Smarter Women Colorado is dedicated to helping women achieve financial freedom. We have access to state of the art insurance products which can facilitate your retirement planning, wealth building, financial and insurance needs. Pat Frederiksen of Smarter Women Colorado has been working with women for years, helping them to achieve financial freedom. The reason Pat… [Continue Reading]

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We offer these types of financial resources and visual aids to help you with preparing for all of your financial needs – please let us know if we have missed something! Financial Goal Curve We have different financial needs at different times in our lives. This curve shows how our financial needs start low, then… [Continue Reading]


September 2015 Free Events

Not Free but really good…
financial freedom9/1 and 9/3 7 – 9pm or 9/12 and 9/19 10am – noon Planning for Retirement Success
Regis University, Claver Hall, 3333 Regis Blvd., Denver 80221
Presented by Jo-Ann Holst, CFP, IAR and president of FUEL Financial. Navigate the “new rules” in this comprehensive course designed to maximize options and strategies for your retirement income.  No products sold at presentation!
$59 per couple/single or $10 off if RSVP by 8/31
RSVP 855-977-0506 or

9/1 Molly Brown House Museum
1340 Pennsylvania St, Denver 80203
Free Admission for Residents of Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, and Jefferson Counties.

kids9/1 4 – 6pm Children’s Museum
2121 Children’s Museum Dr., Denver 80211

9/1 6:30 – 9pm Nature Hike
Standley Lake Regional Park, 100th Avenue and Simms Street
Bring the family for a short nature hike at beautiful Standley Lake to learn about the diverse wildlife in Westminster. After the hike, spread out your blanket or set up your chairs for a documentary about Aldo Leopold, considered by many to be the father of conservation and wildlife management. This is a great opportunity for nature enthusiasts, families, conservationists, and scout groups.
For further information please contact Patti Wright
Phone: 303-658-2201

9/1 7 – 10pm Folk Dancing on the Plaza
Central Park, Boulder
Free participatory dance to celebrate Boulder’s multi-cultural heritage! Outside on the plaza beside the Dushanbe Teahouse in Boulder. There’s instruction from 7-8 p.m. and dancing continues until 10 p.m. Beautiful dances from many countries around the world. No partner or experience needed. Beginners welcome! Learn to dance, experience our cultural heritage, meet new friends, and get in shape, all at the same time. Info: 303-499-6363. Sponsors: Postoley Dance Ensemble, Danceophile Studio, Boulder Community Events Fund.

9/4 Four Mile Historic Park
715 S. Forest St., Denver 8022246
Travel back to 1859…for free! Enjoy a tour of the Four Mile House Museum – a Denver Landmark, panning for gold, and meeting our many farm-animals! On the first Friday of each month, Four Mile Historic Park is offering free general admission, courtesy of the support provided by your Scientific & Cultural Facilities District.

palette9/4 6 – 8pm Clifford Still Museum
1250 Bannock St., Denver 80204

palette9/4 First Friday Art Walks
Art District on Santa Fe – Artify Your Brain.
See, taste and feel the energy that is Denver’s Art District on Santa Fe
Belmar Block 7 Art District – Block 7 will feature four artist–owned working studios, a photographic school and a gallery showcasing a wide range of artwork by local artists. (Located in the Belmar City Center in Lakewood.)
Golden Triangle Museum District – Meet the artists, see new exhibitions, shop for local art and get inspired at the galleries open on First Friday. The neighborhood is also home to the Denver Art Museum, Clyfford Still Museum, Kirkland Museum, Denver Firefighters Museum and the Byers–Evans House Museum with Plein Air art on display.
Navajo Street Art District – Stroll the district tucked away in the Lower Highlands area of Denver, home to amazing galleries, great performance art and ample parking. Join us for Day of the Dead celebrations. It’s truly one of the best little Art Districts in town to experience art!
Old South Gaylord & South Pearl – Take time to visit these two neighborhoods south of downtown Denver; both are home to many artist’s studios and galleries, along with one–of–a–kind shops and restaurants.
RiNo (River North Art District) – Tour the district “Where art is made!” RiNo is home to creative businesses and more than 60 galleries and studios and 150 artists including painters, media artists, sculptors, photographers, illustrators, designers and furniture makers.

