True Story: My mother was diagnosed with Covid-19 so bad that her oxygen level was literally 58%. We took her by ambulance to the hospital. She was in Intensive Care for 2-1/2 weeks and hospitalized for another 2-1/2. While she was there, we had to take in her mail, water her plants, make sure the pool was at the correct level because it was summer and she had a slow leak, pay her bills - basically handle all of her affairs. Before her hospital release my siblings and I realized that she is going to need a nurse because she was so weak she couldn’t be left alone. All of us work, have children, pets and homes of our own to maintain. But we knew we couldn’t leave her alone. Trying to find a nurse at that time was impossible! Bear in mind that all four siblings are self employed - there is no family leave, vacation days or sick pay here. If we’re not on the job, the business doesn’t run, period! What did we do? As if by some miracle - we found out that my mother had a Benefit Plan that covered all of this. Because of that we were able to hire a Private Nurse and take turns cooking her healthy meals and spending time with her (after work). It was because of this incident and her policy that I literally got my license so that I could advocate for these products. Having the right protection plan in place for the unexpected can make all the difference. Topics to be discussed: Accident/Sickness/Disability/Critical Illness/Cancer and Life Insurance Policies. 

Registration required and open throughout the Fall 2025 session.  

Medicare is confusing!  What are parts A, B, C & D?  When do I have to enroll?  What will I pay?  What are Medicare Advantage Plans and Medicare Supplement Plans?  What about late enrollment penalties?  What kind of plans might work best for me?  Join Jason Myers, owner of JBM Health & Wealth Consulting, LLD who will help you understand how the Medicare program works and will provide a general overview of the variety of Medicare insurance products that are available to beneficiaries.  

New!  A practical two-session course designed to introduce you to the AI tools that are changing the way we live and work. What You’ll Learn • An introduction to the fundamentals of Artificial Intelligence. • Practical applications of AI tools in your personal and professional life. • How to use AI to improve efficiency and make everyday tasks easier. • Safety precautions when using AI. You will need to bring a laptop to participate.

Taught by Les Robinson, CLTC, CRPC Author of Protecting Your Money from Medicaid and Nursing Home Event Don’t let the cost of long-term care or healthcare threaten everything you’ve worked for. Join this powerful and eye-opening class to discover how to protect your home, retirement savings, and lifestyle from Medicaid recovery, nursing home expenses, and other financial risks associated with aging. In this class, you’ll learn how to: ✅ Shield your house from Medicaid and nursing home seizure Learn simple ways to protect yourself and money from Mediciad ✅ Properly structure your home for long-term care planning ✅ How to develop a Roadmap to avoid common pitfalls and stay on track ✅ Prevent financial hardship for your spouse ✅ Protect your legacy for your children and grandchildren ✅ Mitigate longevity risks that could derail your retirement ✅ Gain powerful longevity insights for a secure and enjoyable retirement ✅ Plan wisely for both the expected and unexpected events in life Empower yourself with proven strategies to take control of your financial future—before a crisis hits. This is a must-attend event for anyone approaching retirement, already retired, or caring for aging loved ones.

This seminar, designed specifically for Niagara Wheatfield School District employees, will help participants understand the key components of their 403(b)-retirement plan and how it fits alongside Social Security and pensions. Whether you're years away from retirement or approaching it, this seminar will provide the tools to make informed decisions about your retirement planning