Active Generations ? Money Matters 2012

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Seminar Descriptions

Steps to Take Before You Retire
Kathy Petersen ? SSA Public Affairs Specialist
Presented at 9:30 a.m.
We want you to understand Social Security benefit payments. We?ll discuss how age affects your benefits, how your benefit is calculated, how your decision to draw benefits early affects your family. We discuss spouse?s (and ex-spouse?s) and survivor?s benefits.
You?ll also learn about the earnings limits and how they affect your retirement decision and benefits. We?ll discuss Medicare and the importance of filing timely when you work past age 65. Will your benefits be taxed? We?ll furnish the cut off amounts. Lastly, we?ll show you a few online tools that will help you to plan your retirement. And most importantly, we?ll leave plenty of time for your questions.

How to Prevent Outliving Your Nest Egg
Dan DeMarest; CFP 30 years of experience
Presented at 9:30 or 10:30 a.m.
During this session you will learn how financial planners can help you answer the following questions: 1.) How long will my resource last, 2.) Will I be able to meet or exceed my lifestyle goals. 3.) How should my portfolio be structured to reach my various goals? 4.) What is my probability of financial success?

Will vs. Revocable Trust: Which Estate Planning Tool is Right For You?
Richard Kunz ? ?CFP
Given at 9:30 or 10:30 a.m.
The purpose of this seminar is to provide you with some general information to assist you in making an informed decision as to whether a revocable living trust or a will is right for you.

Economic Assistance Programs
Lori Clark EA LTC Supervisor, Carmen Magnus ? ASA Supervisor, and Beth Keller ? EA Supervisor SD Adult Services & Aging
Presented at 10:30 a.m. or 5:30 p.m.
Are you struggling to make ends meet with the rising cost of living? Come learn about some State Assistance programs that can maybe help you. Experts from the State of South Dakota will discuss Long Term Care, Medicare Savings, SNAP- (State Nutritional Assistance Program), heating assistance and in-home services. Bring your questions for these individuals.

Investment Strategies for Volatile Markets
12:45 p.m. (Lunch Provided to First 80 registrants) ? Limited Seating
Mike Morland ? Vice President, Security National Bank
Looking for steady and safe returns in a low interest rate environment? Come learn more about strategies to get you through these times.
This seminar is limited to the first 80 registrants. Lunch provided by AARP, SD.

Identify Theft Panel
1:00 p.m. Only
Presented by: Delaine Smith, Director of Consumer Protection Attorney General?s Office
Sgt Harris; Sioux Falls Police Department
Jennifer Johnson, Security National Bank
Come and learn how identity theft can affect you and the steps to prevent fraud, and what to do if you are a victim of identity theft.

How to live on your Income as Expenses Rise
Tracy Gran, CCC
Presented at 2:00 p.m.
Please join Consumer Credit Counseling Services of Lutheran Social Service for a workshop created specifically for consumers on fixed incomes. A certified credit counselor will provide consumers with tools, education and resource necessary to overcome rising costs and continue successful money management in preparations for , and after retirement.

Long Term Care ? Protect Your Savings
Tim Van Peursem ? Presented at 2:00 or 3:00 p.m.
Long-term care can be an expensive drain on family resources. People might be surprised by the number of Americans who may need long-term care if current trends remain in place. It makes sound financial sense to develop a strategy to protect yourself and your family should the need for long-term care arise.

Getting the Most From Social Security
Jim Forey, Financial Consultant
Presented at 2:00 or 3:00 p.m.
Will social security be there for you? How much can you expect to receive? When should you apply for Social Security? How can you maximize your benefits? Will Social Security be enough to live on in retirement? What Baby Boomers need to know to maximize their retirement income.

The Lure of Money
Leni Healy, AARP SD
Presented at 3:00 p.m.
This is an overview of the deceptive tactics used in ponzi schemes, promissory notes viaticals, variable annuities and affinity fraud. Real cases will be highlighted and tips on what to do if this happen to you will be discussed.

Estate Planning Consideration
Howard Paulson & Martin Oyos
Presented at 5:30 or 6:30 p.m.
Learn about essential estate planning documents and terms, including: powers of attorney, wills, property transfers, titling assets, healthcare power of attorney, and much more! Howard and Martin are estate planning attorneys with the firm Christopherson, Bailin, & Anderson; located here in Sioux Falls.

Successful Tips for an Enjoyable Retirement: Utilizing your Company?s 401(k) Retirement Plan
Gary Popkes ? CFP, Security National Bank
Presented at 5:30 or 6:30 p.m.
Come learn about the greatest impact you can have on your 401K retirement account. What areas require your attention, and what concerns are justified? This educational workshop will help you focus on the correct details to ensure a successful retirement.

Ready for Retirement? Tools to Achieve Peace of Mind
Leni Healy, AARP SD
Given at 6:30 p.m.
Decisions individuals make at or near retirement can have a substantial impact on individual retirement security. This session will cover a 10-Step program to get ready for retirement. The session will include use of three retirement tools: Social Security Benefits Calculator, 401 (k) Fee Calculator and Retirement Income calculator.

Source: http://www.actgen.org/money-matters-2012-3844.html

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