taste of colorado9/4 -7 A Taste of Colorado-Festival of Mountain and Plain
Civic Center Park , E. Broadway Ave. & Colfax Ave., Denver, CO 80202
Delight your taste buds with creations from Colorado’s favorite food establishments. Enjoy appetizers, entrees, and desserts in full-sized portions with friends or in sample sizes by yourself. Discover ethnic specialties or indulge in your traditional favorites. An elegant Fine Dining Area is showcased, highlighting gourmet cuisine from renowned chefs and offering daily cooking demonstrations.

grandparents9/5 10am – 4pm Grandparents Day at Denver Firefighters Museum
1326 Tremont Place Denver, CO 80204 (map)
Seniors and their grandchildren are free Hours are 10am-4pm, with activities available 10am-2pm

palette9/5 Denver Art Museum
100 W 14th Ave Pkwy, Denver 80204

note9/5 2 – 3:30pm Elvis and the Superstars Show
Bemis Public Library Meeting Room, 6014 S. Datura Street, Littleton 80120
See the Elvis and the Superstars Show as performed in Las Vegas and Branson, Missouri by master impersonator, Dave Ehlert. Hear popular songs performed by Elvis Presley during his amazing musical career as well as songs from a dozen other stars including Neil Diamond, Dean Martin, Johnny Cash, Rod Stewart and more! Dave Ehlert has been featured on the Oprah show, CNN, Fox and CBS television networks.

note9/6 6 – 9pm Summer Concert featuring White Water Ramble
Sweetwater Park
Round out the summer on Labor Day weekend with a free concert featuring Bluegrass band White Water Ramble in Sweetwater Park.

9/6 12 noon – 4pm Boulder History Museum
1206 Euclid Ave., Boulder 80302

9/8 7 – 10pm Folk Dancing on the Plaza
Central Park, Boulder
Free participatory dance to celebrate Boulder’s multi-cultural heritage! Outside on the plaza beside the Dushanbe Teahouse in Boulder. There’s instruction from 7-8 p.m. and dancing continues until 10 p.m. Beautiful dances from many countries around the world. No partner or experience needed. Beginners welcome! Learn to dance, experience our cultural heritage, meet new friends, and get in shape, all at the same time. Info: 303-499-6363. Sponsors: Postoley Dance Ensemble, Danceophile Studio, Boulder Community Events Fund.

flower pink9/9    9am – 5pm Hudson Gardens
6115 S. Santa Fe Dr., Littleton 80120

flower pink9/9 Denver Botanic Gardens
1007 York St., Denver 80206

9/10 9am – 4pm Aurora History Museum
15051 E. Alameda Parkway Aurora, Colorado 80012 (map)
The only public, FREE museum in Aurora, Colorado, the Aurora History Museum is a community-based cultural center featuring changing history, natural history, culture, fine and decorative arts exhibits and programs.

crane9/10 – 14 Yampa Valley Crane Festival
Bud Werner Memorial Library, 1289 Lincoln Ave.
With beautiful fall weather and hundreds of Greater Sandhill Cranes staging in the Yampa Valley before migrating south, September is a perfect time for a visit to Northwest Colorado.
The 4th Annual Yampa Valley Crane Festival will take place Sept. 10 through 14, 2015 in Steamboat Springs and Hayden, Colorado. It will feature five days of free events including daily crane viewings, expert speakers, films, crane art, workshops, family activities, live raptors, ranch tours, community barbecue, guided bird and nature walks, and more.
Many of the events will be spread across Steamboat Springs and Hayden, Colorado.
Directions to crane viewing sites are available at the festival headquarters at Bud Werner Memorial Library, 1289 Lincoln Ave., or online at
Please visit for a complete festival schedule

flag              9/11 Patriot Day


palette9/11 6 – 8pm Clifford Still Museum
1250 Bannock St., Denver 80204

9/11 2 – 4pm Film: Far from the Madding Crowd
3 Community Park Rd., Eisenhower Room, Broomfield 80020
No registration required. Free Popcorn!

