Finance
Savvy IRA Planning
The decisions you make today can have an impact on your overall retirement plan. Learn tax-saving strategies to help you get more out of your IRA
• 7 Strategies for IRA planning
• 6 roll over options for your retirement plan funds
• SECURE act changes to IRA planning
• 3 common required minimum distributions mistakes
• The difference between indirect and direct rollovers
• How to coordinate your IRA planning with your overall retirement, estate, tax, Social Security.
• 3 different options for spousal IRA beneficiaries
◗ Dec 10 | W | 6:30-8:30 pm 1 Session | Fee: $ 25 | Staff Dev Ctr AL-B326-F1 | Davis
Will Taxes Affect Your Retirement?
It is critical to have a solid understanding of the tax status of investments to make informed decisions and avoid paying more than your fair share. Learn how future tax changes may create the potential for higher taxes, ways to create tax-free retirement income, how social security is taxed and how to work efficiently within current tax brackets.
◗ Nov 6 | Th | 6:30-7:30 pm 1 Session | Fee: $ 19 | Staff Dev Ctr AL-B332-F1 | Schwartz
Savvy Social Security Planning for Couples
The decisions couples make now can have a tremendous impact on the total amount of benefits they stand to receive over their lifetime. Identify factors that can help you get more out of the Social Security system. To help baby boomers better understand the Social Security system, this workshop will cover:
• Factors to consider when deciding when to apply for benefits
• When it makes sense to delay benefits- and when it does not
• Why you should always check your earnings record for accuracy
• How to estimate your benefits
• How to coordinate benefits with your spouse
• How to minimize taxes on Social Security benefits
• How to coordinate Social Security with your other sources of retirement income.
◗ Nov 20 | Th | 6:30-8:30 pm 1 Session | Fee: $ 25 | Staff Dev Ctr AL-B328-F1 | Davis
Veterans & Medicare
Thank you for your service! We so appreciate the service and sacrifice that our veterans and military retirees and their families have made for our country! When it comes to your healthcare, learn important details to be sure you are not missing any benefits available to you. You are invited to come to discuss how Minnesota veterans can access additional benefits to compliment the coverage you or a family member may already have through the VA, or TRICARE For Life, or for family members with CHAMPVA along with Medicare parts A & B. We want to help make sure that each veteran of the U. S. Armed Forces, and their family members are informed on all the healthcare benefits they are entitled to. Medicare Open Enrollment for 2026 begins Oct 15. Whether you are currently enrolled in Medicare A & B, or gathering information and planning ahead for when you are Medicare eligible, we will discuss specific Medicare information that is exclusive to our veteran population, depending on each one’ s service record and qualifications for VA and, or VA and Tricare for Life, or CHAMP VA. If you are a veteran, or a family member of a veteran, please come join us to learn more.
◗ Oct 21 | T | 6-7:30 pm 1 Session | Fee: $ 25 | Staff Dev Ctr AL-B331-F1 | Bakken
Start Your Own Online Business
Looking for ways to make money online? Turn your ideas or homemade products into income by starting an online business. You will learn how to:
• find a gap in a niche market and fill it
• build your own website, and market your business effectively( including SEO) so potential customers will find you
• take care of business forms and taxes
• create multiple sources of income( including Affiliate commissions)
You’ ll also get info about the 25 most popular online businesses to start. Informative handouts for future use are included in class fee.
◗ Oct 2 | Th | 6-8 pm 1 Session | Fee: $ 39 | Online AL-B314-F1 | Krusemark 1
Write Your Own Will
Prepare a will in class on the computer and learn about estate planning. Students should be comfortable using a computer, as work will be completed in a computer lab. Some prep work is required; a packet will be emailed to you one week prior to class. This is a simple will class and not appropriate for those who have assets in excess of three million dollars or who need a trust. Instructor is an experienced estate planning attorney. Couples must register individually.
◗ Oct 28 | T | 6-9 pm 1 Session | Fee: $ 99 | Staff Dev Ctr AL-B335-F1 | Bolt Law Firm
14 FALL 2025 | 763-506-5766 | www. discovercommunityed. com
You’ ve Been Appointed an Executor or Trustee, Now What?
Before helping an elderly loved one with financial or legal affairs, it is crucial to understand your responsibilities so that you are able to protect your loved one and yourself. An experienced estate and elder law attorney will share the information you need to know so you understand the parameters of the law and are able to successfully serve as a personal representative, trustee or attorney-in-fact. Hear what it means to be a fiduciary, how to sign legal documents in ways that will protect you from liability and how to deal with family members and institutions.
◗ Sep 16 | T | 6-7:30 pm 1 Session | Fee: $ 29 | Staff Dev Ctr AL-B336-F1 | Peterson-Lerdahl
Understanding
Estate Planning & Trusts
If you own a business; have real estate( cabin, condo, farmland, or timeshare) in another state; have minor children or want to avoid probate or protect assets for future generations, a trust may be a great estate planning tool for you. Several types of trusts will be discussed, including revocable living trusts, irrevocable trusts, and support trusts for children & grandchildren. Learn how trusts can protect assets from irresponsible family members, avoid probate, reduce estate taxes and protect assets from creditors. Question and answer time included. Instructor is an experienced estate planning, probate and elder law attorney.
◗ Sep 30 | T | 6:30-8:30 pm 1 Session | Fee: $ 35 | Staff Dev Ctr AL-B330-F1 | Bolt Law Firm
Write Your Own Health Care Directive & Power of Attorney
If you become incapacitated, who will carry out your wishes regarding your health care and personal financial affairs? By having a plan, you get to make your own choices. Participants should be comfortable using a computer, as work will be completed in a computer lab. Some prep work required; packet sent one week prior to class.
◗ Nov 18 | T | 6-9 pm 1 Session | Fee: $ 99 | Staff Dev Ctr AL-B334-F1 | Bolt Law Firm