Event Calendar
Events for Tuesday, June 26, 2012
Investment Strategies After Retirement
10:30 AM - 12:00 PM
Steven Clark and his son Jonathan will address investment strategies for families/individuals after retirement. There are many different investments and alternatives for retirees to grow their nest eggs. This program is designed for individuals to feel more equipped to make educated decisions when choosing where to put their savings. Many retirees justifiably have been on the sidelines after the 2008 Financial Crisis. Steve and Jonathan will address a few alternative strategies that maybe more productive while protecting investors capital.
This class is a continuation of Clark Financial Services: The Summer of 2012 Series of Financial Empowerment Workshops. A series of entertaining 30-minute seminars designed to cover a wide range of topical subjects, aimed at creating a more informed and knowledgeable public. A box lunch/dinner will be available at each workshop. R.S.V.P. Required by calling 216-521-2201! Please plan to arrive 15 minutes early for registration. This workshop is intended for the general public, not other financial advisors. Nothing will be specifically sold or marketed at this event. Please note: there will be incidental references that we cover that are also offered at Clark Financial Services.
Investment Advisory Services offered through Brookstone Capital Management
LLC, an SEC Registered Investment Advisor
Location:
Lakewood Center North Conference Facility at 14600 Detroit Ave. Fourth Floor.
Please arrive 15 minutes early for registration.
10:30 AM - 12:00 PM
Steven Clark and his son Jonathan will address investment strategies for families/individuals after retirement. There are many different investments and alternatives for retirees to grow their nest eggs. This program is designed for individuals to feel more equipped to make educated decisions when choosing where to put their savings. Many retirees justifiably have been on the sidelines after the 2008 Financial Crisis. Steve and Jonathan will address a few alternative strategies that maybe more productive while protecting investors capital.
This class is a continuation of Clark Financial Services: The Summer of 2012 Series of Financial Empowerment Workshops. A series of entertaining 30-minute seminars designed to cover a wide range of topical subjects, aimed at creating a more informed and knowledgeable public. A box lunch/dinner will be available at each workshop. R.S.V.P. Required by calling 216-521-2201! Please plan to arrive 15 minutes early for registration. This workshop is intended for the general public, not other financial advisors. Nothing will be specifically sold or marketed at this event. Please note: there will be incidental references that we cover that are also offered at Clark Financial Services.
Investment Advisory Services offered through Brookstone Capital Management
LLC, an SEC Registered Investment Advisor
Location:
Lakewood Center North Conference Facility at 14600 Detroit Ave. Fourth Floor.
Please arrive 15 minutes early for registration.
Foreclosure Prevention Resource Fair
4:00 PM - 8:00 PM
June is National Homeownership Month. Yet the foreclosure crisis has made homeownership a fragile prospect for many families across northeast Ohio.
In April there were more than 2,000 homes in foreclosure in Cuyahoga County alone. That is why local housing counseling agencies want to remind homeowners that there is FREE help available to help them hold on to their American Dream.
Throughout the month of June struggling homeowners can get free advice and assistance from local HUD-approved, non-profit foreclosure prevention counselors at special foreclosure prevention outreach events.
Euclid
June 12, 4-8:00 p.m.
Euclid Library
631 East 222nd Street
Euclid, OH 44123
South Euclid
June 14, 4-8:00 p.m.
Community Center
1370 Victory Drive
South Euclid, OH 44121
Parma
June 19, 4-8:00 p.m.
Senior Center
6611 Ridge Road
Parma, OH 44129
Lakewood
June 21, 4-8:00 p.m.
University of Akron Lakewood
1415 Warren Road
Lakewood, OH 44107
Garfield Heights
June 26, 4-8:00 p.m.
Word of
Righteousness
Family Life Center
13455 Dressler Ave
Garfield Heights, OH 44125
Whether they’ve lost their job, suffered an illness, death of a spouse or some other form of financial difficulty there is often a way to keep borrowers in their home. At the events they can sit down and talk one-on-one with local counselors who are trained to help them find the right solution for their individual needs. Services offered will include:
Foreclosure prevention counseling
Homebuyer education
Financial counseling and education
Delinquent property tax solutions
In addition to housing counselors, representatives from the following lenders will be on hand to assist customers directly:
JPMorgan Chase
PNC Bank
First Federal of Lakewood
Fifth Third Bank
Wells Fargo
Bank of America
No appointment is necessary and all counseling services are absolutely free.
In order to get the most out of their visit to the foreclosure prevention events homeowners are recommended to review the attached document checklist and bring materials to help counselors and lenders determine for which programs they qualify. Documents include proof of income, expenses, taxes and insurance, mortgage and bank statements.
For more information about the foreclosure prevention events, the services available and local housing counseling agencies homeowners can contact any of the agencies listed below or call United Way 2-1-1 First Call for Help.
###
Neighborhood Housing Services of Greater Cleveland
216-458.HOME (4663)
Cleveland Housing Network
216-881-8443
Community Housing Solutions
216-921-9100
Empowering and Strengthening Ohio’s People
216-361-0718
Home Repair Resource Center
216-381-6100
Homeowner Document Checklist
We cannot accept original documents. We cannot make copies for you. You must provided single sided, unstapled copies of each document listed.