corn shock9/11-13 90th Annual Harvest Festival Parade
Olde Town Arvada
The 90th annual Arvada Harvest Festival and Parade – September 11-13, 2015 – will celebrate the progress of transportation that has impacted Arvada over the years. From the wagon train stop where “Lay bye. Gold Found” by Lewis Ralston, to horse and wagon trips to Denver City for mail and supplies pickup, to the Colorado Central Railroad coursing through Arvada from Denver to Golden – transportation advances made it possible for Arvada to become a new Colorado town. Benjamin Franklin Wadsworth platted and named Arvada (actually named after his wife’s brother in law, Hiram Arvada Hoskins). Wadsworth worked to attract shopkeepers to streets Railroad (now Grandview) and Centre (now Wadsworth Blvd.) E.E. Benjamin’s Arvada Flour Mill was established in 1925. But that wasn’t the only distinction of 1925. Rail transportation was vital to Arvada; in 1902 the Denver Urban, called the “trolley”, began regular runs from Arvada to Denver. Hmmmm – could the Gold Line be far behind?!?! Early Arvadans desperately needed roads for the first autos in the area. In 1922 the Arvada Town Board ordered 52 loads of gravel for spreading along Grandview (thankfully, Wadsworth Road was already “graveled”.) Arvada’s men spread the gravel through the business district to connect Arvada’s “Main Street” with the under construction cement road from Denver (which would end at Graves Avenue, aka Lamar-Marshall St.)
Ninety years ago the first Arvada Harvest Festival celebrated the completion of the first paved road from Arvada to Denver!
In 2015 we’ll celebrate that progress and look forward to our new “trolley” – the Gold Line.
Get on the wagon train, RR train, in your car, on your bike, on your feet, on your horse and any other version of getting from “here to there.”

9/12 Longmont Museum
400 Quail Rd., Longmont 80501
The Longmont Museum & Cultural Center, housed in a distinctive contemporary building, features changing exhibits in history, art, and science, as well as the award-winning Front Range Rising, a long-term exhibit on the history and culture of this region. An expansion project currently underway will add the 250-seat Stewart Auditorium and Cone-Shortall stage, the Swan Atrium, and the Kaiser Permanente Education Center to the Museum.

9/12 4 – 7pm Candelas Fest
Cimarron Park
A Candelas evening of fall fun for the entire family. Live music, food, hay rides, games, bounce house and more.

corn shock9/12 10am – 5pm Harvest Festival
Community Park, Thornton Parkway and York Street
Thornton Harvest Fest is designed to build on the community spirit of our residents and business leaders
and will take place in Community Park located at the intersection of York St. and Thornton Parkway.
This Web site has been developed to give you as much information as possible on this event.
If you are in need of more information, please call 303-255-7800.

dinosaur9/12 10am – 2pm Dinosaur Discovery Day – Geohazards and Preparedness
Dinosaur Ridge, 16831 West Alameda Parkway, Morrison, CO (map)
Join the Friends of Dinosaur for free hands-on activities, including gold panning, fossil sifting, metal detecting and dinosaur track painting at the Visitor Center! Sluice mining and geode cracking will be available for a fee. FODR geologists and visiting experts will man booths about earthquakes and faulting, volcanic eruptions and volcanic ash, landslides and rockfalls, radiation, floods, swelling soils, wildfires, and other hazards. Denver Firefighters Museum and West Metro will participate. Ready Colorado, Metro Volunteers and Radio Disney will offer expertise on preparedness as part of FEMA’s National Preparedness Month. On the trail, guides will explain the geology and fossils along Dinosaur Ridge. Biking or hiking the trail is free or take the shuttle for $4 per person, 3 & under ride free. Dinosaur Ridge is a National Natural Monument with rock formations that include dinosaur footprints, bones and other evidence of early life and geology of the area. Located in Morrison, Dinosaur Ridge has dinosaur bones and footprints, plant fossils, a gift shop, hiking trails and other points of geologic interest. In Golden, Triceratops Trail is a 1.5-mile, gravel hiking trail (located one block east of 6th Avenue and 19th Street) that winds between large, vertical walls of sandstone and into reclaimed clay pits that feature dinosaur, bird, mammal, insect and invertebrate tracks and traces, clay mining remnants, and plant impressions.

italian flag9/12 10am Festival Italiano
Belmar, 464 S. Teller St., Lakewood, CO 80226
Festival Italiano is known for serving up the region’s best selection of homemade Italian specialties for guests as well as an artisan marketplace, live music on two stages, wine tastings, kids activities (grape stomping), a bocce tournament and flag throwers flown in from Italy for the weekend! Plans for 2014 include a new level of entertainment at this free community event!

palette9/12 MOA – Museum of Outdoor Arts
1000 Englewood Parkway Suite 2-230 Englewood, CO 80110
MOA offers indoor galleries, studios and special events and programs.

palette9/12 10am – 4pm 26th Annual Denver Art Museum Friendship Powwow & American Indian Cultural Celebration
Denver Art Museum, 100 W 14th Ave Pkwy, Denver 80204
One of the Denver Art Museum’s longest-running events, the 26th Annual Friendship Powwow and American Indian Cultural Celebration will feature American Indian dancers, drum groups, working artists, hands-on activities, artist booths, and more. The DAM’s Friendship Powwow is a celebration of the vitality of American Indian cultures. Gourd dance will begin at 10 a.m. with the powwow grand entry at noon. Plus many activities for the entire family.

