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RETIREMENT AND ESTATE PLANNING WORKSHOP

SPRING CLASS CONSISTING OF 3 SESSIONSTHURSDAYS | APRIL 9, 16, & 23 | 6 - 8 PM

LAKELAND UNIVERSITY - ENTREPRENEUR STUDIOYOUNGER FAMILY CAMPUS CENTER REGISTRATION IS REQUIRED

THE INFORMED INVESTOR:RETIREMENT PLANNING FORFINANCIAL SUCCESS

ONLINE REGISTRATION INFORMATION:www.lakeland.edu/developu

Location and parking information:Lakeland University, N8315 West Drive, Plymouth, WI 53073Entrepreneur Studio, Younger Family Campus Center

Parking is available in lot E to the west of the Campus Center.

For questions about the workshops or content, contact: Jess Henrickson – Vice President – Financial Advisor The KHK GroupRobert W. Baird & Co., Inc.414-298-2476 l www.thekhkgroup.com

For questions about Lakeland University, contact:Kym Leibham - Director, Strategic OutreachLakeland University920-565-1023 ext. 2155 l leibhamk@lakeland.edu

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Cliff HenricksonSenior Vice President – Financial Advisor

Cliff joined Baird in 1982 and has over 30 years of experience in the financial services industry. Working to promote economic literacy with both students and teachers, Cliff shares his deep understanding of

financial issues acting as the Director of Economic Education Counsel for over 20 years. Cliff has been an active member of the Metropolitan Builders Association since 1994. Among Cliff's areas of expertise include Individual Equity Strategies, Equity and Mutual Fund Portfolios, Strategic Portfolio Review, and Education Planning.

Jess HenricksonVice President – Financial Advisor

Jess joined Baird in 2008. He received a B.S. in Business Management from Miami University in Oxford, Ohio. His areas of expertise include retirement income planning, portfolio construction, and long-term

care insurance. Jess and his wife live in Shorewood with their son and daughter.He enjoys running, volunteering, and being active in sports.

Stephanie MaresAttorney

Stephanie has been practicing law in the Milwaukee area for over 30 years. After graduating from Marquette University Law School in 1984, she began her legal career with Peter N. Brusky and Associates, S.C.

Over the next decade, she worked at some of the top law firms in the city, including Janet F. Resnick and Associates and Hale and Lein, S.C.

In 1995, Stephanie opted to leave the downtown legal scene in order to open her own practice out of her home in Greendale. Since that time, she has enjoyed a thriving career, which she attributes to her willingness to provide clients with flexible attorney fees, appointment times, and meeting locations.

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COURSE AGENDA WHAT YOU GET FROM THIS CLASSABOUT THE COURSE

COURSE DESCRIPTION

Take charge of your finances and get equipped with the facts you need to prepare for a financially secure retirement. Learn why having a financial plan is not just for the 1%. This 3-class course will teach you how to maximize your income and get more from your investments. Learn how to protect your hard-earned money from inflation, income taxes and potential long-term health care needs. Get educated on essential estate planning topics such as wills, trusts, and powers of attorney. This course is designed for those approaching retirement and those who have recently transitioned into retirement.

Workshops presented by Cliff Henrickson and Jess Henrickson, Baird;and Stephanie Mares, Mares Law Offices.

SESSION 1:Thursday, April 9, 2020: Retirement Planning for Financial Success Part 1

SESSION 2:Thursday, April 16, 2020: Retirement Planning for Financial Success Part 2

SESSION 3:Thursday, April. 23, 2020: Estate Planning

Total cost for the 3-part workshop is $100 per couple. Reservations are limited.

WHO SHOULD ATTEND

This course may be for you if you are nearing retirement, already retired, or beginning to develop a retirement plan and are interested in learning about concepts and strategies for retirement success. These strategies can help you make the appropriate choices when confronted by investment alternatives, insurance coverage, increasing health care costs, tax reduction methods,and proper disposition of your estate at death. It is never too late to begin retirement planning!

AN OPTIONAL PERSONAL PLAN AND CONSULTATION

After the last class session, you will have the opportunity to meet privately with one of your instructors. During this meeting, you can ask specific questions regarding your financial goals.

Together, you and your presenter can develop strategies designed to help you pursue your retirement objectives.

OBJECTIVE, FACTUAL INFORMATION Unlike many free, one- to two-hour workshops that promote specific financial products, Financial Strategies for Successful Retirement is completely educational.

The information you receive is objective and factual, without any references to specific financial products. This course introduces concepts and strategies that may help you make informed financial decision.

However, if you want to discuss specific financial products and services,you may do so during the optional retirement planning consultation.

For additional information visit: www.lakeland.edu/developuThe Informed Investor: Retirement Planning for Financial SuccessLakeland University l Plymouth, WI l www.Lakeland.edu

SPRING CLASS CONSISTING OF 3 SESSIONSTHURSDAYS | April 9, 16, & 23 | 6 - 8 PM

THE INFORMED INVESTOR: RETIREMENTPLANNING FOR FINANCIAL SUCCESS

Preparing for retirement may bethe single most important

financial challenge you face today!

FINANCIAL BASICS• Retirement income:

perception and reality• Nine reasons people fail financially

in retirement• Making compounding work for you• Your investments and taxes• Impact of income taxes and inflation• Making your money last• Safe withdrawal rates

INVESTMENTS• Emergency reserves• Traditional cash reserves• Stocks, Bonds and Mutual Funds• Variable Annuities / Index Annuities• Roth 401K verses traditional 401K • Proper asset allocation• Goals-based investing

ESTATE PLANNING• Importance of estate planning• Planning for incapacity• Naming a Power of Attorney• Advanced Health Care Directives• Distributing assets at your death• Joint ownership• Wills, Trusts and Probate• Taxes and your estate

RETIREMENT INCOME• Sources of retirement income• Social Security strategies• Social Security spousal benefits• The value of tax-deferred

contributions• Traditional IRAs and Roth IRAs• Converting IRAs to Roth IRAs• Employer retirement plans• Required Minimum Distributions• Pension survivorship options

RISK MANAGEMENT• Ways to manage risk• Group Health Insurance• Obamacare• Health Savings Accounts• Medicare Parts A, B, and D

• Choosing between Original Medicare and Medicare Advantage plans

• Medicare supplemental insurance• Paying for long-term care• Changing life insurance needs• Liability Umbrella Insurance

LAKELAND UNIVERSITY - ENTREPRENEUR STUDIOYOUNGER FAMILY CAMPUS CENTER

AN EXAMPLE-BASED TEACHING FORMAT

The Informed Investor: Retirement Planning for Financial Success has been created by experts in personal money management education. You will walk through real-life examples that apply to your situation.

Attendees may participate and are encouraged to ask questions.

REGISTRATION IS REQUIRED