ARE YOU WINNING THE RETIREMENTGAME?

PLAN YOUR NEXT MOVE

SOCIAL SECURITY

Social Security has changed! Congress recently removed two claiming strategies that were of great benefit for couples. • Join us for an informational

presentation on Social Security/Medicare: The new claiming rules

• When should you claim? • What happens if I claim early?• Will my social security benefits

be taxed?

• Medicare is confusing, why do I need another health plan?

• Do you need Plan D?

The folks at Social Security are not there to provide advice. They are there to calculate your benefit on the day you decide to claim. How will you integrate Social Security with your retirement income plan?

LOCATION & TIME

9841 Broken Land Parkway 1st floor

Columbia, MD 21046

WEDNESDAYS @ 7pm

CLASS OFFERINGS

Feb 10 & 17 Social Security Do you know the new rules?

Feb 24 & Mar 2 Medicaid The Lurking Creditor

Mar 9 & 16 Economic Armagedon Is the sky falling?

May 4 & 11 Risks & Returns How do you control what you’re not measuring?

May 18 & 25 Retirement Income Planning Case Studies

Jun 1 & 8 Advanced Planning Protecting your Net Worth

Jun 15 & 22 Myths How does the market really work?

FREE CLASSES FROM WALSH & COMPANY P.A.

CLASS DESCRIPTIONS

WHY TAKE OUR CLASSES?The Wealth Academy presents the 2016 Estate and Financial Planning Workshop Series: Preserving Your Assets Despite Tax Regulations and the Market! This 1st annual workshop series is brought to you by the attorneys of Walsh & Company, P.A. and the financial advisors of Theus Wealth Advisors. Together it is our mission to empower our clients with the knowledge necessary to better prepare for their future. The reality is that the financial market, tax regulations, and federal and state laws are constantly changing, but average Americans remain unaware of changes that may drastically affect their plans for the future. Through this workshop series it is our goal to provide you with the tools necessary to understand current changes and use them to your advantage. This year’s workshop series is one you cannot afford to miss.

Workshop Instructors

Jessica Gorsky, Esq., has a LL.M. (Masters of Law in taxation) and certification in estate planning. Her practice includes medicaid planning, estate planning, and taxation at the firm.

J’Neanne Theus is CEO/Founder of Marathon Financial Group, LLC, a Registered Investment Advisor, doing business as Theus Wealth Advisors. She teaches retirement planning at Howard and Baltimore County Community Colleges, helping individuals and business owners understand how to play and win the financial chess game. She is also a retired Naval Intelligence Officer.

FREE CLASSES FROM WALSH & COMPANY, P.A.

MEDICAID

Are you an average middle class American reaching retirement or currently retired? Have you thought about how you will pay for nursing home or other long-term care services down the line? Today, 90% of senior citizens rely on Medicaid as the primary source of payment for their long-term care. Nursing homes will have you believe that you must spend down your entire net worth before Medicaid can help you, but this is not true.

Attend this seminar to learn an overview of the Medicaid qualifications in the State of Maryland and learn how to use assets protection tools while also facilitating Medicaid eligibility.

ECONOMIC ARMAGEDDON

When the market is negatively volatile, investors lose perspective. (Funny how you probably didn’t notice when the market is positively volatile.) It’s easy enough for you to lose focus when Wall Street and their media machine constantly predict doom and gloom. But what effect, if any, does the economy really have on market returns? Is there a ‘Congressional’ effect? What really happens to returns during recessions? What about the

ARE YOUR PIECES IN PLACE FOR YOUR

RETIREMENT?

economy or the dollar or Greece? This presentation will give you a broader view of the actual returns of the market, regardless of the politics, taxes, or economics. A workbook is included to help you with the bigger picture.

RISKS & RETURNS

Can managers really beat the market? Can a stock broker (or you) really know which stock will outperform in any given year...ahead of time? What kinds of risks can influence investments? What kinds can potentially wipe out your portfolio? Do you ever wonder where returns really come from?

We will cover the factors that determine return and the risks that are worth taking. A workbook will be provided for you to follow along and take notes.

RETIREMENT INCOME PLANNING What if you could peek into the retirement plan of your neighbor to see how yours compares? When would you want to know if it isn’t working ... or that it could fail in the future? Some of the best laid plans will fail because people often make poor choices later in life. We will explore the ‘red zone’ - when you run out

of money. Join us for a lively discussion of what life can throw your way.

ADVANCED PLANNING

How well is your written financial plan integrated with your actual financial life? We live in 3D, and your plan should reflect that. Did you know that there are ways to create your own pension plan...completely outside the IRS’s reach? Are qualified plans the best instrument for your long term? How can you spend it all and leave it all? What is the value of leveraging risk to you? Insurance and trust planning isn’t just for attorneys. Come learn how to make advanced planning tools work for you... while you are still alive. Materials will be provided.

MYTHS Would you like to know how the market REALLY works? Wall Street and their media machine would like you to think that their stock brokers and fund managers know how to beat the market. But do they? Chasing ‘the next best thing’ costs investors millions, while Wall Street wins regardless of how you do. Join us for a presentation on the Myths and Truths of returns – based on Nobel Prize winning research.

ARE YOUR PIECES

IN PLACE FOR YOUR

RETIREMENT?

REGISTER TODAY FOR FREE CLASSES TO LEARN MORE ABOUT RETIREMENT PLANNING

BRING YOUR SPOUSE OR A FRIEND FOR AN EVENING OF EDUCATION, INFORMATION, AND FUN.

ALL ATTENDEES WILL RECEIVE COUPONS OFF FUTURE LEGAL SERVICES.

COUPONS ARE TRANSFERABLE

Register online @http://tinyurl.com/walshacademy

or call 800.480.6365 to sign up

PHOTO BY: JONATHAN HUDSON

Let’s Keep in Touch!

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Walsh & Company

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