Rejuvenate Your Retirement

Life Planning for Retirees

Making your money last throughout retirement has never been more challenging. People are living longer, and fewer retirees have traditional pensions. In recent years, the volatility of the stock and bond markets has been high, and interest rates paid by banks have been low. While more retirees are covered by Social Security, this program also faces financial challenges. This course helps you develop a personalized retirement income plan as part of your overall retirement system.

We will explain how to:

  • Determine what percentage of your assets you may need to withdraw to meet expenses
  • Estimate how many years your money may last and make any adjustments needed to help your money last longer
  • Calculate the impact of investment choices, rate of return, and inflation on your plan
  • Help you understand the different channels within the financial industry so you can make the best choices for your retirement system

Who Should Attend

While there are events available for pre-retirement planning, this unique event focuses on the concerns, issues, and needs that are important to today’s retirees. Whether you’re planning for many years in the future or looking for immediate answers to financial concerns, this popular course provides an eye-opening experience.

Topics We'll Cover

  • Life Planning

    Learn how to fill your days with activities you enjoy and that give meaning to your retirement years. What do you like to do? Do you need help meeting new people? Do you need to make money? Are you interested in volunteering?

    The non-financial aspects of planning our retirement years are often overlooked. Rejuvenate your retirement with quick individual exercises that introduce activities such as hobbies, sports, crafts, social networking, travel, employment, business ventures, lifelong learning, and volunteering. This in-depth section provides insight, entertainment, and inspiration and is a favorite of many attendees.

  • Financial Concerns

    Work until age 65, get a gold watch and a comfortable pension for life, right? For most people, life doesn’t follow this traditional path. As a result of financially challenged government programs and pension plans, unpredictable financial markets, and increasing life expectancies, more responsibility is being shifted to individual retirees, and this trend may continue.

    One by one, we address the primary financial concerns of retirees. The highlight of this section is time-tested strategies for planning your retirement income plan as part of your overall retirement system.

  • Investments

    Due to market volatility over the last couple of decades, this section focuses on ways to help manage investment risk, and six important considerations to understand before you invest. This event helps you evaluate your risk budget, which is the bedrock foundation to any successful investment plan. We discuss the importance of aligning your investment behavior with your attitudes, risk budget, and goals. We teach you how to evaluate portfolio behavior during both up and down markets to help you better understand the impact of loss to your overall retirement system. Since taxes may be your largest investment expense, special emphasis is placed on maximizing the tax-efficiency of your investment returns.

  • Income

    Are you collecting as much as possible from Social Security? Even if you or your spouse has already started to collect, it’s not too late to consider one or more specific strategies designed to maximize your retirement benefits.

    This section also explains IRS rules for required minimum distributions from retirement accounts. We discuss how to calculate these annual withdrawals and avoid severe tax penalties. In addition, you learn how to provide income and help reduce the tax liabilities of your legacy for multiple generations of beneficiaries.

    We also help to educate why a sound investment plan must work with an income plan. Why managing downside risk may be much more important than getting “all the gains,” which is what we see with many misinformed retirees’ investment plans. What happens to your income plan if your investment strategy is designed to incorporate those massive losses experienced by years 2001, 2002, and 2008? Come learn why a strategy must be designed to address cumulative rates of returns over a market cycle, instead of the averages used by so many brokers. Your investment plan must work with your income plan for a successful retirement system.

    A common dilemma that retirees face is deciding whether they should take their withdrawals from their IRAs or from taxable accounts. Discover how to make your retirement income withdrawals as tax-efficient as possible.

  • Health Care

    One of the biggest concerns for retirees is their health. This section discusses Medicare and health insurance options for early retirees. Learn how to evaluate your choices, the cost of coverage, and how to enroll. Long-term care costs may pose a serious threat to your nest egg. We examine important factors to help you decide whether you should purchase long-term care insurance. We also discuss insurance products that offer additional long-term care benefits that may be available if health issues make it difficult to obtain traditional long-term care coverage. Legal planning should not be overlooked here, as well. It addresses the need to manage assets and make medical decisions in case you are incapacitated.

