Seminars

Adult and Community Education

End of Fall/Winter 2020 to Winter/Spring 2021 Class Schedule

Course Descriptions

The Latest Long-Term Care Asset Protection Strategies
Instructor: Daniel R. Williams, CLU^®, ChFC^®, CFP^®

The high cost of long‐term care can wipe out a family’s life savings in a short period of time. Unfortunately, many families are faced with this situation, finding themselves at the mercy of an under‐funded government Medicaid system with limited choices. Recent legislative changes have created many questions surrounding planning techniques:

• How can I protect my home?
• What is the penalty for giving assets away?
• Are my assets protected if I put them in a trust?
• When is long-term care insurance worthwhile to consider?
• What if my loved one is already in a nursing home, can they protect their assets?

All of these questions and more will be clearly answered in this very important one night seminar.

Understanding Medicare
Instructor: Daniel R. Williams, CLU^®, ChFC^®, CFP^®

If you are close to age 65 or already on Medicare, this class is for you! The class is designed to fully enlighten you on how Medicare works and the different health care choices available to those age 65+.

• How are parts A, B, C and D integrated?
• What is Medicare Advantage?
• What are the pros and cons of HMO’s, PPO’s, and Medigap plans?
• Should I take Medicare if I am still employed?
• How do I avoid late sign up penalties?
• Does any part of Medicare cover long-term care expenses?

Demystifying Social Security 
Instructor: Daniel R. Williams, CLU, ChFC, CFP^®

Deciding how and when to claim Social Security is one of the most critical financial decisions a person will make in his or her lifetime. Did you know that over 70% of Americans do not leverage the rules to get the most retirement benefits available to them? By not understanding the many complex rules surrounding Social Security, you could leave thousands of dollars on the table. In this class, you will learn about strategies on how to get the most from your Social Security retirement benefits.  We will help you determine when you should file for Social Security benefits, and what to consider when planning for spousal, survivor and divorced benefits. You will learn the financial impact of filing early or at full retirement age. We will also discuss buy-back strategies, tax-reduction strategies and coordination with other retirement plans.

About the Instructor: 

Daniel R. Williams, CLU^®, CHFC^®, CFP^®, is a Certified Financial Planner and has been named as one of Boston's top planners in Boston Magazine and The Wall Street Journal.

 Special Offer For Dover Group Clients:

Classes are free of charge for any Dover Group clients. Please contact Kathleen DeBlois at 508-598-1249 to reserve a seat. To receive a course catalog, please contact the schools directly.