This beginner-friendly session is designed for individuals with little or no prior knowledge of personal finance. Participants will learn basic fundamental concepts such as budgeting, saving, bank accounts, the basics of credit and credit scores, basic insurance needs and debt. The class will use simple language, real-life examples, and interactive activities to help attendees gain confidence in managing their everyday finances. Instructor George Revoir.

Students will be given a high-level overview of MassHealth’s financial requirements so MassHealth, not the family, pays the long-term care nursing home bill. From that foundation, the following powerful tools will be discussed in detail: The Irrevocable Trust, the Caregiver Child Exception, the Adult Disabled Child Exception, the Medicaid Qualified Annuity, Pooled Trusts, and Long-Term Care Insurance . The instructor will explain the benefits and limitations for each tool. The instructor invites and encourages questions throughout the course. Instructor Atty Karen G. Jackson

This session builds on the foundational knowledge from Section 1, introducing more in depth topics such as setting financial goals, understanding interest rates, and the basics of investing. Participants will also explore strategies for managing debt, planning for emergencies, retirement saving options ( IRA, ROTH, 401(k) plans ) and making informed financial decisions. The class will include practical exercises and discussions to help solidify these essential skills. Instructor George Revoir. No class November 11.

Will you be financially ready to retire at the age you're planning? If you haven't started planning, how do you begin the process? In this comprehensive retirement planning course, learn strategies on how to: create your own goals for a successful retirement; plan your retirement income to preserve a comfortable standard of living; transfer the risk of potential losses before and during retirement; remain financially flexible during retirement; reduce or eliminate taxes, expenses, delays and legal challenges with estate planning. Program includes free Text/Reference Guide and Personal Financial Fact Finder. Non-credit tuition includes couples. Instructor Jack Yvon.

Many people start taking social security as soon as possible… but is this the best choice for you? Learn how to maximize your social security and survivor benefits. Strategies for those that are single, married, divorced and widowed will be discussed. Cost of living adjustments, taxation of benefits and working while collecting social security will be explained. Coordinating other retirement accounts with social security distributions and Required Minimum Distribution rules will be explained to assist you in making informed decisions. Workbook included. Instructor: Susan Allen.