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Mel Ratcliff
Site updated:  9.12.18

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R

is a library of educational and informative programs. Employing what they learn, women could increase their financial literacy to potentially better navigate the transitions of their unique financial journeys.

They include:

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Love, Marriage, and Money.... The Second Time Around
A five-person panel (Social Security Rep, Attorney, CPA, Licensed Mental Health Counselor, and Investment Advisor) would discuss the pertinent issues for you to consider regarding second marriages, and then open the floor to questions from the audience.

Long Term Care versus Long Term Scare
An objective look at long term care concerns and the various solutions available for you to help address them.

Divorce... All Assets Are Not 'Equal'
An overview of asset division and understanding the ramifications that all assets are not equal regarding cost basis, tax implications,* carrying costs, and more. * Raymond James does not provide any legal or tax advice.

Power of Attorney/Personal Representative/ Trustee School
Providing an insight into the functions, responsibilities, and obligations associated with these various roles you might be expected or asked to assume for the benefit of a loved one.

All Living Trusts Are Not Created Equal
Breaking down the Living Trust in understandable terms and 'everyday speak' with a focus from a woman's perspective.

Social Security Workshop
A Social Security Representative could help you
  1) understand your benefit
  2) strategies to help maximize your benefit
  3) when and how to claim your benefit.

Mastering your 401(k), 403(b), or 457 plan
Understanding the mechanics of your company's sponsored pension plan, the investment choices available, and making wise choices regarding your participation in your company's retirement plan. We would discuss possible rollover options.
Explore & Explain
We Demystify...
Mel's Board of Education
Want more info on upcoming programs?
Would your group like to host a program?
Meeting Your Retirement Goals
Planning, Projections, and Protections in the harnessing of retirement funds to help maintain your current quality of life for the rest of your life.

"Where's the yield??!!"
All my sister Clara had to worry about was "Where's the beef?"  as yields were much higher then than they are today. My sister might have 'found' the beef but these low interest rates of today leave me unable to 'buy' the beef. What's a person supposed to do? This program would Explore & Explain the various alternatives available for those who are looking for a better yield on income-producing assets.
Explore & Explain  programs are offered periodically through the Fielden Institute for Lifelong Learning at the campuses of Indian River State College.
Lifelong Learning