Seminar Agenda
"Financial Strategies for Successful Retirement" class agenda - conducted in 3 -2 1/2 hour sessions
Week 1 - Financial Basics
- Retirement Income: Perception and Reality
- How long will you be retired?
- Nine reasons people fail financially in retirement
- Setting goals
- Using credit wisely
- Controlling debt
- Making compounding work for you
- Inflation
- Your income taxes
- Your investments and taxes
- Impact of income taxes and inflation
- Earning a real rate of return
- Making your money last
Week 2 - Your Retirement Income
- Retirement defined
- Social Security
- Retirement plans
- Value of tax-deferred contributions
- Personal retirement plans
- Traditional IRAs
- Roth IRAs
- Employer retirement plans
- Defined benefit
- Defined contribution
- Taking money out of employer retirement plans
- Required minimum distribution / Withdrawal rules
- Choosing your beneficiary
- Retirement checklist
Week 3 - Investments
- Emergency reserves
- Investment choices
- Traditional cash reserves
- Debt and equity investments
- Stock Exchanges
- Reading stock tables
- Comparing market measures
- Stock market fluctuations
- Corporate distributions
- Using portfolio managers
- Obtaining professional management
- Mutual funds
- Dollar-cost averaging
- Mutual funds for retirement income
- The power of tax deferral
- Tax-deferred annuities
- Variable life insurance policies
- Asset allocation
- The best performing asset class
- Procrastination - Your greatest investment risk
"Passport to Retirement" class agenda - conducted in 3 -2 1/2 hour sessions
Define and Create Your Retirement
- How Do You Picture Retirement?
- How Will You Spend Your Time?
- Where Do You Want to Live?
- Cost-of-Living Comparisons
- Will You Be Prepared?
- Rive Roadblocks to Retirement
- Overcoming the Roadblocks
- Passport to Retirement Success
Assess the Costs
- Estimating the Costs
- Your Current Income
- How Much Money Will You Need?
- How Long Before You Retire?
- Impact of Inflation
- How Much Should You Save?
- Can You Afford to Retire?
Evaluate Your Sources of Income
- Personal Retirement Plans
- Individual Retirement Accounts
- Roth vs. Traditional IRA
- Fixed and Variable Annuities
- Employer-Sponsored Plans
- Social Security Benefits
- Assessing Your Position
Invest for the Future
- What's Your Investment Strategy?
- What's Your Risk Tolerance?
- Investing in Stocks and Bonds
- Investing in Mutual Funds
- Asset Allocation Steps
- What's Right for You?
Protect Your Health and Wealth
- Assessing Your Insurance Needs
- Coping with a Disability
- Protecting Your Earning Power
- What If You Need Long-Term Care?
- Liability Insurance
- Life Insurance Protection
- Income Replacement Calculator
- Your Risk Management Picture
Receive Funds From Your Retirement Plans
- Understanding Your Options
- Which Distribution Method?
- Taking Payment as an Annuity
- Minimum Distribution Requirements
- Capital Gains Rates
- IRA Rollover of Lump Sum
- Distribution Considerations
Manage Your Estate Distribution
- Benefits of Estate Conservation
- Estate Planning Challenges
- Probate and Taxes
- Estimation Your Estate Tax
- Annual Gift Tax Exclusion
- Estate Distribution Techniques
- Wills and Will Considerations
- Living Trusts
- Taking Your Estate Tax Credit
- Advanced Trust Strategies
- Charitable Giving
- Providing for Your Heirs
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