8.30 am

   8.45 am

Coffee on Arrival

WELCOME AND INTRODUCTIONS

   9.00 am

ADJUSTING TO  A RETIREMENT LIFESTYLE & OPPORTUNITIES

a) New Goals and Routines

b) Personal & Family Relationships

c) Managing the Time                     

d) Paid or Voluntary Work

 10.00 am

STATE RETIREMENT PENSIONS

a) State Pension Eligibility                

b) National Ins if Retiring Early

c) Married Womans Stamp              

d) To Defer Pension or Not?

e) Effects of Divorce & Widowhood on State Pension

 11.00 am

Tea/Coffee

 11.15 am

STATE BENEFITS

a) Winter Fuel Payment                 

b) Pension Credit

c) Bereavement Benefits               

d) Attendance Allowance

 12.30 pm   

   1.00 pm

Lunch

MONEY MANAGEMENT (Part One)

a) The Importance of Budgeting    

b) Salary v Pension – How will it Compare

c) Taxation in Retirement               

d) Pension Options since Simplification

   2.00 pm

Tea/Coffee

   2.15 pm

   3.15 pm

MONEY MANAGEMENT (Part Two)

a) Raising Money on Property        

b) Investing for Income or Growth

c) Risk v Reward                           

d) How to Obtain Financial Advice and at What Cost?

Comfort Break

   3.30 pm

4.30 pm

LEGAL ASPECTS

a) Intestacy – Who will inherit?                         

b) Wills & Trusts

c) Powers of Attorney – especially if single       

d) Protecting Children or Grandchildren

HEALTH ISSUES

a) The Pros & Cons of Exercise                        

b) Health Checks

c) Blood Pressure & Cholesterol                       

d) Small Changes = Big Benefits

e) We are What We Eat

   5.15 pm

Summary – Issue of Packs

   5.30 pm

Disperse