Financial Wellness: Building Wealth For All Ages

This is a FREE public event held at Cecil College Elkton Station and sponsored by APGFCU! Join us for Financial Wellness: Building Wealth for All Ages, an event designed to empower individuals and families with the knowledge to secure their financial future. Engage with expert speakers on essential topics like Estate and Legacy Planning, 5 Ways to Plan Retirement, Protecting Your Identity in a High-Tech World, The Basics of Investing, Debt Reduction Strategies, and Life Transitions - Strategies for Success. Lunch is included and catered by Caffe Gelato! Prizes will also be given out at the end of the day by APGFCU! Join us for this fantastic event on September 13, 2025! Location: Cecil College Elkton Station 107 Railroad Avenue Elkton, MD 21901, Time: 9 a.m. - 1:30 p.m. For questions contact [email protected] or call 443-907-1378.

Agenda

Doors open at 8:30 a.m.

Visit Resource Vendors 8:30 a.m. - 9 a.m.

Session 1 Presentations, 9:15 a.m. - 10 a.m.

5 Ways to Plan Retirement

Presenter: Sherri Over, NACFF

Retirement should be a time of freedom - not uncertainty. Join us for an insightful session designed to give you the clarity, confidence, and tools to create a retirement plan that works for you. In this engaging and informative presentation, we'll explore how to make your money last through retirement without sacrificing your lifestyle, smart ways to structure your retirement accounts for maximum monthly cash flow, how to avoid the most common and costly income mistakes retirees make, when and how to claim Social Security to get the most out of your benefits, what recent tax law changes mean for your retirement income and how to prepare, and what to do if you outlive your savings and how to ensure your income doesn't. Whether you're nearing retirement or just starting to plan, this session will give you the knowledge you need to move forward with confidence. Take the next step toward a more secure financial future.

Debt Reduction Strategies

Presenter: Digna (Dee) Barretto, FCMT. CCUFC, CFHC

Are you feeling overwhelmed by debt or simply looking for ways to pay debt down faster? This practical and empowering financial wellness session will guide you through proven strategies to reduce and manage debt effectively. Learn how to prioritize payments, explore consolidation options and build a realistic budget that supports long-term financial health. Whether you're dealing with credit cards, loans, or medical bills, this session will help you take control of your finances and move toward a debt-free future with confidence.

Estate and Legacy Planning

Presenter: Adrian Albidress, MBA, CFP

Have you ever noticed that friends and relatives who have their financial affairs in order live less stressful lives? This session is designed to provide the fundamental concepts and skills needed for effective estate and financial planning. Learn how to maximize retirement income, lower investment risk, and minimize tax burden. This session will cover leaving retirement assets to heirs, reading investment statements and understanding bond and equity funds. Topics include reliable planning tools, wills, trusts, estates, Power of Attorney, and the latest developments in tax and trust laws.

Life Transitions - Strategies for Success

Presenter: Vicki Semanie

A life transition is a major change in any area of our lives. In this session, we discuss life transitions, the impact they have, and how to overcome them.

Protecting Your Identity in a High-Tech World

Presenter: TBA

In today's digital age, staying safe online is more important than ever - especially with the increasingly sophisticated scams and identity theft tactics. This engaging and easy-to-follow session will empower you with practical tools and knowledge to protect your personal information. Learn how to recognize common scams, create strong passwords, safely use social media and email, and understand the importance of privacy settings. Whether you're tech-savvy or just getting started, this session will help you feel more confident navigating the digital world securely.

The Basics of Investing

Presenter: Steven Dengler, CFP

Whether you're just beginning your financial journey or looking to strengthen your understanding, The Basics of Investing offers a clear, engaging introduction to how investing works and why it matters. In this seminar, we’ll explore the essentials—stocks, bonds, mutual funds, ETFs, asset allocation, diversification, and the power of compound interest. You’ll also gain insights into risk tolerance, investment time horizons, and how to align your investments with your personal goals. This presentation aims to equip you with the knowledge and tools to make informed decisions and feel more confident about your financial future. Expect real-world examples, timeless principles, and practical tips you can put into action. This presentation is perfect for new investors, lifelong learners, and anyone ready to take their first step toward understanding the markets and building long-term financial confidence.

Session 2 Presentations, 10:15 a.m. - 11 a.m. Presentations repeated

Visit Resource Vendors 11a.m. - 11:30 a.m.

Lunch served from 11:30 a.m. - 12:30 p.m.

Session 3 Presentations, 12:30 p.m. - 1:15 p.m. Presentations repeated

Closing /Giveaways 1:15 p.m. - 2 p.m.

Event Venue & Nearby Stays

Cecil College - Elkton Station, 107 Railroad Ave, Elkton, United States