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Financial Strategies for Successful Retirement
This three-session course is designed for retirees or those planning to retire within the next 5 to 10 years. You will learn strategies to generate steady income, protect assets, reduce taxes, and secure a comfortable retirement for you and your spouse. The seminar covers making the best use of your employer’s retirement plan, evaluating lump-sum distribution options, and reducing estate taxes through proper planning. You will also learn about annuities, Social Security, Medicare, and asset allocation to align your investments with your objectives and risk tolerance. A spousal guest can attend at no cost with registration.Please note, there is no guarantee that the strategies discussed will result in investment success, as investments are subject to market risks, including potential loss of principal. Results depend on various factors.Securities offered through LPL Financial, Member FINRA/SIPC.
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Decorating Cookies with Royal Icing
Come learn how to create beautiful sugar cookies with Royal Icing. You will learn and practice how to outline and flood cookies with icing. You will also learn different techniques to enhance the cookies. You will leave each session with beautifully decorated cookies to share with friends and families. Due to the popular demand of these courses, Deborah Butler, our instructor has opened up an "Advanced Courses" series, which highlight more complex techniques. New Advanced Courses now Available!Original Themed Classes September 10 (Fall Fun) October 15 (Spooky Fun) November 12 (Turkey Fun) December 10 (Holiday Fun) Advanced Classes September 24 (Advanced Concepts: Adding Texture) October 29 (Advanced Concepts: Wet on Wet Techniques) November 19 (Advanced Concepts: Simple Florals) All supplies are provided.
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Christmas in Victorian Cape May
Overnight Trips & Tours
Step back in time to the gentility and charm of the Victorian Era and visit beautiful Cape May, NJ at Christmas time. This seaside town is transformed into a Dickens village for the holidays with garlands of fragrant greens and twinkling gaslights. We will spend two nights at the first class Marquis de Lafayette Hotel with oceanfront rooms, located near shops & restaurants. The first evening we will take a Holly Trolley Ride, and enjoy Christmas music as we view Cape May’s holiday decorations and hear the history of many of the Christmas traditions as our trolley winds its way through town. Dinner will be at the Lobster House Restaurant, followed by a visit from a Victorian Storyteller reading a Christmas favorite. Tuesday morning we will join our local guide and travel by bus through West Cape May to the tip of Cape May’s peninsula - one of the most celebrated bird migratory locations in North America. At Cape May Point State Park, there is a fully restored Lighthouse, built in 1859, and at Sunset Beach the concrete ship Atlantus, that ran aground in 1926, is still visible. After a short stop for shopping or to search for “Cape May Diamonds”, we will lunch at the Washington Inn, and then get in the holiday spirit on our self-guided Holiday Inns Tour through some of Cape May’s beautifully decorated properties. Evening and dinner are on your own to explore the quaint shops & restaurants along the Washington Mall. In the morning, enjoy a return to the era of Victorian opulence with our guided tour of the impressive Emlen Physick Estate, where you will experience the feeling of Christmas in the 1890s, and then learn about Victorian Christmas traditions and decorating at Cape May’s Victorian House Museum. Don’t miss the Carroll Gallery to see “An Old-fashioned Christmas” exhibit, a popular annual display featuring a huge Christmas tree, model trains, and an elaborate Dept. 56 Dickens village collection, and the quaint village of Historic Smithville, with cobblestone streets and lovely boutiques filled with unique and beautiful gift ideas for the holidays, before we head home with memories of a lovely visit to Victorian Cape May. Trip includes: Deluxe motorcoach, 2 nights hotel in Cape May, 2 breakfasts, 1 lunch, 1 dinner, sightseeing & admissions per itinerary, Tours Escort, Driver & Tour Director Gratuity Trip fee: $789/dbl or triple or $989/single CANCELLATION POLICY: If a passenger cancels from deposit to October 23, 2023 fee of $50 pp; October 24 to November 20, 2023 fee of $200 pp; no refunds if cancelled on November 21, 2023 or later unless a substitute is provided. Trip Protection Coverage is strongly recommended. Trip Protection offers coverage for Cancellation for covered medical reasons, Interruption, Emergency Medical, Travel Delay, & more. The AON/NTA Travel Protection Plan offers 3 levels of insurance: Basic or Enhanced or Enhanced with Cancel For Any Reason (CFAR). The Pre-existing medical condition exclusion can be waived by purchasing the Enhanced Plan within 14 days of your deposit or initial payment. The Enhanced Plan with the add-on of CFAR must be purchased within 14 days of initial deposit. CFAR allows you to cancel for any reason up to 48 priors to departure and reimburses up to 75% of your nonrefundable trip cost. To enroll: https://nta.aontravelprotect.com Tour Operator Location #076068 OR call AON 1-800-388-1470. Premiums are non-refundable once paid. Terms & Conditions apply. Plan details are available at https://www.friendshiptours.net/protection-plan. Call Friendship Tours 860-243-1630 for assistance in enrolling. This package is subject to our full Terms & Conditions including our Tour Policies and Responsibilities which can be found on our website at https://www.friendshiptours.net/tour-policies. Paper copies are available upon request. It is your responsibility to read these Terms & Conditions. By signing up and making payment on a tour, you agree to be bound to these Terms & Conditions.
Fall 2025