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Register now! Call 303-399-0093 or online:
NEW! Money Moxie
How to Create Your Successful
Money Plan
Money is one of our greatest sources of
stress. If you want to feel safe and confident
about the money you work hard to earn, this
class will give you practical tools. Learn how
to manage and grow your money by creating
a meaningful and successful money plan.
Start by examining your money habits, then
develop a system for tracking and managing
expenses that includes planning for the
unexpected and saving for fun experiences.
A money plan is not just budgets and
savings; it is about opening your eyes to the
possibilities and opportunities that exist
when you align your money with what is
important to you.
Lisa Sveland
, owner of
Money Moxey takes you through a step-by-
step process to create a plan that you can
live with. Lisa has a BS and Master’s in
finance and is a certified financial education
instructor. Join her for this fun, interactive
workshop and get on the path to financial
success.
$41 Non-Member
$29 Member
CFU LOWRY
: Near 1st & Quebec
3534A: One Mon., 6:30-8:30PM 4/4
3534B: One Sat., 10AM-12PM 5/14
3534C: One Mon., 6:30-8:30PM 6/6
Life After Work
How to Create a Sustainable
Retirement Income Stream
Gain a better understanding of the
many different ways you might fund your
retirement from your investments and
how to integrate it with Social Security
benefits and/or a pension plan. Class goes
in to detail on the four main strategies
of retirement planning: living off
interest
(of savings); planning for mandatory vs.
discretionary spending; using the 4% rule;
and the Bucket Method. Unlike some other
retirement planning classes, the instructor
integrates all four strategies with social
security and pensions. Taught by
Lee
Claymore
, a Certified Financial Planner with
more than 25 years in the business. Lee
also teaches two extremely well-received
classes on Social Security and Medicare
planning at CFU.
Branch office: Cirrus Financial Group, 6855 S. Havana St. #270,
Centennial, CO 80112, (ph) 303-706-1033, Securities and Advisory
Services offered through Cetera Advisors, LLC. Member SIPC/FINRA.
Cetera is under separate ownership from any other entity.
$36 Non-Member
$24 Member
CFU LOWRY
: Near 1st & Quebec
6606F: One Wed., 6:30-8:30PM 3/16
6606G: One Wed., 6:30-8:30PM 4/20
6606I: One Wed., 6:30-8:30PM 6/22
NEW! The Keys to Good
Credit
Take Control of Your Credit
Your credit score impacts your
employability, purchasing power, and future
security. Many people drag low credit scores
around like badges of shame that they’re
powerless to shed. This practical and
information-packed seminar will help you let
go of shame and take control. Learn what
credit scores are, their value, how they are
used, and how they impact your financial
life. Find out how credit is created and how
you can improve, as well as damage, your
credit. Discuss how identity theft affects
credit. Participants are encouraged to
bring their own credit score printed out
from Experian, Credit Karma, or other site/
source. However, sample credit scores will
be provided for discussion.
Carla Vaughn
is a licensed tax and business consultant.
She has done graduate work in business
administration and finance.
$51 Non-Member
$39 Member
$22 optional materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
3529A: One Thu., 6-9PM 4/28
3529B: One Sat., 1-4PM 6/4
NEW! Live Debt Free!
A Practical Guide to Reducing
Your Debt
It’s difficult to move toward financial well-
being if you’re dragging debt along. This
class will give you the essential information
to begin chipping your debt away. Find
out what debt is and where it comes from.
Understand the difference between bad and
good debt. Learn about debt to income ratio
and how it can impact future purchases
such as cars and houses. Explore myths
about debt and why you need to change
your attitudes toward debt. Budgets are
key, and you’ll learn how to create one.
Budget sheets will be provided in class, but
if you have your own budget, bring it along.
You will leave class with a realistic plan to
reduce or eliminate your debt.
Carla Vaughn
is a licensed tax and financial consultant
whose mission is to help people become
financially literate and to empower them to
take control of their financial lives. Optional
materials fee is for the helpful resource,
Dave Ramsey’s book
The Total Money Make
Over Workbook
.
$51 Non-Member
$39 Member
$22 optional materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
3530C: One Sat., 1-4PM 4/2
3530E: One Sat., 1-4PM 6/11
GREENWOOD VILLAGE
: I-25 & Belleview
3530D: One Tue., 6-9PM 5/10
Women & Wealth
It’s Different for Women
Women often
earn less than
men, participate
in the work
force less time
than men, and
statistically
live longer than
men. Women
are often alone
in retirement;
some never marry, are divorced, or are
widowed early on (the average age for a
widow is 56). Since women live longer in
retirement, with less in savings, and more
often alone, it’s no wonder many secretly
fear becoming a “bag lady!” If you’re a
woman age 40 or more and are concerned
about your financial future, this is the class
for you! Topics will include Social Security,
IRAs, ROTHs, 401Ks, Wills, Living Trusts,
and more. You’ll learn about important
financial considerations you need to know to
help create a secure financial future.
Linda
Gardner
has been helping women gain
financial understanding and independence
for decades and is known for her ability
to help people easily understand complex
financial concepts. Class is free, but you
must call to register to attend.
FREE! Non-Member
FREE! Member
ENGLEWOOD
: I-25 & County Line Road
4320S9: One Sat., 9AM-12PM 3/19
4320T: One Sat., 9AM-12PM 5/21
Evaluating Mutual Funds
and ETFs
Congratulations! You have a deferred
retirement account! Now you need to select
which are the best choices of mutual funds
or ETF’s to put your money into. This class
is for you. This class will help you make
informed choices about fund selections,
based on your objectives and risk tolerance.
We will look at how to screen for funds, what
criteria to enter into a screener, and how to
evaluate the results. Using Morningstar data
sheets, we will look at metrics on individual
funds, and how to get the most from the
information provided. We will look at the
importance of diversification in selecting
different funds, and examples of diversified
portfolios will be given for various risk
levels. Class is taught by
Ralph Futch
, a long
time member and instructor with the Rocky
Mountain Chapter of Better Investing.
$41 Non-Member
$29 Member
$10 materials fee payable in class
CFU LOWRY
: Near 1st & Quebec
6634BR9: One Wed., 6:30-9:30PM 3/30
Money Management
Free Class!