Income
Paystubs showing year to date earnings for all jobs for the last eight (8) weeks for all wage earners living in the home
Unemployment insurance benefits
Determination of Unemployment Compensation Benefits document from ODJFS (initial award letter) with benefit year beginning and ending dates
Last 8 weeks of Unemployment Benefit Payment statements and/or payment summary from ODJFS
Most current Social Security and/or pension award letters
Most current food stamp verification
Alimony/child support payment verification
Self-employed and/or landlords
Profit/loss statement for past 6 months—signed and dated
Signed lease agreement
Federal income taxes
Filed federal 1040s (signed) and all schedules from most recent 2 years
W-2s and 1099s for past 2 years
Property tax and homeowner insurance
County property tax bill or tax bill summary from county auditor’s website for current year
Declarations page of your current homeowners insurance policy
Mortgage
Most recent monthly statement from your mortgage company
If you are in foreclosure please request a Reinstatement Letter (states past due balance) from lender or lender’s attorney
Mortgage (filed with your county recorder)—this is the document that secures your house as collateral that was signed when you closed on your loan. At a minimum, we need the following 3 pages: first, signature, and that which contains the legal description of the property
Bank Statements
All pages (even if blank) of last 2 months checking and savings account statements. Statements must include name, address, account number, account type, statement period date, and deposit transactions
If you do not have a checking account you must provide a signed statement indicating this
Self-employed and/or landlords - Most recent 6 months business and personal checking and savings—all pages (even if blank)
Utility Bill
Current gas or electric bill (all pages)
Hardship
Hardship Letter—a brief, signed, dated, and detailed account of what event(s) occurred that has resulted in your inability to maintain your current mortgage payment
Documents verifying event(s) which created hardship e.g., medical bills, divorce decree, disability determination, etc.
Bankruptcy
Reaffirmation Agreement--If you filed a Chapter 7 Bankruptcy and reaffirmed your current home loan
Notice of discharge of Chapter 7 and/or 13 bankruptcy filings which were filed after loan was closed
Restoring Stability application
Complete and print the PDF generated by the website. Spouse’s information must be included and they must sign all documents, even if he/she is not a co-borrower. Go to www.restoringstability.org for information and to begin.
Loan origination documents—if available
HUD-1 Settlement Statement
Truth-in-Lending Disclosure
Good Faith Estimate
Location:
Lakewood University of Akron Lakewood
1415 Warren Road
Lakewood, OH 44107
Click here for more information
4:00 PM - 8:00 PM
June is National Homeownership Month. Yet the foreclosure crisis has made homeownership a fragile prospect for many families across northeast Ohio.
In April there were more than 2,000 homes in foreclosure in Cuyahoga County alone. That is why local housing counseling agencies want to remind homeowners that there is FREE help available to help them hold on to their American Dream.
Throughout the month of June struggling homeowners can get free advice and assistance from local HUD-approved, non-profit foreclosure prevention counselors at special foreclosure prevention outreach events.
Euclid
June 12, 4-8:00 p.m.
Euclid Library
631 East 222nd Street
Euclid, OH 44123
South Euclid
June 14, 4-8:00 p.m.
Community Center
1370 Victory Drive
South Euclid, OH 44121
Parma
June 19, 4-8:00 p.m.
Senior Center
6611 Ridge Road
Parma, OH 44129
Lakewood
June 21, 4-8:00 p.m.
University of Akron Lakewood
1415 Warren Road
Lakewood, OH 44107
Garfield Heights
June 26, 4-8:00 p.m.
Word of
Righteousness
Family Life Center
13455 Dressler Ave
Garfield Heights, OH 44125
Whether they’ve lost their job, suffered an illness, death of a spouse or some other form of financial difficulty there is often a way to keep borrowers in their home. At the events they can sit down and talk one-on-one with local counselors who are trained to help them find the right solution for their individual needs. Services offered will include:
Foreclosure prevention counseling
Homebuyer education
Financial counseling and education
Delinquent property tax solutions
In addition to housing counselors, representatives from the following lenders will be on hand to assist customers directly:
JPMorgan Chase
PNC Bank
First Federal of Lakewood
Fifth Third Bank
Wells Fargo
Bank of America
No appointment is necessary and all counseling services are absolutely free.
In order to get the most out of their visit to the foreclosure prevention events homeowners are recommended to review the attached document checklist and bring materials to help counselors and lenders determine for which programs they qualify. Documents include proof of income, expenses, taxes and insurance, mortgage and bank statements.
For more information about the foreclosure prevention events, the services available and local housing counseling agencies homeowners can contact any of the agencies listed below or call United Way 2-1-1 First Call for Help.
###
Neighborhood Housing Services of Greater Cleveland
216-458.HOME (4663)
Cleveland Housing Network
216-881-8443
Community Housing Solutions
216-921-9100
Empowering and Strengthening Ohio’s People
216-361-0718
Home Repair Resource Center
216-381-6100
Homeowner Document Checklist
We cannot accept original documents. We cannot make copies for you. You must provided single sided, unstapled copies of each document listed.
