Cambridge-Isanti Community Education

Social Security is one of the few income sources that keeps up with inflation and lasts for life. Most women fail to maximize their benefits because they don't understand the little known rules that can help them get more out of the system. In this educational workshop for women, you will learn essential information to help ease any concerns about financial security in retirement. This workshop will cover: How much Social Security you stand to receive over your lifetime. How the decisions you make in your 60s can determine the amount of income you'll have in your 80s. How to take advantage of spousal benefits, survivor benefits, divorced spouse benefits, and even divorced spouse survivor benefits. How to coordinate your own retirement benefits with benefits you might receive as a souse or divorced spouse. Why women who are married should make decisions about when their husbands should apply for Social Security. Why you should consider your husband's life expectancy when deciding when to claim your own retirement benefits. What to do if your husband or ex-husband dies. What to do if your marital status changes. How to plan for the extra-long life. This workshop will be presented by Cody Clem, North Metro Money Management in St. Francis. Securities offered through Parkland Securities, LLC, FINRA/SIPC. Fee based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Northmetro Money Management is independent of Parkland Securities, LLC, and Sigma Planning Corporation. COVID-19 Safety Precautions: Face masks are required to be worn at all times during this class. Participants must use hand sanitizer or wash hands as they enter the room. Participants will be spaced out in the room and will social distance as much as possible. If you are sick and experiencing any COVID symptoms, please do not attend class.

The Social Security decisions spouses make when they are in the 60s will determine the amount of total income they will receive over their lifetime, including the lifetime of the spouse who lives the longest. This workshop will cover some little known rules that can help married couples get more out of the Social Security system. This class is for married couples as it discusses Social Security benefits available to spouses. The workshop will cover: How much Social Security you and your spouse stand to receive over your joint lifetime. Rules and guidelines for when spouses should apply for benefits. How the decisions you make in your 60s can determine the amount of income you, or your surviving spouse, will have in your 80s and 90s. How spouses with little or no prior earnings can take advantage of Social Security benefits. How a little-known rule passed in 2000 has opened the door to creative spousal strategies. The number one most important thing all higher earning spouses should do. The two key things you need to know about Social Security survivor benefits. How remarriage affects your survivor benefits from a former spouse. How to avoid mistakes at the Social Security office. This workshop will be presented by Cody Clem, North Metro Money Management in St. Francis. Securities offered through Parkland Securities, LLC, FINRA/SIPC. Fee based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Noethmetro Money Management is independent of Parkland Securities, LLC, and Sigma Planning Corporation. COVID-19 Safety Precautions: Face masks are required to be worn at all times during this class. Participants must use hand sanitizer or wash hands as they enter the room. Participants will be spaced out in the room and will social distance as much as possible. If you are sick and experiencing any COVID symptoms, please do not attend class.

Never painted with oil? No need to worry! This is the perfect class for painters of all levels who want to learn more about the various techniques used with oil. You'll connect with others in a relaxed environment as you receive step-by-step instructions and demonstrations. You'll find out just how easy it is to create a beautiful painting! Participants purchase their own supplies, estimated at about $80 for first time painters. For participants who have been in the class before or those who have supplies already, the cost is much less. A list of the supplies will be provided by email once minimum enrollment has been met. Please note, this class is in a new location. It is now at the Education Services Center, located at 625 Main Street North. Please enter the building using door #5. COVID-19 Safety Precautions: Face masks are required to be worn at all times during this class. Participants must use hand sanitizer or wash hands as they enter the room. Participants will be spaced out in the room and will social distance as much as possible. If you are sick and experiencing any COVID symptoms, please do not attend class.