Retirement Planning Today®

Why Financial Education Is Important

Due to recent tax law changes, an uncertain future for Social Security, and the shift toward employee-directed retirement plans, the need for sound financial strategies has never been greater. In straightforward language, this financial seminar explains time-tested strategies that help you to make informed financial decisions. Whether your objective is to build a nest egg, protect your assets, or preserve your lifestyle throughout retirement, this course helps you plan your future with confidence.

By attending Retirement Planning Today®, you can learn about the many ways to save for retirement as well as the advantages and disadvantages of each. You discover how to save money on taxes, manage investment risks, and protect your assets from potential long-term health care expenses.

Who Should Attend

Retirement Planning Today® contains something for everyone. We address financial issues that pertain to the self-employed as well as employees of corporations and government agencies.

The event is designed to teach you how to build wealth and align your money with your values to accomplish your goals in life. Whether you plan to retire 20 years from now or have just recently retired, the information you learn in this class can be helpful throughout your lifetime.

Above all, this seminar shows you how to assess your financial situation and develop a personalized financial plan to help you achieve your retirement goals.

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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