Income
Paystubs showing year to date earnings for all jobs for the last eight (8) weeks for all wage earners living in the home
Unemployment insurance benefits
Determination of Unemployment Compensation Benefits document from ODJFS (initial award letter) with benefit year beginning and ending dates
Last 8 weeks of Unemployment Benefit Payment statements and/or payment summary from ODJFS
Most current Social Security and/or pension award letters
Most current food stamp verification
Alimony/child support payment verification
Self-employed and/or landlords
Profit/loss statement for past 6 months—signed and dated
Signed lease agreement
Federal income taxes
Filed federal 1040s (signed) and all schedules from most recent 2 years
W-2s and 1099s for past 2 years
Property tax and homeowner insurance
County property tax bill or tax bill summary from county auditor’s website for current year
Declarations page of your current homeowners insurance policy
Mortgage
Most recent monthly statement from your mortgage company
If you are in foreclosure please request a Reinstatement Letter (states past due balance) from lender or lender’s attorney
Mortgage (filed with your county recorder)—this is the document that secures your house as collateral that was signed when you closed on your loan. At a minimum, we need the following 3 pages: first, signature, and that which contains the legal description of the property
Bank Statements
All pages (even if blank) of last 2 months checking and savings account statements. Statements must include name, address, account number, account type, statement period date, and deposit transactions
If you do not have a checking account you must provide a signed statement indicating this
Self-employed and/or landlords - Most recent 6 months business and personal checking and savings—all pages (even if blank)
Utility Bill
Current gas or electric bill (all pages)
Hardship
Hardship Letter—a brief, signed, dated, and detailed account of what event(s) occurred that has resulted in your inability to maintain your current mortgage payment
Documents verifying event(s) which created hardship e.g., medical bills, divorce decree, disability determination, etc.
Bankruptcy
Reaffirmation Agreement--If you filed a Chapter 7 Bankruptcy and reaffirmed your current home loan
Notice of discharge of Chapter 7 and/or 13 bankruptcy filings which were filed after loan was closed
Restoring Stability application
Complete and print the PDF generated by the website. Spouse’s information must be included and they must sign all documents, even if he/she is not a co-borrower. Go to www.restoringstability.org for information and to begin.
Loan origination documents—if available
HUD-1 Settlement Statement
Truth-in-Lending Disclosure
Good Faith Estimate
Location:
Lakewood University of Akron Lakewood
1415 Warren Road
Lakewood, OH 44107
Click here for more information
56 West Benefits Relay For Life
4:00 PM - 9:00 PM
On Tuesday & Wednesday evenings during the month of June, 56 West will generously contribute 15% of the check of any diner who tells their server they want their meal to benefit Relay For Life.
Location:
16300 Detroit Avenue
Lakewood
Click here for more information
4:00 PM - 9:00 PM
On Tuesday & Wednesday evenings during the month of June, 56 West will generously contribute 15% of the check of any diner who tells their server they want their meal to benefit Relay For Life.
Location:
16300 Detroit Avenue
Lakewood
Click here for more information
Social Security: Choosing when to apply for benefits
6:00 PM - 7:00 PM
Steven Clark and his son Jonathan will address key factors that could help individuals when choosing when to apply for their Social Security benefits. They will touch on the effects of choosing the reduced benefit at age 62 and the pros and cons of waiting until age 70. Attendees’ will leave understanding that there is a different “best time” to apply for each enrollee.
This class is a continuation of Clark Financial Services: The Summer of 2012 Series of Financial Empowerment Workshops. A series of entertaining 30-minute seminars designed to cover a wide range of topical subjects, aimed at creating a more informed and knowledgeable public. A box lunch/dinner will be available at each workshop. R.S.V.P. Required by calling 216-521-2201! Please plan to arrive 15 minutes early for registration. This workshop is intended for the general public, not other financial advisors. Nothing will be sold or marketed at this event.
Investment Advisory Services offered through Brookstone Capital Management
LLC, an SEC Registered Investment Advisor
Location:
Lakewood Center North Conference Facility at 14600 Detroit Ave. Fourth Floor.
Please arrive 15 minutes early for registration.
6:00 PM - 7:00 PM
Steven Clark and his son Jonathan will address key factors that could help individuals when choosing when to apply for their Social Security benefits. They will touch on the effects of choosing the reduced benefit at age 62 and the pros and cons of waiting until age 70. Attendees’ will leave understanding that there is a different “best time” to apply for each enrollee.
This class is a continuation of Clark Financial Services: The Summer of 2012 Series of Financial Empowerment Workshops. A series of entertaining 30-minute seminars designed to cover a wide range of topical subjects, aimed at creating a more informed and knowledgeable public. A box lunch/dinner will be available at each workshop. R.S.V.P. Required by calling 216-521-2201! Please plan to arrive 15 minutes early for registration. This workshop is intended for the general public, not other financial advisors. Nothing will be sold or marketed at this event.
Investment Advisory Services offered through Brookstone Capital Management
LLC, an SEC Registered Investment Advisor
Location:
Lakewood Center North Conference Facility at 14600 Detroit Ave. Fourth Floor.
Please arrive 15 minutes early for registration.