money in your IRAs using the stretch IRA concept. $49** (includes $40 in fees*)
Sat 10am-12pm, May 2
XE-604 6945   #5762 Hickory Ridge 108

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Upgrading: Successful No-Load Mutual Fund Investing

Build your personal fortune for retirement through the proven strategies of no-load mutual fund upgrading. This course will explain advantages of investing in no-load funds, describe risk and proven ways to mitigate risk by growing rich slowly over time through diversification. Upgrading is a method of momentum style investing that helps the “diy” investor. As more individuals are required to manage their own 401K plans, this course will help you understand the very best means of securing a wealth retirement. In addition to being a full-time school psychologist, instructor David Holdefer has been a successful independent investor for over 25 years. $89** (includes $40 in fees*)
Mon 7pm-9pm, Feb 23-Mar 9
   XE-192 6615 #9767 Gateway Campus

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Investment Strategies: The Basics and Beyond
Are you confused about your financial future? Would education and guidance give you the peace of mind to deal comfortably and confidently with your money? Take the confusion out of investing by learning how stocks, bonds, mutual funds, annuities, options, investment strategies, and evaluation and minimization of risk would benefit you in today’s economy. Instructor: Merle Ross, M.Ed., MBA, CFP, ChFC. $89 (includes $40 in fees*)
Tue 7pm-9:30pm, Mar 10-Mar 17
   XB-408 6598 #9740 Gateway Campus

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Little-Known Secrets of Paying for College
Learn how to send your child to the college of his/her dreams without bankrupting your retirement. Debunk myths such as in-state schools being more affordable than private schools. Learn how college financial aid (including FAFSA and CSS Profile) is calculated. Learn strategies for repositioning your assets to minimize the amount the government determines you can afford to pay. Find out how to use the IRS to fund college through “tax scholarship.” Gain the tools and knowledge to meet your goals. $59** (includes $40 in fees*)

Tue 6:30pm-9pm, Feb 24
   XE-354 J1470 #0468 Laurel College Center
Tue 6:30pm-9pm, Mar 10
   XE-354 6600 #9785 Gateway Campus

►Tue 6:30pm-9pm, Apr 21
   XE-354 J1658   #5989 Laurel College Center
►Tue 6:30pm-9pm, Apr 28
   XE-354 6912   #4608 Gateway Campus

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Imagine: Your Life Without Limits
Is the idea of retirement weighing heavily on your mind? Are you concerned about the transition from a structured work life and the cost of retirement? Imagine “your life without limits.” Visualize and document your core values, hopes and dreams to prepare for what lies ahead. Communicate expectations for the future with your partner. Make plans for a rewarding and fulfilling retirement by learning to address your physical, mental, spiritual and financial well-being. This workshop is designed to incorporate your dreams and goals for the future with a new or existing financial plan. Ensure that your future dreams are within reach. This course is FREE, but you must register. 
Sat 10am-12:30pm, Feb 21
   XE-599 6552 #9801 Hickory Ridge

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Estate Planning 101: Are Your Personal Affairs in Order? ★NEW!★
This informative seminar will describe the primary documents that serve as the foundation of any well-conceived estate plan, including a Will and/or Revocable Trust, a General Power of Attorney and an Advanced Directive. The course will also explain the unintended, and sometimes unfortunate, consequences that can result if an individual fails to put the foregoing documents in place. Edmund W. Law, the instructor, is a Frederick-based attorney who has practiced law for more than 20 years. $39** (fee based, no waivers)
Wed 7pm-9pm, May 6
XE-258 6934   #4739 Gateway Campus

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Estate Planning for Special Needs Families
This seminar will focus on the unique estate planning challenges faced by families with children of all ages who have special needs. The class will address how parents and relatives can use traditional estate planning vehicles and third party trusts to set aside assets for their children in a manner that will enable them to qualify/remain eligible for needs-based benefits (SSI, Medical Assistance, etc.) and provide a source of funding to meet supplemental needs. Learn how a second type of trust, a first party special needs trust, can be established to hold the child's existing benefits (malpractice judgment/settlement, inheritance, UTMA accounts, pre-disability earnings, etc.). Instructor Edward Law, a practicing attorney with an L.L.M. in taxation, is an expert in this area of estate planning. $39** (fee based, no waivers)
Thu 7pm-9pm, May 14
XE-185 6941   #5534 Gateway Campus

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Course Notes
*Fees not eligible for waiver.
**Neither XE courses nor their fees are eligible for waiver.
(S) = Supplies needed. Instructor will provide list at first class.
(T) = Textbook recommended or required. Purchase at HCC Bookstore or online before first class.




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