dog9/12 10am – 2pm Wag N’ Romp
Cook Creek Pool
Join us for the annual Wag N’ Romp dog event on Saturday, September 12, 2015 from 10:00 am – 2:00 pm at Cook Creek Pool. Entry is FREE, donations to the dog rescue are welcome, and dogs can take a splash, wag for a treat, and have a sniff or two. Owners can check out the latest and greatest in pet products from local pet vendors or adopt a pet on the spot! Kids crafts for the kids provided by South Suburban Parks and Recreation.

light bulb9/13 1pm Healthy Wealthy Women
FUEL Financial, 550 S. Wadsworth Ste. 401, Lakewood 80226 (First Bank Building in Belmar)
Tired? Stressed? Overwhelmed?  Don’t know where to start?
Health and Wealth explained with the help of
Laura Kilty “Hot Flash Hero” and Pat Frederiksen “Retirement Income and Medicare Specialist.”
Invest your time only and learn strategies for a happier life through better health and better financial options.

palette9/18 6 – 8pm Clifford Still Museum
1250 Bannock St., Denver 80204

palette9/18 MOA – Museum of Outdoor Arts
1000 Englewood Parkway Suite 2-230 Englewood, CO 80110
MOA offers indoor galleries, studios and special events and programs.

note9/18 6 – 7pm Denver Brass @ 10th Annual German-themed Festival
O’Brien Park parking lot, 10795 Victorian Drive, Parker

pioneer-clip-art-5700869/18-20 Florence Pioneer Days Festival
Florence’s celebration of Pioneer Heritage. Junktique, Punktique, Parade, Airshow, car show, music and more.


9/19 10am -2pm Broomfield Days
Midway Park, Midway Boulevard, Broomfield CO
This one-day festival is held at Midway park on the third Saturday in September. It is an outdoor festival that is held rain or shine so be prepared for the unpredictable Colorado weather. Broomfield Days began as an opportunity for local non-profit groups to raise funds for their organizations. We continue this tradition by asking vendors to donate to a non-profit. The day includes breakfast at the Girl Scout Shelter, sponsored by the Lions Club, a parade, a race, shopping, entertainment and more.

palette9/19-20 Centennial Chalk Art Festival
Centennial Park, 13050 E. Peakview Ave., Centennial 80111
Join us for this free event and watch as talented artists bring masterpieces to life right at your feet. There’s something for everyone to enjoy at what is sure to become Centennial’s most colorful weekend:
Meet the artists-Delight in live music-Savor food and beverage offerings-Have fun in the Kids’ Circle

note9/19 2 – 3pm Musical Moments – The Tom Allan Grengs Polka/Variety Duo
Bemis Public Library Sophie’s Place, 6014 S. Datura Street, Littleton 80120
The Tom Allan Grengs Polka/Variety Duo will entertain with a diverse repertoire of traditional international music featuring the distinct sounds of German, French, Spanish and Italian heritage – from polkas to bossa novas and waltzes.

dinosaur9/19 10am – 2pm Dinosaur Ridge – Geohazards & Preparedness plus Geocaching
16831 W. Alameda Parkway Morrison, CO 80465
On the Ridge geologists will present several geohazards such as rockfalls and volcanic ash. Several booths at the Visitor Center will present preparedness for geohazards. Geocaching Colorado will demonstrate geocaching at their booth. Free admission. Hike or take an optional shuttle bus onto the Ridge ($4, 3 & under free).

palette9/19 – 20 10am – 4pm Art Walk Weekend
Manitou Springs
Art Walk Weekend is a featured weekend in September that the galleries of Manitou Springs offer refreshments, art demonstrations, and live music. The Art Walk Weekend celebrates creativity in the Pikes Peak Region. This year the Art Walk Weekend will take place on September 18th – the 20th.
From March until November take advantage of the every 3rd Friday Art Walk. Galleries in Manitou Springs feature food, beverages, entertainment and local artists.
For more information visit

note9/20 4:30pm Brass Under Glass!
Denver Center for the Performing Arts (DCPA) , 1400 Curtis St., Denver 80204
Free concerts every third Sunday, live from the Denver Performing Arts Complex Galleria.
Bring a lawn chair and experience the magical surround-sound of the acoustically magnificent Denver Performing Arts Complex glass Galleria. It’s a favorite performance space of ours, and it will surely become one of yours too!

