Financial & Legal


Financial Strategies For Successful Retirement

Joseph P. Silvestri, CFP,ChFC,CLPC Creative Financial Group of New Jersey

As baby boomers approach retirement, new financial questions arise. We’ll address your questions about building enough wealth to retire, increasing retirement income and exploring lifestyle options. Discuss mutual funds, insurance, stocks, bonds, estate taxes and long term care. You’ll receive a workbook packed with sound, solid information that you can take home and put to good use in the development of your own financial blueprint. Come away with a clearer picture of the opportunities available to improve your future financial security. Spouse/partner may attend for free. 3 SESSIONS
Sec 1: Wed, Oct 4-18, 6:30-9 pm, Lincroft Campus
Sec 2: Sat, Oct 7-21, 9:30 am-noon, Freehold Campus
Fee and Code: $59, XFING 002

Understanding Medicare

Alfred Norton, licensed health insurance agent

Whether you are soon turning 65, or already a Medicare recipient, don’t miss this thorough review of Medicare program basics and the variety of ways to enroll in Medicare. Our discussion will outline Original Medicare (parts A & B), Medicare Prescription Drug Plans (Part D), Medicare Advantage Plans (Part C with or without Medicare Part D) and, finally, Medigap Coverage (Supplemental) and how it interfaces with Original Medicare. Evaluate Medicare entitlement, approximate costs and eligibility, together with outlining help/procedures for individuals with limited income or those receiving Social Security Disability. Information will also be provided regarding the major carriers in NJ for Medicare Part C, and Medigap Policies.
Sat, Oct 7, 9:30-11:30 am
Fee and Code: $39, XFING 070

Understanding Identity Theft – Our Fastest Growing Crime

Louis R. Terrero, CPA, registered investment advisor
Robert M. Ryerson, certified financial planner, identity theft risk management specialist, author

Does the nightly news and identity protection advertisements have you worried about identity theft? Join this plain language explanation of the myths and misconceptions. Explore the scope, depth, and extent of the identity theft problem and also review major identity theft stories in the news. Learn what pitfalls to look for in various identity theft protection programs and how to avoid and best address legal fallout that often accompanies an identity theft incident. Text, What’s the Deal with Identity Theft provided to all students enrolled by Oct 3.
Thurs, Oct 12, 6:30-8:30 pm
Fee and Code: $39, XFING 077

Appealing A Home Assessment to Reduce Your Real Estate Taxes

Frederick Burg, Brookdale adjunct math instructor, successful appeal applicant

How do you know if your property taxes are too high? Wonder why your neighbor is paying less taxes? While you cannot appeal your taxes, you can appeal your related property assessment. Learn whether to pursue an appeal. How to do it and what are the important dates? Discover the presenter’s successful approach that answers these questions. Learn about changes to the applicable laws that affect most Monmouth County residents (and the existing law for all others). We’ll use Internet data bases that help you gather the information for appealing (such as “comparables”) and even filing your appeal. Discuss the tax board hearing when your appeal is heard (if not settled before), and what happens afterwards. Also discuss interactions directly with your town’s tax assessor and what can be done outside of the formal appeal process. 2 SESSIONS
Sat, Oct 21 & Oct 28, 9:30 am-noon
Fee and Code: $59, XFING 086

Healthcare Resources For Seniors

Lisa Curtis MSW, LCSW, C-ASWCM, owner, Senior Care Options Inc

Monmouth County is graying! As a result, healthcare needs are on the rise. Whether you are a patient yourself, or a caregiver for others, it is important to understand available options. This program will discuss home care, long term care, assisted living, adult day care, hospice, senior housing, geriatric care management, and therapy. Find out about available services and resources to assist in care and healthcare decision making.
Sat, Oct 28, 10 am-noon
Fee and Code: $39, XFING 094



Robert Cutrupi, senior portfolio director, the Cutrupi Group of Morgan Stanley Smith LLC

Stock Market Boot Camp

Explore basics for understanding the stock market to advanced strategies on how to select stocks and manage risk. Find out what information you need to increase the probability of making a successful investment. Learn how to read technical charts as well as how to review the fundamentals of a company. Investment strategies will be discussed, but no specific products will be offered.
Sat, Oct 14, 9:30 am-12:30 pm
Fee and Code: $39, XFING 073


Boot Camp-Next Steps

Expand your knowledge of the stock market. Review intermediate to advanced investment strategies, combining fundamental and technical analysis (point and figure charting), and portfolio construction and risk management techniques. Learn the importance of sector and stock selection utilizing various technical tools including relative strength, momentum, and trend. Students who attend this class should have basic knowledge of investing. Investment strategies will be discussed, but no specific products will be offered.
Sat, Oct 21, 9:30 am-12:30 pm
Fee and Code: $39, XFING 079


Advanced Boot Camp – Investing In Today’s Uncertain Market

Examine tactical portfolio management and tools for broadening your investment scope. Topics include: ETF (Exchange Traded Funds), Options, Investing in Bear Markets, Defense Investing, and Investing for Yield. Explore the six major asset classes: Cash, Bonds, US Equities, International Equities, Currencies, and Fixed Income. Learn how to incorporate these asset classes into your portfolio. Strategies will be discussed, but no specific products will be offered.
Sat, Oct 28, 9:30 am-12:30 pm
Fee and Code: $39, XFING 083

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