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Lisa M. Garver, of Ava, a Modern Woodmen of America representative, has completed a three-day advanced educational program at Modern Woodmen’s home office in Rock Island.

The training program covered retirement distribution techniques to maximum income to recipients while minimizing potential income tax liabilities during retirement years. The seminar also addressed Social Security, healthcare considerations, income strategies and budgeting analysis.

Founded in 1883, Modern Woodmen offers financial products and fraternal member benefits to individuals and families throughout the United States.

— The Southern

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