Buffalo Bill9/20 12 noon – 4pm Buffalo Bill’s Western Roundup
Buffalo Bill Museum & Grave, 987 1/2 Lookout Mountain Rd., Golden 80401
Meet Buffalo Bill and Annie Oakley. Learn how a civil war cannon works. Shake hands with Native Americans and learn about their culture.
These are just a few of the FREE activities you will be able to enjoy as we celebrate the end of another wonderful summer with Buffalo Bill’s Fall Roundup! Throughout the afternoon the Museum will highlight the skills and knowledge of our volunteers, provide craft and hands-on activities for kids, and offer an abundance of photo opportunities.

palette9/25 6 – 8pm Clifford Still Museum
1250 Bannock St., Denver 80204

national park logo9/26 Rocky Mountain National Park Free Entrance Day
Rocky Mountain National Park, 1000 US Highway 36, Estes Park 80517


palette9/26 MOA – Museum of Outdoor Arts
1000 Englewood Parkway Suite 2-230 Englewood, CO 80110
MOA offers indoor galleries, studios and special events and programs.

palette9/26 10am – 6pm Historic South Westminster Orchard Arts Festival
3915 W. 73rd Ave., Westminster, CO
Music, art, food trucks, farmer’s market, sculptures and more!
Phone: (303) 955-2714

9/27 9am – 5pm Denver Museum of Nature & Science Free Day
Denver Museum of Nature & Science , 2001 Colorado Blvd., Denver, CO 80205

Bad news on cost of living raises for Social Security

social security     An article I read about future Social Security and Medicare

(The writer is a Reuters columnist. The opinions expressed are his own.)

By Mark Miller

(Reuters) – Retirees are facing a double whammy next year: no inflation adjustment in their Social Security benefits and a whopping 52 percent jump in certain Medicare premiums.

The Medicare premium hikes will hit only 30 percent of beneficiaries: those who are not protected from a “hold-harmless” provision in federal law that prohibits any premium hike that produces a net reduction in Social Security benefits. But the increases suggest strongly that the recent trend of moderate healthcare inflation is ending.


Final figures for 2016 will not be available until the fall, but the recent annual report of Social Security’s trustees projects that there will not be any cost-of-living adjustment (COLA) next year.

The COLA is determined by averaging together third-quarter inflation as measured by the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Inflation has been flat due to collapsing oil prices.

The forecast underscores the need for a better gauge of the healthcare inflation that disproportionately affects seniors.

Advocates have argued for years that an alternative, the Consumer Price Index for the Elderly (CPI-E), would do just that.

If the CPI-E had been in place from 1985 to 2014, Social Security benefits last year would have been 6.5 percent higher than they are today, according to an analysis by J.P. Morgan Asset Management.


Healthcare inflation has been quiet lately – annual growth in total Medicare spending averaged 4.1 percent         from 2010 to 2014, compared with 9 percent from 2000 to 2010 – even though the number of enrolled                    beneficiaries rose.

But renewed cost pressures are pointing toward much higher Medicare premiums starting next year, according to the Medicare trustees’ annual report.

Consider the monthly premium for Part B (outpatient services), which has stayed at $104.90 for the past three years. The Medicare trustees projected that the premium will jump 52 percent, to $159.30 for beneficiaries who are not protected by the hold-harmless provision.

That would include anyone enrolled in Medicare who is not yet taking Social Security benefits due to a decision to delay enrollment. It also would include new enrollees in Medicare next year. (The increase also would be applied to low-income beneficiaries whose premiums are paid by state Medicaid programs).

High-income retirees – another group that is not protected by the hold-harmless provision – also will be hit hard if the trustee projections hold.

Affluent seniors already pay more for Medicare Part B and also Part D for prescription-drug coverage. This year, for example, higher-income seniors pay between $146.90 and $335.70 monthly for Part B, depending on their income, rather than $104.90.

The Medicare trustees now project that to jump even more.

“When you combine it all, it’s looking pretty ugly,” says Sharon Carson, a retirement strategist at J.P. Morgan Asset Management.

Higher costs for the affluent look like a trend that could accelerate further. The recently passed “doc fix” legislation (which corrects long-standing problems with reimbursement rates to physicians) shifts a higher percentage of costs to higher-income seniors starting in 2018.

Seniors with incomes of $133,000 to $160,000 would pay 65 percent of total premium costs, rather than 50 percent today. Seniors with incomes between $160,000 and $214,000 would pay 80 percent, as they do today.

