November 21st, 2025

Medicare Annual Enrollment Period (AEP) – Tammy will be available at our Duluth Branch
To schedule an appointment with Tammy send an email to MarketingDept@nccyou.com or tkausch@trulync.com.

November 18, 2025 – 11:30 – 12:30 PM

NCCYou Planning For a Happy Retirement:
If you are nearing retirement this is the workshop for you. Everyone knows that saving for retirement is important, but there are other factors to consider the closer you get.

In this workshop you will:
• Learn about the four phases of retirement.
• Consider lifestyle scenarios that affect your costs.
• Make a plan to eliminate debt that may drain your funds more quickly.
• Talk about how to spend your long-saved funds in proven ways that lead to happiness.