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FINANCIAL STRATEGIES FOR SUCCESSFUL RETIREMENT TO BE HELD AT MAIDU
COMMUNITY CENTER, ROSEVILLE

(Roseville, CA) � A four-part Financial Strategies for Successful
Retirement Seminar will be conducted at the Maidu Community Center in
January.  The seminar covers key concepts and practices of wise money
management  for retirement.  Subjects include how to generate a steady
income, protect your assets from erosion, minimize taxes, and provide a
secure retirement for yourself and your spouse.  Everyone who attends will
receive a workbook, home study materials and an optional personal
financial plan.  Your local instructors are: Ted Young, MBA; Nick Kirk;
and Kent W. Meyer, PhD, JD, LLM, and Professor of Accountancy at CSUS.  No
products or services will be promoted or offered at the seminar.

The four-part seminar will be held on consecutive Tuesdays from 9:30 -
12:00 PM., beginning January 9th.  A $49 fee covers the cost of
instruction and all materials for an individual or a married couple.  To
register or request additional information, call Melissa Bell at (916)
774-6271 or e-mail david.bell@csus.edu with your phone number and
interests.

FACT:
According to the U.S. Census Bureau, almost half of all Americans over age
65 have a household income below $15,000 a year.  Only 18 percent have
incomes over $35,000 per year.  These figures include Social Security
benefits.  Financial analysts blame these inadequate funds on one thing:
insufficient planning.

Although Americans work an average of 90,000 hours during their working
years, few spend more than a day preparing for their retirement.  An
increasing number of Americans retire dependent upon the government, their
families or charity.


KEY RETIREMENT PLANNING ISSUES
This course will equip you with the facts you need to prepare for a
financially secure retirement, maximize your income and get the most from
your investments.  You will also learn how to protect your hard-earned
money from inflation, income taxes and erosion due to possible long-term
health care needs.  This seminar will show you a conservative approach to
wise money management and will identify lifestyle issues facing retirees. 
The information you receive will pay dividends for the rest of your life.

Your instructor provides information that is current, comprehensive and
non commercial.  The seminar has been carefully designed to provide the
information you need, without overloading you with unnecessary financial
jargon.

AN OPTIONAL PERSONAL PLAN AND CONSULTATION
You will be assigned homework during the course.  At your discretion, you
submit this homework to the instructor, who will use it to develop your
confidential financial analysis.  You are entitled to a private retirement
planning consultation with the instructor at the end of the seminar.  This
meeting is your opportunity to analyze your financial situation, help
develop your financial plan and have your questions answered.

TEACHING FORMAT
Financial Strategies for Successful Retirement has been created by experts
in personal money management education.  A "hear it, see it, read it,
write it" teaching method makes it easy for you to understand and retain
the information covered.  The pages of the workbook you receive correspond
to overhead transparencies which the instructor uses to illustrate key
concepts and further explain information in your workbook.  You will walk
through real-life examples that apply to your situation.  The class is
enlightening and exciting.  Attendees may participate and are encouraged
to ask questions.

WHO SHOULD ATTEND
The material is relevant to those in the early stages of retirement
planning as well as those who are very close to retirement.  The course
curriculum is designed for people who are serious about gaining money
management knowledge.  Attendees should commit to several evening sessions
and a few hours of homework.

SPONSORED BY COLLEGES AND CORPORATIONS THROUGHOUT NORTH AMERICA
Offered throughout the United States and Canada by trained, licensed
professionals, the seminars have been recognized for their exceptional
content.  The courses have been sponsored by over 750 educational
institutions, 1,800 corporations and 300 organizations.

WHAT YOU WILL RECEIVE

INSTRUCTION ON ALL FOUR SESSIONS
This information rich course is taught in an easy-to-understand,
interesting format in an informal and  enjoyable classroom setting.

SEMINAR WORKBOOK
The comprehensive Seminar Workbook contains practical exercises and
examples to help you learn and remember everything covered during the
seminar.  It is a valuable reference tool designed to help you understand
the concepts and nuances of personal money management.

PERSONAL FINANCIAL DATA FORM
As homework, you will complete a Personal Financial Data Form.  This data
form is widely acknowledged as a comprehensive and practical aid to
retirement planning.  An audio tape will provide step-by-step
instructions.

OPTIONAL PLANNING CONSULTATION
You are entitled to an optional private consultation after the conclusion
of the seminar.  You may also submit your completed data form to the
instructor prior to your meeting.  Your instructor will use the data to
prepare a written financial analysis which addresses your personal
situation and future goals.  This document can be reviewed at the
counseling session.  This is your opportunity to ask confidential
questions.

WHAT YOU WILL NOT RECEIVE
During this educational class, all illustrations and examples will be
generic.  You will receive no sales pitches or hear details about specific
products or financial services.  To best address the needs of all
attendees, your instructor will discuss specific products or services you
wish to learn more about only at your optional personal counseling
session.

COURSE AGENDA

SESSION ONE
Foundation for a Successful Retirement
* Retirement planning is for everyone
* Retirement income: Perception vs. Reality
* Objectives of retirement planning
* The Success Triangle
* Nine reasons people fail to capitalize on their retirement years
* Put you dollars to work with compound interest
* The impact of inflation on income
* Taxes and their impact on retirement planning
* The "Double Whammy" of taxes and inflation
* Social Security

SESSION TWO
Your Retirement Income
* Company retirement plans
* Lump sum distributions
* Selecting pension benefit options
* IRAs
* Home equity
* Working after retirement
Fixed-income Securities
* Savings and cash reserves
* Tax-deferred annuities
* Corporate and Treasury bonds
* Municipal bonds- Tax-free income
* Nine steps to retirement success
* Your personal retirement analysis

SESSION THREE
Putting Your Dollars to Work
* Equity investments
* Common stock
* Preferred stock
* Mutual funds
* Inflation-proofing income--Systemic withdrawal programs
* Investing in mutual funds on a tax deferred basis
* Direct participation programs
* Portfolio hedging with tangible assets
* Asset allocation

SESSION FOUR
Risk Management
* Medicare
* Long-term health care
* Life insurance at retirement
* The facts about disability insurance
Estate Planning
* Objectives of estate planning
* Understanding probate
* Advantages of joint tenancy
* Using trusts to reduce estate transfer costs
* Three ways to avoid estate shrinkage
* Charitable giving