  • Estate

    Estate planning isn’t just about money and includes much more than planning for your death. It involves personal decisions that affect you, your family, and your loved ones, even while you are still living. As a result of recent tax law changes, estate planning is a moving target. We discuss how to plan for today and for your future.

    As part of your financial system, you learn strategies and techniques to minimize or eliminate income, gift, and estate taxes, expenses, delays, legal challenges, and a shortage of liquid assets following your death. We also address the best way to hold joint ownership of property (or other assets) based on your situation.

Learn how to fill your days with activities you enjoy and that give meaning to your retirement years. What do you like to do? Do you need help meeting new people? Do you need to make money? Are you interested in volunteering?

The non-financial aspects of planning our retirement years are often overlooked. Rejuvenate your retirement with quick individual exercises that introduce activities such as hobbies, sports, crafts, social networking, travel, employment, business ventures, lifelong learning, and volunteering. This in-depth section provides insight, entertainment, and inspiration and is a favorite of many attendees.

Work until age 65, get a gold watch and a comfortable pension for life, right? For most people, life doesn’t follow this traditional path. As a result of financially challenged government programs and pension plans, unpredictable financial markets, and increasing life expectancies, more responsibility is being shifted to individual retirees, and this trend may continue.

One by one, we address the primary financial concerns of retirees. The highlight of this section is time-tested strategies for planning your retirement income plan as part of your overall retirement system.

Due to market volatility over the last couple of decades, this section focuses on ways to help manage investment risk, and six important considerations to understand before you invest. This event helps you evaluate your risk budget, which is the bedrock foundation to any successful investment plan. We discuss the importance of aligning your investment behavior with your attitudes, risk budget, and goals. We teach you how to evaluate portfolio behavior during both up and down markets to help you better understand the impact of loss to your overall retirement system. Since taxes may be your largest investment expense, special emphasis is placed on maximizing the tax-efficiency of your investment returns.

Are you collecting as much as possible from Social Security? Even if you or your spouse has already started to collect, it’s not too late to consider one or more specific strategies designed to maximize your retirement benefits.

This section also explains IRS rules for required minimum distributions from retirement accounts. We discuss how to calculate these annual withdrawals and avoid severe tax penalties. In addition, you learn how to provide income and help reduce the tax liabilities of your legacy for multiple generations of beneficiaries.

We also help to educate why a sound investment plan must work with an income plan. Why managing downside risk may be much more important than getting “all the gains,” which is what we see with many misinformed retirees’ investment plans. What happens to your income plan if your investment strategy is designed to incorporate those massive losses experienced by years 2001, 2002, and 2008? Come learn why a strategy must be designed to address cumulative rates of returns over a market cycle, instead of the averages used by so many brokers. Your investment plan must work with your income plan for a successful retirement system.

A common dilemma that retirees face is deciding whether they should take their withdrawals from their IRAs or from taxable accounts. Discover how to make your retirement income withdrawals as tax-efficient as possible.

One of the biggest concerns for retirees is their health. This section discusses Medicare and health insurance options for early retirees. Learn how to evaluate your choices, the cost of coverage, and how to enroll. Long-term care costs may pose a serious threat to your nest egg. We examine important factors to help you decide whether you should purchase long-term care insurance. We also discuss insurance products that offer additional long-term care benefits that may be available if health issues make it difficult to obtain traditional long-term care coverage. Legal planning should not be overlooked here, as well. It addresses the need to manage assets and make medical decisions in case you are incapacitated.

Estate planning isn’t just about money and includes much more than planning for your death. It involves personal decisions that affect you, your family, and your loved ones, even while you are still living. As a result of recent tax law changes, estate planning is a moving target. We discuss how to plan for today and for your future.

As part of your financial system, you learn strategies and techniques to minimize or eliminate income, gift, and estate taxes, expenses, delays, legal challenges, and a shortage of liquid assets following your death. We also address the best way to hold joint ownership of property (or other assets) based on your situation.

Course Schedule & Information

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Course Schedule & Information

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