ROTH

To “Roth”, or Not to “Roth”, That Is The Question!

David Cichon, M.Ed, RFC, CEP and John R. Phillips, J.D., CFP™
Hurry! The time is short! For 2010 only, Congress has given you the opportunity to convert any or all of your IRAs to Roth IRAs irrespective of amount or income level. Plus, you can spread the tax obligation over two years. Should you do this? Why or Why Not? Learn the rules and how to analyze your situation to answer this timely question.

Thu, Apr 8, 6:30-8:30 p.m.      ACC Campus
PERS 1043S01-78457      $44

Thu, May 6, 6:30-8:30 p.m.      University Center at Chaparral
PERS 1043-SP1-78679      $44

INVESTMENT HELP

InvestAcademy: Financial Self Defense in an Age of Wall Street Excess

Andre Ratkai
Fed up with feeling like you’re the “bag holder” for Wall Street’s excesses? Take back control of your personal and retirement investments.

• do a better job of managing and organizing stock, mutual fund or 401(k) investments
• discover an objective way to judge an advisor’s advice
• stop feeling at risk in the stock market

Discover how to use a 7-factor scorecard that using a few key fundamental (“what to buy”) and technical (“when to buy”) factors that are available at libraries or on-line. Skills learned are repeatable, adapt to changing conditions, and make clear which securities to avoid or sell. Course fee includes an 80 page workbook.

Andre Ratkai is a Chartered Financial Analyst (CFA), and was adjunct professor of Finance at the University of Denver from 1993 to 2008. He is president of a Denver fee-based money manager financial advisory group.

Thu, Apr 29-May 6, 6-9 p.m., 2 wks      ACC Campus
PERS 1048S01-78454      $99/individuals, $10 workbook fee to instructor
PERS 1048S99-78455      $119/couples, $20 workbook fee to instructor

Stop Losing Money in the Stock Market! Survive the Decline!

Dean Adams
Wall Street’s advice causes you to lose money. When the market goes down, you lose value and time. Look at your statements for the past ten years. Aside from your contributions, your portfolio has made virtually no money. You are not keeping up with inflation, so you are falling behind. Stop taking Wall Street’s advice and start learning how to achieve your investment goals. This class is not about investment theories; it’s about proven, actionable and repeatable strategies. Learn to protect your money; what investments are the best; the best strategy for the average investor; how the pros invest; how to read a chart; how your mutual fund fees are reducing your returns and much more. Don't put it off...this is the last time this class will be offered this year!

Dean Adams is a long time, individual investor/trader. He is NOT connected to the investment community in any way, but knows how to make money.

Tue, May 4-25, 6-8:30 p.m., 4 wks      ACC Campus
PERS 1114S01-78456      $69, $8 optional workbook fee to instructor

BUDGET

Money Management Made Easy: Take Charge Now
 
Chris Howlett
Gain control of your personal finances by mastering easy budgeting techniques, setting financial goals, understanding credit, and establishing a money management plan. Receive worksheets you can refer to while moving toward financial stability.  Identify income and expenses. Leave class with a budget and healthier, happier financial outlook.  Take the fear out of money.

Chris has worked with both businesses and individuals to set and achieve short and long-term goals encompassing fitness, finance, and lifestyle.

Thu, Apr 15, 6:30-9 p.m.      ACC Campus
PERS 1046S01-78452       $44, $10 material fee to instructor
 
ELIMINATE DEBT
 
Living Debt-Free
 
Chris Howlett
Where does the money go every month? Why are your debts growing and your savings disappearing? Explore the personal choices that affect your financial health and discover the financial tools you can use to control where your money goes each month. Understand your credit report, how to increase your scores, and what lowers your scores.  Learn how eliminate debt as fast as possible.  Find out how millionaires got there.
 
Thu, May 6, 6:30-9 p.m.       ACC Campus
PERS 1047S01-78453       $44, $10 material fee to instructor

RETIREMENT

Taking the Fear Out of Retirement: It’s All About Planning

Robert Schulz
Bob is passionate about providing people with information and resources that enable them to approach retirement with a well thought out plan and covering topics such as how to find purpose in retirement, how to practice retirement, what you need to know about Medicare and Social Security, and why living to 95 is an issue.

Robert Schulz, The Retirement Guy, retired as Senior Manager of Human Resources from a national company and began the next phase of his career pursuing what began as a personal interest and has developed into a passion while helping others make educated decisions about retirement.

Wed, Apr 21-28, 6-9 p.m., 2 wks      ACC Campus
PERS 1034S01-78458      $59, $10 material fee to instructor

Retirement Planning Today

Todd Walker/Renee McKeirnan
It takes more than money to live a “rich life.” Blend financial education with life planning to help you build wealth, align your money with your values, and achieve your retirement lifestyle goals. Learn what was not taught in school! Discover 5 strategies to manage investment risks, 11 ways you may save money on this year’s taxes, important questions to ask before buying insurance coverage, how to invest in and take money out of your company’s retirement plan, determine the savings you need to retire today or in the future. *Includes 235-page illustrated book.

Todd Walker has been on the forefront of financial education since he became a financial educator in 1995. He has a lengthy and notable list of current and previous clients predominantly in Colorado.

Renee McKeirnan specializes in Risk Management and Specialized Retirement Education and Planning. Both instructors have extensive classroom instruction experience.

