Our guest speaker will discuss key topics important to your financial future.

Sonja V. Hayes, J.D.*, LL. M., M.B.A., CLU, is the director of Advanced Planning Group at Prudential. She has more than 20 years of experience in the financial services industry. A frequently requested guest speaker and author of numerous industry publications, Hayes will discuss:

•  Investing Now & In Retirement
•  The Four Pillars of Retirement 
     1.  Healthcare costs, including long-term care and Medicare
     2.  Social Security benefits
     3.  Spousal protection and distributions
     4.  Estate planning