Retirement should be about freedom—not financial stress. In this class, we’ll break down the 5 biggest expenses most retirees face and share practical strategies to help reduce or better manage them. From housing and healthcare to transportation and unexpected costs, you’ll walk away with simple, actionable ideas to help protect your income and make your money last.

Retire with dignity and build generational wealth. Retire with confidence by learning how to optimize distributions from Social Security, Pensions, work retirement plans and Traditional IRA. Learn about the benefits of Roth IRA and how they can help reduce your taxes. The class also covers importance of Estate Planning, Long Term Care Insurance and when Annuities are useful.

Creating Your Estate Plan is designed to help you better understand the basics of estate planning so you can consider the options that makes the most sense for your specific situation. Participants will learn what to consider when creating a will, the benefits of trusts in estate planning, how to reduce taxes on estates, and how insurance can help protect your family.

Have you been thinking that now might be the time to downsize but aren’t sure where to start, how to do it, or what your options are? Bonus-all attendees receive the Downsizing Made Easy guide PDF-A $24.95 value. Access to preferred service providers and discount coupons are provided, as well as a no-cost home evaluation for those who want to know the value of their home and recommended suggestions to make it more salable.

We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU- a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years.

Aging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. We review these aspects so you can plan. Housing discussed- buying & renting-subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives, condo/townhouses. Explore alternatives to just single-family living. Come with your questions to decide what will work best for you and what are your next steps?

Leave clarity, not chaos. This thoughtful, engaging and practical class helps you organize vital personal and financial info—passwords, investments, insurance, estate documents, key info about subscriptions, even pet details—into one simple system. Reduce stress, avoid confusion, and create peace of mind for your loved ones. A powerful act of love, done now, when it matters most. This class is ideal for adults planning for the future, adult children supporting aging parents, non-family member caregivers, and financial professionals looking to better serve their clients. Note class location: Ridgedale YMCA, 12301 Ridgedale Dr, Minnetonka, MN 55305 (class participants do not need to be a member of the YMCA)

Whether you plan to stop work all at once, or ease into retirement by working part-time, at some point you will need to arrange for multiple sources of income to replace your paycheck. What do you need to think about as you transition from work life to retired life? Where will your income come from? How can you make it last?At this workshop you will learn: Why you need a retirement income plan 6 questions to ask before you retire How to determine how much income you will need in retirement The 4 primary sources of retirement income 4 popular withdrawal strategies and the pros and cons of each How retirement income is taxed 5 tax planning strategies in retirement A retirement income action plan

Now is the time to start planning for Income in Retirement. You will learn:Social Security 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 Innovative strategies for coordinating benefits with your spouse How to minimize taxes on Social Security Benefits How to coordinate Social Security with your other forms of retirement benefits Medicare How Medicare enrollment periods work – and what you need to do to avoid late-enrollment penalties How much you can expect to pay in health care cost after going onto Medicate 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 health care costs in retirement – including the possibility of needing long-term care.

In retirement, your tax rate may vary widely over the years based on the timing and order in which you use different sources of money to pay for your living expenses. You want to apply the tax code in an organized and efficient way.At this workshop you will learn: The critical tax question you must answer BEFORE retirement The surprises that often make retirement more expensive What the Social Security “tax trap” is and how you can avoid it Why tapping assets in the wrong order can trigger higher Medicare premiums Why you need to manage taxes even before you retire The four stages of retirement and important tax actions in each stage, including tricky IRA challenges Mistakes to avoid when it comes to your investment portfolio, health care, and estate

What happens to your business when you step away? This course helps business owners think beyond the day to day and plan for the future with clarity and confidence.You’ll learn why having a succession plan isn’t just about retirement. It’s a strategic advantage that strengthens your business today, support key relationships, and preserves what you’ve built. We’ll explore common challenges, practical options for transferring ownership, and how to align your plan with your personal, family, and financial goals.Whether your vision is to pass the business on, transition leadership, or prepare for an unexpected event, this session will give you the tools and insights to take the first step.