Whether you are nearing retirement, already retired, or beginning to develop a retirement plan, you can benefit from a wealth of real-world information and strategies for retirement success. These strategies can help you make the appropriate choices when confronted by investment alternatives, insurance coverage, increasing health care costs, tax reduction methods, and proper disposition of your estate at death. The course material is relevant to anyone who would like to educate themselves on sound retirement planning concepts– regardless of income, occupation, or age.

Participants who take the course via Zoom will be mailed the course workbook prior to the start date. In-Person participants will receive the course workbook the first day of class. The comprehensive workbook focuses on money, investing, retirement, and finance that will help you apply and retain the information discussed during the course. The workbook is packed with exercises, practical examples, and charts to help you apply what you learn to your own situation. The workbook is yours to keep, and you will be able to use it as a reference tool for years to come.

The course is presented In-Person and via Zoom in a friendly, relaxed atmosphere where your participation and questions are encouraged! The material is taught in a way that is easy to understand, using real-life examples that may be applied to your situation.

Topics Include:

1. Financial Basics
   • Retirement Income: Perception and Reality
   • 12 Costly Errors in Planning for Retirement
   • Setting Financial and Lifestyle Goals
   • How to Calculate Retirement Needs
   • Taxes and Using Tax Laws to Your Advantage
   • Capital Gain/Loss Rules & Strategies
   • Taxation of Investments & Accounts
2. Retirement Income
   • Employer Retirement Plans
   • Distribution Options
   • Required Minimum Distributions
   • Traditional IRAs and Roth IRAs
   • Converting IRAs to Roth IRAs
   • Stretch IRA Strategy
   • Social Security Strategies
   • Social Security Spousal Benefits
   • Other Sources of Retirement Income
3. Investments
   • Goals-based Investing
   • Emergency and Cash Reserves
   • Stocks and Bonds
   • Mutual Funds, ETFs, and SMA
   • Variable Annuities / Index Annuities
   • Investment Risks
   • Risk Management Strategies
4. Risk Management
   • Ways to Manage Risk
   • Disability Insurance
   • Liability Umbrella Insurance
   • Medicare/Healthcare
   • Paying for Long Term Care
   • Life Insurance
5. Estate Planning
   • Importance of Estate Planning
   • Estate & Transfer Taxes
   • Important Estate Documents
   • Role of a Will and Probate
   • Ways to Avoid Probate
   • Trusts