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ACE Lifelong Learning  Center 

Fall 2017

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Personal Growth & Financial Security on JCC


Did You Know?...You Can Sell Your Life Insurance Policy for Cash

A “Life Settlement” can provide you with an important piece of your financial portfolio. This seminar will explore five of the current options an individual can do regarding their life insurance policy. For instance, most people don’t know that their life insurance policy is an asset that can be sold.  The goal of this seminar is to educate you. Come investigate whether you have a hidden asset in your financial portfolio.
Instructors: Fred O’Donnell & Dr. Joanne Harrison          

Monday, October 16  |1:30 pm
Free Member ● $15 Guest


 

Estate and Legacy Planning including Charitable Giving

This module will explain the estate tax dilemma. Learn specific strategies that are effective in discounting estate tax costs as much as 90%. The use of Irrevocable Life Insurance Trusts and Private Foundations will also be discussed as well as specific strategies that help families increase and extend their family legacy well beyond what they may have thought possible. In addition, we will share some approaches that have been proven completely effective at maximizing IRA accounts to increase their value up to 20 times their original value.

This portion of the module will focus on ways to include Charitable Giving in the estate plan without disinheriting friends and family.  We will demonstrate how a modest gifting strategy can create millions for charity. In addition, we will discuss the importance of not allowing your generosity to stop at death and describe methods by which charitably minded clients can gift into perpetuity. We will also discuss Charitable Gift Annuities, their tax advantages and the benefit to charities. Part of the discussion will focus on Trusts and Foundations, and the role they play in accomplishing charitable goals.
Instructor: Howard Kaye                                            

Tuesday, October 17 | 12:00 pm
Free Member ● $15 Guest


 

The Best Estate Plan for You             

 This onetime class covers the latest innovations and laws in Wills, Trusts, Powers of Attorney and other estate planning tools. Best selling author and Board Certified Elder Care Attorney, Scott Solkoff will take your questions on how to create or amend your estate planning documents to gain major financial and quality-of-life advantages for you and your family while avoiding probate, remaining independent and making things easier for your family. In addition, the latest changes in the laws and rules will be updated.
Instructor: Scott Solkoff                                  

Wednesday, October 18 | 12:00 pm
Free Member ● $15 Guest


 

Protecting Yourself from Being a Victim of Elder Fraud and Abuse 

Why are seniors targeted? What are the signs to be aware of? What are the characteristics of abusers and some of the most common frauds and scams? Senior Advocate Scott Greenberg will discuss how to protect yourself from becoming a victim of fraud and abuse. In addition, he will indicate what to do and how to report if you believe you or someone you know is a victim.
Instructor: Scott Greenberg                                              

Thursday, October 19 | 12:00 pm
Free Member ● $15 Guest


 

W2W” Women to Women, Let’s Talk About Us

Join us for lively discussions where extraordinary women share wisdom and humor. Our purpose is to build relationships, promote dialogue and inspire women. Discussion topics are democratically selected. All are welcome to suggest and partake. This is a new addition to the ACE program.
Moderator: Anita Ross  

Thursdays, October 19, 26, November 2, 9, 16, December 7, 14, 21 | 12:00 pm
Free Member ● $15 Guest


 

From Imagination to Creation: Making Dreams into Reality in Ten Easy Steps 

How many times have you thought “oh I can do that” or “I’m just as talented” or ‘wouldn’t it be great to accomplish that?” Well, no more procrastination; life is too short. Now, it’s action time. Creativity Mentor Michael Issacson engagingly guides you through ten easy doable steps to transform a desire into an actual accomplishment…No more wishing it was so!
Instructors: Michael & Susan Issacson  

Thursdays October 19, 26 November 2, 9, 16 | 12:00pm
Free Member ● $15 Guest


Insider Real Estate Secrets       

Real estate has changed since the last time you bought or sold a home. In this presentation, preparing properly will increase the value of your real estate transaction. In addition, new rules and regulations will be highlighted so that you can become well-prepared and your experience will be more positive. The main steps including preparation, transaction, negotiation and closing empower you to have a successful experience.
Instructor: Bobbi Benson                                          

