The emotional consequences and negative ripple effects of failing to keep your documents in order will cause frustration, delays and a financial burden on your loved ones and heirs. Discover ways to ensure a smooth process. Topics Discussed: TrustsWhat if you become incapacitated? Minor children and family members with special needsFinancial accountsMedical wishesInsurance policesTaxable estateWhat if you are divorced?What if you own a business?Blended familiesReal estatePets

Learn safe, defensive driving with the Minnesota Safety Council in a 4-hour classroom or virtual session—no tests required. Completion may qualify you for an insurance discount. Upon completion, you will receive a certificate you can then share with your insurance provider to receive a discount. The first and last name you enter when you register for the class will appear on the certificate. To ensure that you will receive your certificate at the end of class, register one week before the class date. If you register after that deadline, you will receive a handwritten certificate at the conclusion of class.

Aging often involves transitioning to different, downsized housing while coordinating financial and physical health considerations. Learn to navigate these circumstances to make your transition more enjoyable. Housing discussed: buying and renting subsidized and elderly waivers market-rate apartments 55+ communities continuing care retirement communities independent and assisted living aging in place memory care cooperatives condos and townhouses. Explore alternatives to single-family living.

Widowed, divorced and never-married individuals must decide when and how to claim Social Security and enroll in Medicare, as understanding options can greatly affect retirement income and healthcare costs overall. Social Security Topics Discussed: 5 factors to consider when deciding to apply for benefits. When it makes sense to delay benefits and when it does not. How to estimate your benefits. How to minimize taxes on Social Security Benefits. How to coordinate Social Security with your other forms of retirement benefits. Medicare Topics Discussed: How Medicare enrollment periods work – and what you need to do to avoid late-enrollment penalties. How much you can expect to pay in healthcare costs after going onto Medicare. How Medicare works with private insurance to provide comprehensive coverage. Why most people pay too much for private insurance and how you can avoid excess costs. Why you must plan for higher healthcare costs in retirement – including the possibility of needing long-term care.

Are you turning 65 and wondering about Medicare? Learn when you can enroll and where you can make comparisons to select the right option. The class includes a presentation, takeaway handouts and a reference guide. Optional one-on-one meetings are free for attendees to discuss specific options.

Are you turning 65 and wondering about Medicare? Learn when you can enroll and where you can make comparisons to select the right option. The class includes a presentation, takeaway handouts and a reference guide. Optional one-on-one meetings are free for attendees to discuss specific options.