“Congress will probably go back to that well again,” predicts Carson, and she thinks one possible outcome will be lower income thresholds.


Medicare premiums are not the only area where seniors may feel the impact of impending healthcare inflation. The median healthcare cost for a 65-year-old in 2014 was $4,400, according to recent J.P. Morgan research; the firm expects those costs to rise at an annual rate of 6.1 percent over the next 20 years, to $17,000 at age 85 (the costs include Medicare Part B, Part D, and Medigap premiums, out-of-pocket expenses, and vision and dental services.)

There Are No Chickens to Cross the Road…

There are no chickens to cross the road…
Due to disease running through the chicken and turkey farms, the cost of eggs, chicken and turkey is dramatically on the rise.   These figures as of June 6, 2015. The estimate is that the number will top 50 million for the chicken and turkeys being “depopulated.” Here is a time line for new production….in a perfect world!

What does the future hold? (in a perfect world):
Ø If a barn/farm got disinfected today –
Ø It will take a minimum of 8 weeks for the USDA or other agency to approve it for use and repopulation again –
Ø It will take about 20 weeks for the young chicken to lay an egg –
Ø It will take about 24 weeks for the young turkey to be at market weight –
Ø We are in week 24 of the calendar year –

Ø 8 + 20 = 28 weeks for layers = mid December 2015
Ø 8 + 24 = 32 weeks for turkeys = early January 2016

So what does this mean to us consumers? Prices up, less product. If you want a turkey for Thanksgiving, best to buy it now. There may not be any by then or the cost will be astronomical!

Do You Need a $1,000,000 to Retire? What is Your Destination?

Let’s look at this from another perspective.
Income needs to exceed expenses. Housing is one of the major financial considerations. Will you relocate in retirement? Will you “right size?” What will be gained or lost in relocating or staying where you are? Major considerations are family, finances, healthcare and culture. I can help you know your financial picture.
If you are contemplating relocation, try living in the location for an extended period to see if it is a good fit. Visit the location in their worst weather such as winter in Northern climates, the Southeast in humidity peaks and the Southwest in scorching summer heat. Consider that there will possibly be 2 retirement moves. The first move may be to an active community during the early years and then to close proximity to family/assisted living/skilled nursing during the later years. Another consideration for couples is if the surviving spouse would feel comfortable at this location. How long will you be able to drive?
Wherever you live, you will take many of your problems with you, because you will be the same person wherever you go. Same problems in a different location!
Here is a list of questions to consider from the magazine “Where to Retire.”
1-Where do your family and friends live? Do you need to be close by?
2-What do you do in your free time? Which locations offer the maximum amount of activities you enjoy?
3-How does weather affect you? Do you see yourself living in multiple locations at different times of the year?
4-What do you want to see when you wake up in the morning and step outside your home? Do you prefer certain architectural styles? Do you need lots of restaurants and cafes? Do you need nature?
5-Do you travel often? Do you need to be close to an international airport or a seaport?
6-What is the median price of real estate in the top five cities you’re considering, and how much square footage does your budget get for you in each?
7-Are you looking to try someplace new, or are you trying to recapture some nostalgia from a place you once enjoyed?
8-Will you depend on public transportation and/or driving a car? What will be the cost of each?
9-Do you need plenty of opportunities for dance, music, art and spirituality?
10-Have you had a frank and honest discussion with your partner/self?
Your check list might also include access control (gated), home owners insurance rate, utility cost, age restricted, services for aging population, green built, shopping, library, educational classes, golf, tennis, equestrian trails, hiking trails, water access, spa services, dining on-site, garden, fenced dog park, craft store, HOA restrictions. What is important to you?
All of these options come together to answer the question of how much money you will need for retirement.

Retirement Planning for Success

Retirement Planning for Success
This course examines the latest academic research from Boston College, The Wharton School of business, and the University of Michigan. This is a comprehensive 2 part course designed for those in the early stages of retirement and those about to retire who are focused on income maximization options and strategies. Presented by Jo-Ann Holst, a Certified Financial Planner and Investment Adviser Representative of Royal fund Management.
You will learn core priorities, Social Security, income plan, tax efficient asset allocation.
Classes are held at Regis University, 3333 Regis Blvd. Denver 80221
7 – 9pm Tuesday 9/1 and Thursday 9/3 or 10am -12noon Saturdays 9/12 and 9/19
To Register call 855-977-0506
Tuition and fees are $59 per individual or couple