Social Security and Income Planning

November 16th Saturday, 1pm - 2:30pm

At the Lakewood Library 10200 W 20th Ave, Lakewood, CO 80215

  • 2019 Social Security changes and updates

  • How maximize benefits and minimize taxes

  • When to delay your benefit and when to not

  • What's changed with spousal filing options

  • How to maximize ex, current and deceased spousal benefits

  • How wrong decisions can cost you money

  • What questions you should ask at the Social Security Office

  • How working affects your benefit

  • Understanding today's retirement income sources: pros and cons

  • How your other assets work together with Social Security Benefits

  • Q and A opportunity with Social Security expert

All About Wills and Trusts

Friday, January 31st from 2pm - 3pm

At the 1st Bank in Belmar 550 S Wadsworth Blvd Lakewood, CO 80226

Estate Planning Attorney Tim Parks will guest lecture on the basic yet important elements of a comprehensive estate plan.  He will discuss the basics on wills and trusts such as: who needs them, when should you get them, what are the options and types, and how to get them.  He will also touch on how wills and trusts integrate with a comprehensive financial plan.

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Upcoming Classes   EDUCATION ONLY 

Complimentary Financial Education Classes by CFP Jo-Ann Holst


"Many households are unfamiliar with even the most basic economic concepts needed to make sensible saving and investment decisions.


This has serious implications for saving, retirement planning, retirement, mortgage, and other financial decisions"

Dartmouth College Study

These unique classes are taught by Certified Financial Planner™ and Best Selling Author, Jo-Ann Holst.

Jo-Ann Has been teaching Social Security classes (and other retirement classes) for over eight years. Get an independent perspective, and essential tips for financial planning in today's economy. Classes are updated constantly to reflect the most up-to-date laws and strategies availible. Individuals and couples who want to be in control and have financial freedom during retirement are encouraged to attend. Nothing will be sold. Planning and note-taking materials will be provided. Class sizes are limited, so save your seat by registering now!


Jo-Ann Holst Advisers Inc. is not associated with the Social Security Administration.  For specific questions regarding your retirement benefit, please visit or call 1-800-772-1213.


Lakewood address: 550 S. Wadsworth Blvd - Suite 401 Lakewood, CO 80226     

Lone Tree Address: 10375 Park Meadows Drive – Suite 480 Lone Tree, CO 80124

​© 2019 by Jo-Ann Holst Advisers Inc.

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Complimentary consultation available only to qualified candidates possessing a specified minimum of investible assets. Investment Adviser Representative of and investment advisory services offered through Royal Fund Management, LLC a SEC Registered Adviser. Not all investments will be suitable or profitable for a specific client's portfolio. Insurance products may be recommended.  Financial advisers serving the Greater Denver area.