Held at Iowa Lakes Community College | Spencer, IA | August 2021

Feel More Confident & In Control With


Seats Available Now!
Registration Closes In:


Seating is limited. Register today!


For baby boomers, there’s been a shift in retirement income planning when compared to previous generations. This is a comprehensive personal finance workshop for those in the early stages of retirement or those about to retire. It addresses difficult retirement decisions such as income planning, Social Security maximization and the risks to avoid. You’ll learn how to incorporate health care, inflation and their considerations into your overall plan. Upon completion, you may be better prepared to take the necessary steps to create your own retirement income strategy.


Held At
Iowa Lakes Community College – Spencer Campus
1900 Grand Ave, Spencer, IA 51301

*Located in Gateway North Shopping Center


This workshop meets once a week for two consecutive weeks.

Tuesdays – August 3rd and August 10th from 6:30 PM – 8:30 PM
Thursdays – August 5th and August 12th from 6:30 PM – 8:30 PM

Tuition: $39 $19*

Includes all workshop materials and fees.
*Registration fee discounted for those who sign up in advance. 

About Your Presenter

Kirt Carstens, CLU®, ChFC®

Founder & President of Carstens Financial Group

Kirt Carstens focuses on providing comprehensive asset management, estate planning and life insurance strategies for business owners, retirees, pre-retirees and individuals in the Iowa Great Lakes Region. His personal commitment to the community includes volunteering his time and services as a speaker and seminar presenter on how financial products can be used to help meet the wealth accumulation and estate conservation needs of area residents.

He is also an active participant in area youth sports leagues as a coach and mentor. Kirt is a life-long resident of the Iowa Great Lakes region and has worked on various boards throughout the community assisting with policy making, fundraising and personal decisions. He graduated from Iowa State University with a degree in English. He and his wife, Jacque, along with their children Kole and Carly, call Arnolds Park home.

About Retire For L.I.F.E.

The goal of this workshop is to take the complexity out of retirement income planning and to help provide strategies for a confident retirement. Our mission is to empower Baby Boomers to prepare for a stable and predictable retirement income.

Who Should Attend?

  • People between the ages of 50 and 70
  • Those concerned with their finances and wanting to prepare for market volatility
  • Investors looking for guidance based on recent Social Security changes and proposed tax laws

What You'll Learn

  • Options on when to take Social Security
  • How to define your core priorities
  • How to develop reliable retirement income
  • Common reasons retirees run out of money

Why Now?

  • There’s no better time to create strategies in which you can be confident
  • Global market volatility necessitates action
  • The basic financial rules of thumb have changed for a retiring generation

Your Registration Includes

  • Two workshop sessions
  • In-session workbook to follow
  • A retirement income planning publication
  • A maximizing your Social Security guide

Enroll Now

Select your dates and register below for our upcoming Baby Boomer Retirement Workshop at Iowa Lakes Community College – Spencer Campus in Spencer, IA.

Tuition: $39 $19*
Includes all materials and fees
*Registration fee discounted for those who sign up in advance.

This workshop meets once a week for two consecutive weeks. Couples may attend for a single tuition cost.

Privacy Policy: All information provided is secure and confidential. Please provide valid email and phone number for workshop confirmation purposes.

© 2021 Retire For L.I.F.E. – All Rights Reserved

Securities and Advisory Services offered through Client One Securities, LLC Member FINRA/SIPC and an Investment Advisor. Carstens Financial Group and Client One Securities, LLC are not affiliated.

Carstens Financial Group
605 Hwy 71 S
Arnolds Park, IA 51331

Licensed Insurance Professional. The presentation is not intended to be legal or tax advice. The presenter can provide information, but not advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please direct your clients to a local Social Security Administration office, or visit www.ssa.gov. Respond and learn how annuities and life insurance can be used in various stages of planning for retirement income. This material has been prepared for informational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.