Thu, Mar 18-25, 6:30-9:30 p.m. 2 wks     ACC Campus
PERS 1032W03-78225     $59/individuals*
PERS 1032W98-78226     $59/couples*

Tue, Mar 23-30, 6:30-9:30 p.m., 2 wks     ACC Campus
PERS 1032W04-78227     $59/individuals*
PERS 1032W99-78228     $59/couple

Thu, June 3-10, 6:30-9:30 p.m., 2 wks      South Metro Chamber of Commerce
PERS 1032S01-78459 $59/individuals*
PERS 1032S96-78460 $59/couples*

Tue, June 8-15, 6:30-9:30 p.m., 2 wks      South Metro Chamber of Commerce
PERS 1032S02-78461 $59/individuals*
PERS 1032S97-78462 $59/couples*

ESTATE PLANNING

Estate Planning for the “Sandwich Generation”

John R. Phillips, J.D., CFP™ and David Cichon, M.Ed, RFC, CEP 
Baby Boomers are now responsible for both their kids and their parents. It is difficult to wade through the complexities of state and federal laws as it pertains to your family and money. Far too much so-called information comes from people trying to sell you something. Cut through the barriers and understand all these complexities.
Topics include:

• Disabilities and taking care of loved ones and being taken care of by loved ones
• Basic tools of estate planning and wills
• Trusts, Powers of Attorney, Living Wills
• Medicare and Medicaid basics
• Keeping your assets safe from creditors, salesmen, the IRS, and “investments”
• His, hers, and ours (kids and assets) – special issues with children and grandchildren
• Challenges of the blended family.
• Wealth Transfer – ways of leaving it to the heirs
• An overview of more sophisticated tools used to save taxes

Tue, Apr 6-27, 6:30-9 p.m., 4 wks ACC Campus
PERS 1049S01-78474   $69, $25 material fee to instructor

WILLS AND TRUSTS

Protect Your Family: What you Need to Know about Living Wills and Trusts    

David M. Cook

• What is the difference between a Will and a Living Will?
• Does everyone need a Living Trust?
• What documents are needed to admit a relative to a nursing home?
• Will my estate pay more taxes if it goes through probate?
• What documents can I do myself?
• How much should I pay a lawyer to do the others?

Get answers to these questions and more!

David M. Cook is an attorney.

Wed, Apr 28, 6-8 p.m.       ACC Campus
PERS 1033S01-78463    $49/individuals, $2 material fee to instructor
PERS 1033S99-78464    $69/couples, $2 material fee to instructor

RENTALS

Managing Your Rentals: How to Avoid Trouble and Vacancies

Bill Cooper
Discover how to screen your prospective tenants and keep the bad ones out. Be aware of the “do’s and don’ts” when dealing with tenants. If you must evict, how do you do it? Have a pool of qualified service people who respond quickly. Review fair housing laws. Understand why a good lease is your best friend and how to keep your property rented when others have vacancies. Find out how inexpensive professional property management can be and how it will eliminate landlord headaches. Receive a copy of a lease used in over 800 housing units.

Bill Cooper is the President of Metro Denver Management Inc., and Real Estate Broker with over 25 years of property management experience.

Thu, Apr 1, 6:15-9:30 p.m.      ACC Campus
PERS 1005W02-78261     $44, $20 material fee to instructor

Thu, May 6, 6:15-9:30 p.m.    ACC Campus
PERS 1005S01-78465      $44, $20 material fee to instructor

Thu, May 27, 6:15-9:30 p.m.   ACC Campus
PERS 1005S02-78466      $44, $20 material fee to instructor

Real Estate Investing: The Next Step  

Jim Flint
Go to the next level if you are an experienced investor! Discover ways to plan for your retirement with real estate, determine the income you will need, and how to meet those goals. What are the advantages and disadvantages of trades vs. refinance? Discuss commercial real estate, multi-family, mini-storages, office buildings, retail, and triple net leases. A personalized meeting is included.

Tue, June 1, 6:15-9:30 p.m.      ACC Campus
PERS 1020S01-78467      $44, $20 material fee to instructor

INVESTMENT PROPERTY

How to Buy Residential Income Property:Take Advantage of This Buyer’s Market

Jim Flint
Discover how to buy the best foreclosures and choose the best locations and loans. Increase your income and wealth with rental properties. Which is best for you, commercial or residential? Get 15% or more on your money, discuss 1031 exchanges and reverse exchanges and how to reduce your income taxes. Get cash flow starting day one. Discover an analytical approach to investing. Be your own boss and never get fired! Compare Denver’s market to three other hot markets. Learn to invest in cash flow mini-storages. An individual meeting with the instructor is included.

Jim Flint, CRS has 30 years experience with real estate in five states.

Tue, Mar 30, 6:15-9:30 p.m.     ACC Campus
PERS 1004W02-78258     $44/individuals, $20 material fee to instructor
PERS 1004W99-78259     $75/couples, $20 material fee to instructor

Tue, May 4, 6:15-9:30 p.m.      ACC Campus
PERS 1004S01-78468       $44/individuals, $20 material fee to instructor
PERS 1004S98-78469      $75/couples, $20 material fee to instructor

Tue, May 25, 6:15-9:30 p.m.    ACC Campus
PERS 1004S02-78470      $44/individuals, $20 material fee to instructor
PERS 1004S99-78471      $75/couples, $20 material fee to instructor

COLLEGE FUNDING

How to Find College Financial Aid

John Mumford
Find out the truth about beating the high costs of your child’s education. Discover almost unheard of strategies and tips that families are using to save thousands of dollars. Discuss how to double or triple your eligibility for financial aid: why some middle and upper-middle class parents pay close to nothing for their children’s education and how you can too; how to find scholarships, grants and low-interest loans that most other parents do not even know exist. Explore the common and costly mistakes people make when completing forms and the real reason why over 90% of parents fail to fill them out correctly and therefore receive less money. *$10 optional fee to instructor.

John Mumford, CFP, CPA is one of Colorado’s leading college funding experts.

Thu, May 6, 6-8:30 p.m.      ACC Campus
PERS 1001S01-78472      $44/individuals*
PERS 1001S98-78473      $69/couples*