Determining which Medicare plan you need can feel like a maze of uncertainty. You will be provided information regarding Medicare, Medicare prescription drug coverage, Medicare Advantage plans, Medicare Supplemental plans, and tips on how to save money, avoid paying penalties and how to navigate through the process with more confidence.  Before this Zoomed class you'll receive supporting informantion to follow along (and for your future reference). Tune into the presentation from the comfort of your home, while still seeing and interacting with the instructor. Be sure to call 596-7752 x3 to enroll in your preferred session.  Spectrum Generations is a non-profit organization; donations are always appreciated.

H - Ready or Not? Preparing for the Unexpected via Zoom

In this 35-minute program you'll learn tips on how to develop a proactive strategy for protection and preparing for the unexpected. 

Thursday, May 20, 6 – 7:30 pm Winter

Instructor: Robert L. Smith, Financial Advisor Edward Jones                                  Course fee: $7

A seminar that discusses income during retirement. We’ll explore how to budget for retirement expenses, examine potential sources of retirement income and identify ways to address potential risks.

Tuesday, 6 - 7 PM,  May 25, $15

Estate Planning – Prepare for the Uncertainties of Life Kathryn Bedell, Esq. Overview of basic estate planning, including Wills, Powers of Attorney, Health Care Directives.

H - Preparing Your Estate Plan via Zoom

This is a 60-minute seminar designed to help people better understand the basics of planning for their estate so they can consider the options that make sense for their specific situations. 

Thursday, May 27,  6 – 7:30 pm

Instructor: Robert L. Smith, Financial Advisor Edward Jones                                 Course fee: $7

Stephen, a local real estate broker from the Kittery area, developed this seminar for the purpose of giving homeowners the necessary tools and knowledge for what it takes to prepare for a move both physically and psychologically. Steve brings to this seminar the experience gained from a long real estate career in Vermont.

3 Thursday sessions

March 18 or April 29 or May 27, 6:30-8 p.m.

Course Fee: $20

Do you or a loved one need help understanding your options with Medicare? Did you know there are two ways to get your Medicare: Original Medicare and Medicare Advantage? When should you take Part A, Part B? Do I need a Medigap (supplement) Plan, a Prescription Drug Plan (Part D)? How do Marketplace Plans work with Medicare? Are you already enrolled in Medicare and want to better understand your choices for switching plans and potentially saving money during the Annual Open Enrollment Period beginning in October? If you have answered YES to any of these questions, then this session is for you. Sponsored by the Southern Maine Agency on Aging our highly trained SHIP Counselors offer current, relevant, and unbiased information you can use to make an informed decision about your health insurance.

This one hour course is generously offered free of charge by the Southern Maine Area on Aging, donations to SMAAA are always gratefully accepted.

Instructor: John Holland, Certified SMP/SHIP
Section 1: Tuesday, 2/2, 6:00 - 7:00 PM
Section 2: Tuesday, 3/2, 6:00 - 7:00 PM
Section 3: Tuesday, 4/6, 6:00 - 7:00 PM
Section 4: Tuesday, 5/4, 6:00 - 7:00 PM
Section 5: Tuesday, 6/1, 6:00 - 7:00 PM
Location: Online via Zoom
Fee: Free 

This class is distinctly online.

Every successful person in the workplace utilizes financial information to aid effective decision making. The Certificate in Accounting and Finance for Non-Financial Managers explains the financial concepts and accounting processes used in most businesses and will provide practical techniques that will increase your effectiveness and career. First, get a foundation to understand the seven steps in the accounting cycle and use financial information in decision making. Come away with the knowledge to analyze resource allocation and evaluate financial performance.   Then find out what you need to know about cash.  Cash is the non-financial manager who really makes a difference in the day-to-day cash activities. Discover how to maximize cash flow, learn the importance of cash and find out your role in cash flow success. Finally, acquire advanced knowledge on the financial information that drives your organization. See how business reports are assessed and analyzed.  An understanding of this information will help you make smart decisions when it comes to budgeting, setting goals, and assessing performance within your own area of influence.  Learn to use financial information in decision-making.

This includes three classes which may be taken individually or grouped as a certificate:

          Account & Finance for Non-Financial Managers -  $195

          Cash is King - $195

          Financial Analysis & Planning - $195

For full details, see:  https://www.yougotclass.org/index.cfm/Sanford

SCAEcertificate