Our financial advisors have teamed up with Smart Money Initiative DeKalb County to provide free online financial literacy courses April 12-16 for Financial Literacy Month.
Created by Kishwaukee United Way, DeKalb Public Library, and other local partners, Smart Money Initiative DeKalb County brings together businesses, financial institutions, schools, libraries, not-for-profits, government agencies and the media to share information and resources on personal finance topics.
Estate Planning 101 | Mon, April 12, 6-7:30 p.m. CT / 7-8:30 p.m. ET
Not just for the wealthy, estate planning is essential for everyone—even a bad will is usually better than no will at all. Estate planning involves not only passing on your real estate, personal property, and financial assets to your heirs, but also planning for others to make decisions for you should you become incapacitated or die. A well-thought out estate plan can help you provide for loved ones while managing taxes and ensuring that your wishes are carried out. Estate planning is the key to making sure that everything you work for is passed on according to your wishes. These are difficult decisions, but if you don’t make them, a court will.
Social Security's Best Kept Secrets | Tues, April 13, 12-1:30 p.m. CT / 1-2:30 p.m. ET
Did you know a married couple has over 80 different strategies for how they can claim their benefits? Or that a government pension can have a significant impact on the benefits you or your spouse will receive? Social Security planning is not “one size fits all.” If you’re not looking into all your options for collecting, you’re probably making an expensive mistake. Don’t be one of the average retirees who leaves potentially thousands of dollars unused! In this course, you’ll learn the secrets to maximize your benefits. Whether you will be working while collecting, will be retiring in the next few years, or have just recently applied for your benefits, we’ll show you the right claiming strategy for your situation.
Approaching Retirement on TRS & SURS* | Wed, April 14, 12-1:30 p.m. CT / 1-2:30 p.m. ET
Are you worried about the Illinois state budget and the impact on TRS and SURS? Putting together a solid savings plan for your future and developing a clear understanding of your retirement benefits is one of the best strategies to ensure a confident, enjoyable retirement. We will review the “Windfall Elimination Provision” and “Government Pension Offset” that affects pensioners’ past Social Security benefits and how they are calculated. We will introduce strategies that are only available to Teachers Retirement System and the State University Retirement System participants. These strategies could mean more money to you and your family. If you are anywhere near retirement, now is the time for this class.
Social Security's Best Kept Secrets | Thurs, April 15, 6-7:30 p.m. CT / 7-8:30 p.m. ET
See description above.
7 Things to Do in the Decade Before You Retire | Fri, April 16, 12-1:30 p.m. CT / 1-2:30 p.m. ET
In the final sprint at the end of a race, the intensity ratchets up. This critical stage is known as the home stretch, and the last thing a runner wants to do in the home stretch is stumble with the finish line in sight. As you get to the point in your career where you can start to see the retirement finish line, you want to make sure you don’t stumble either. This course covers the seven things you need to do in the decade (or so) before you retire. We will identify potential hurdles as well as strategies for success so you can feel better prepared as you sprint through your home stretch towards retirement.
All classes are online via Zoom, courtesy of the DeKalb Public Library. Participation is limited.
Smart Money Initiative is a program of Kishwaukee United Way, DeKalb Public Library, and other local partners to share information and resources to help consumers better manage their finances.
All entities are separate and not affiliated with LPL Financial.
Walsh & Associates and LPL Financial do not provide tax and/or legal advice. Clients should consult with their personal tax and/or legal advisors regarding the tax consequences of investing.
*This presentation was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational presentation.
2350 Fruitville Rd., Ste. 201
Sarasota, FL 34237
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444 E. Hillcrest Dr., Ste. 230
DeKalb, IL 60115
HOURS: M-F, 9:00-5:00 CT