Select Enrollment

FREE Educational Seminars

Time

All seminars are presented 
from 10:00 a.m. to 11:30 a.m.

RSVP to:

Francine Wargo
941-624-1944 or
fwargo@csbtfl.com

Location

Murdock
1100 Tamiami Trail
Port Charlotte, FL 33953

Punta Gorda
2331 Tamiami Trail
Punta Gorda, FL 33950

Presenters:  

Christine A. Hause
Vice President
(941) 624-1917
chause@csbtfl.com

Samuel A. Kiburz
Portfolio Manager
(941) 235-5164
skiburz@csbtfl.com

Are you Prepared for Family Controlling your Finances?

Many people name a family member in their will to serve as executor, Power of Attorney or administrator of their trust while sitting comfortably in their attorney’s office. The reality of a relative accessing your bank accounts, IRA assets, investment accounts, insurance policies and safe deposit boxes may become disconcerting. Learn the pros and cons of family or friends serving in these important fiduciary roles, including costs and liabilities.

Presented by Christine A. Hause

  • January 17, 2017, Murdock
  • January 24, 2017, Punta Gorda

Are you Prepared for Changes in Your Living and Care Expenses?

Consider what changes you may have to make to your assets if you need in-home health care, assisted living or nursing home care. What costs would you incur? Is there sufficient liquidity in your portfolio to cover them? What if the markets are down? How would that affect your options? We will explore how to select the best non-annuity investments to help alleviate a potential loss of capital.

Presented by Samuel A. Kiburz

  • January 18, 2017, Murdock
  • January 25, 2017, Punta Gorda

Are you Prepared for Changes in your Health?

If you or a loved one receives a serious medical diagnosis, learn how to ensure your documents are in order and your assets are titled properly so your estate plan wishes will be carried out.

Presented by Christine A. Hause

  • January 19, 2017, Murdock
  • January 26, 2017, Punta Gorda

Are you Prepared to Handle Finances Alone?

Can a survivor access assets and manage your financial affairs? Are they comfortable making investment decisions? Is there enough income and credit for the survivor to maintain their same lifestyle? Join us as we share our expertise with surviving spouses to answer those questions.

Presented by Christine A. Hause

  • February 7, 2017, Punta Gorda
  • February 14, 2017, Murdock
  • February 21, 2017, Punta Gorda

Are you Prepared for Stock Market Fluctuations?

Learn to analyze your investments to understand how they will react to changes in the market. Find ways through active selection to invest in higher-quality and lower-duration non-annuity assets to stabilize your portfolio during turbulent times.

Presented by Samuel A. Kiburz

  • February 8, 2017, Punta Gorda
  • February 15, 2017, Murdock
  • February 22, 2017, Punta Gorda

Are you Prepared with Asset Protection?

We will explore whether to title your assets in the name of your trust or in another way to protect them from creditors and liabilities. We will discuss umbrella policies and what assets should be covered.

Presented by Christine A. Hause

  • February 9, 2017, Punta Gorda
  • February 16, 2017, Murdock
  • February 23, 2017, Punta Gorda

Are you Prepared for Disability or Incapacitation?

Is your Power of Attorney valid in Florida? Does it name people you trust with your financial affairs? Is your health care surrogate form up to date with changes in the law? These and other issues will be addressed to ensure that your care and affairs will be handled according to your wishes.

Presented by Christine A. Hause

  • March 7, 2017, Punta Gorda
  • March 14, 2017, Murdock

Are you Prepared to Learn the True Costs of your Investments?

Discover how much of your possible gains may be paid in fees, internal costs, commissions, tax and cash drag and other expenses. Uncover the total costs of your portfolio to determine if they take too much of your potential returns, as we have found many times. Learn the real returns of stocks and bonds to have a fair comparison to other investment options.

Presented by Samuel A. Kiburz

  • March 8, 2017, Punta Gorda
  • March 15, 2017, Murdock

Are you Prepared to Avoid Probate?

Have you carefully reviewed all of your asset titles and beneficiary designations with a trust officer or attorney? We will discuss how best to assign titles and beneficiaries to match your estate plan goals and documents, and if necessary, the probate process. This will save your heirs time and money.

Presented by Christine A. Hause

  • March 9, 2017, Punta Gorda
  • March 16, 2017, Murdock

RSVP

These seminars are free; however, reservations are required.
To make your reservation, please contact Francine Wargo at 941-624-1944 or fwargo@csbtfl.com.

Investments are not a deposit, not FDIC insured by any federal government agency, not bank guaranteed and may lose value.