Monday, November 6  |1:30 pm
Free Member ● $15 Guest


Lifetime Income and Retirement Planning

Do you want a secure income you cannot outlive? This module will focus on common concerns of retirees and discuss proven strategies that both protect the principle as well as provide for an inexhaustible lifetime income. This discussion will include various types of annuities used in successful income planning including immediate annuities, deferred income annuities, fixed annuities, Hybrid Fixed Indexed annuities and Structured Settlement Pre Owned Annuities. We will also educate attendees on the many types of riders available as well as forms of ownership and other important considerations.
Instructor: Anthony Scuderi CLU® CHFC®   

Tuesday November 14 |12:00 pm
Free Member ● $15 Guest


Protecting Your Assets Against the Cost of Long Term Care 

The cost of long-term care insurance is the number one threat to your life savings. This one-time class teaches the latest legal strategies on how to protect your life savings against the cost of home care, assisted living and nursing home care. Staying at home and out of nursing homes costs money (more than $8000/month). Many folks do not have insurance to cover these costs, and those who do often do not have enough or do not know how to use it. This class teaches how to qualify for Medicaid and V.A. to pay for even the best of care, without giving away your assets. This class is from a lawyer’s persepective, not a salesperson.
Instructor Scott Solkoff                              

Wednesday, November 15 | 12:00 pm
Free Member ● $15 Guest


 

Is Courtesy Dead? If So, Can it be Revived?

Long live courtesy to one another! This mantra seems to be slipping away from our culture. Gone are the days of “please” and “thank you.” Men aren’t holding the doors for women. No one is offering a seat to a less fortunate individual. This class will examine current trends of interactions between people of all ages. Who should teach future generations what common courtesy should be? Lots of relevant dialogue and discussions between class members is encouraged but don’t forget your manners while others are speaking. This will be a fun yet informational setting.
Instructor: Ron Leventhal                                

Monday, November 27 | 12:00 pm
Free Member ● $15 Guest


 

Proposed New Government Financial Rule Changes and the Effects on Your Usable Cash Flow 

This class provides an informational session on the true facts of how new government laws will affect retired person’s incomes meaningfully. Surely a topic that everyone needs to follow as it can create financial issues going forward. Join Don for this enlightening factual seminar.
Instructor: Donald Lapinsohn                     

Wednesday, November 29 | 1:30 pm
Free Member ● $15 Guest


 

Is Your Family Prepared?     

As we age we may need help with daily activities that we take for granted. Let’s face it, we are living longer than ever before. 2 out 3 people over age 65 will need Long Term Care. What if that is you or your spouse? Who will take care of you? Usually it will be a family member. But what if your daughter or spouse is unable to care for you? Or what if you choose not to burden them? Learn about solutions to protect your nest egg and your dignity. There are alternative solutions. Join us to learn the new methods of support.   Instructor: Sara Finkelstein                                      

Thursday, November 30 | 1:30 pm
Free Member ● $15 Guest


 

Contemporary Planning Strategies-Long Term Care Strategies and Solutions and Selling Your Policy Through Life Settlements

This module will focus not only on traditional Long Term Care concerns and products, but will focus on contemporary and hybrid solutions that offer Long Term/ Chronic Care benefits that solve the conundrum faced by most individuals involving ever increasing premiums and the possibility of never receiving Long Term Care Benefits at all if one passes first. Many of these products combine advancing tax-free death benefits for long term and chronic care with significant monthly benefits. If the benefits are not used, they continue as a tax-free death benefit payable in the future.

In addition, are you thinking of selling a life insurance policy that you no longer need or want? This portion of the module will thoroughly discuss all aspects of life settlements and help attendees understand how and why these life policy exit strategies can be effective and lucrative. We will discuss the secondary market, institutional investors and the differences between cash and retained death benefit offers. We will refer to actual client experiences and outcomes in order to make the concept much more tangible.
Instructors: Howard Kaye/Daniel Herbst   

Tuesday, December 12 |12:00 pm
Free Member ● $15 Guest


Protecting Your Assets Against the Cost of Long Term Care 

The cost of long-term care is the number one threat to most people’s life savings. This class teaches the latest legal strategies on how to protect your life savings against the cost of home care, assisted living and nursing home care. Staying at home and out of nursing homes costs money (more than $8000/month). Many folks to not have insurance to cover these costs, and those who do often do not have enough or do not know how to use it. This class teaches how to qualify for Medicaid and V.A. to pay for even the best of care, without giving away your assets, with or without long term care insurance. This class is from a lawyer’s experience, not an insurance salesperson.
Instructor: Scott Solkoff                              

Wednesday, December 13 | 12:00pm 
Free Member ● $15 Guest

  

 

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