Curriculum

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Life Planning for Retirement

• Traditional vs. new retirement
• New retirement opportunities
• Values and objectives in nine areas of life
• The retirement planning process

Retirement Needs & Expenses

• Early retirement trends
• How long must your money last?
• Inflation, prices and purchasing power
• Real rate of return
• Retirement expectations
• How much will you need to retire?
• Can you retire today?

Retirement Roadblocks & Mistakes

• Ten retirement planning mistakes
• Financial and cash-flow statements
• Credit and debt
• Taxes and marginal tax rates
• Eleven strategies to save money on taxes
• Taxable investments
• Capital gains income tax exclusion
• Investments with tax advantages

Retirement Income Sources

• Traditional IRAs
• Roth IRAs
• IRA to Roth IRA conversions
• Other retirement income sources
• Social Security eligibility and benefits
• Employment income and Social Security
• Employer-sponsored defined benefit plans
• Employer-sponsored defined contribution plans

Retirement Plan Distributions

• Retiring or changing jobs?
• Defined benefit and contribution plans
• Three important considerations
• Lump sum vs. IRA transfer vs. annuity payments
• Rollovers, direct rollovers and transfers
• Annuity income and choices
• Pension maximization
• Early retirement considerations
• Minimum required distributions

Investments

• Considerations before you invest
• Cash accounts
• Bonds
• Stocks
• Mutual funds
• Unit investment trusts
• Individually managed accounts
• Tax-deferred annuities
• Investment risk management strategies

Risk Management & Asset Protection

• Disability income insurance
• Health insurance and Medicare
• Long-term care and insurance
• Comparing life insurance

Estate Planning*

• Planning for incapacity
• Taxes
• A will may not be enough
• Probate
• Gifting assets
• Joint ownership of property
• Direct transfer assets
• Benefits of trusts
• Types of trusts

*Estate Planning is done in conjunction with your estate attorney, tax attorney, &/or CPA.

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