Social Security is one of the most important retirement decisions you'll make. This informative class will help you understand your benefit options, key claiming strategies, and the factors that can affect your lifetime income. You'll learn how age, work, taxes, spousal and survivor benefits, and coordination with your overall retirement plan can influence your decisions, giving you the knowledge and confidence to make informed choices for your financial future.

The class is presented by Len Bodnar, RICP®,

• Wed Sept 2 
• 6-7:30pm
• GEARS CC, Senior Center
• FREE, registration required

Presented by M&T Bank. Explore the importance of credit scores, learn how to access credit scores and reports, discuss strategies to build and repair credit. We will also discuss how to protect your credit from fraud. Ages 18+

• Tue Sep 22
• 6-7pm
• GEARS CC
• FREE, registration required

Intro to Medicare: If you are about to turn age 65 and confused by Medicare, this class is designed specifically for you! The basics of Medicare will be explained, including how and when to sign up for Medicare, what is covered by the different parts of Medicare (A, B, C and D), and what the difference is between a Medicare Supplemental (Medigap) and a Medicare Advantage plan. Additionally, we will walk through how to find a plan that best fits your needs. This class is beneficial for seniors because it clears away the confusion, answers many questions, and empowers participants through education.

• Thur Sept 24
• 6-8pm
• GEARS CC, Senior Center
• $15 ($21 NR)

What is a Will? What happens if you do not have one? How do you make a Will? What is a Trust? Do you need/want one? What do you do if you have to administer an Estate? This class is designed to be an introductory course to give you a working knowledge of the law in the Estate area. Questions about particular circumstances will be welcome. Instructor, Thomas Beckley, is an attorney who devotes a large portion of his practice to Estate Planning and Administration. Ages 18+

• Thu Oct 15
• 6-8 pm
• GEARS CC, Senior Center
• $10 ($16 NR) 

• Tue Nov 3 
• 6- 7pm
• GEARS CC
• FREE, registration required

Learn practical strategies to help make your retirement savings last longer by minimizing taxes and maximizing after-tax income. This class explores how different retirement accounts are taxed, the impact of required distributions, Roth conversion strategies, Social Security taxation, and ways to create a more tax-efficient retirement income plan. You"ll gain valuable insights to help keep more of what you've worked so
hard to save.

The class is presented by Len Bodnar, RICP®,

• Wed Nov 4 
• 6-7:30pm
• GEARS CC, Senior Center
• FREE, registration required