Cloquet Community Education

Learn how to protect your family home & nest egg Discover How to Protect Your Assets and Provide for Your Loved Ones Are you ready to begin making decisions that will protect your independence and ability to stay in control if you get sick or need long-term care in the future? Join Yvonne Michaud Novak for a training event! Learn how to use simple legal strategies to help make your wishes known, keep peace in the family, and ensure that life is as easy as possible for your loved ones, no matter what happens. Who Should Attend? If you don’t currently have a plan in place to protect your family and assets… or if it’s been at least three years since you’ve last looked at your old estate plan. At this class you’ll learn: The advantages and disadvantages of both wills and trusts. How the new SECURE Act has impacted inherited IRAs and the best strategies to minimize taxes to your heirs. How to keep your affairs private and your loved ones out of court if you become disabled and can’t speak for yourself. (Hint: Not all Powers of Attorney are valid!) All about probate and what steps can you take now to help your family avoid this expensive and time-consuming legal process. If you will you owe estate taxes and how to help your heirs minimize or even avoid “death” taxes after your passing. Easy strategies to protect your children’s inheritance from being seized if they get divorced, sued or file bankruptcy in the future. How to preserve your estate for your children should you pass away and your surviving spouse gets remarried (without a plan, your family’s inheritance will legally go to the new husband or wife!). How parents (and grandparents!) of children with special needs can plan for a lifetime of care without jeopardizing eligibility for important benefits like Medicaid or Supplemental Security Income (SSI).

Bring your dog (6 months and older) to learn basic commands: come, sit, lay down, and stay. Learn how to walk your dog comfortably on a leash (no flexy leash/leads), and how to pay attention to you instead of other dogs or distractions. Participants must be adult or at least 12 years old (and anyone under 15 must have a parent present) . Orientation is first night of class 6-7pm NO DOGS FIRST NIGHT. Must have proof of current rabies vaccination and certificate must be brought to class the first night. All participants must sign a liability waiver. CDC guidelines will be followed, including distancing and maximum number of participants. Instructor Jennifer Jablonski is a trainer at Twin Ports Dog Training Club.