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Financial Basics
- Retirement income: perception and reality
- Nine reasons people fail financially in retirement
- Using credit wisely
- Making compounding work for you
- Inflation
- Your income taxes
- Your investments and taxes
- Impact of income taxes and inflation
- Earning real rate of return
- Making your money last
Your Retirement Income
- Sources of retirement income
- Social Security and you
- The value of tax-deferred contributions
- Personal retirement plans
- Traditional IRAs
- Roth IRAs
- Employer retirement plans
- Taking money out of employer retirement plans
- Required minimum distribution/withdrawal rules
- Choosing your retirement plan beneficiary
- Retirement checklist
Investments
- Emergency reserves
- Traditional cash reserves
- Debt and equity investments
- Mutual funds
- Mutual funds for retirement income
- Tax-deferred annuities
- Investing within life insurance policies
- Asset allocation
Risk Management
- Ways to manage risk
- Health insurance and Medicare
- Disability income insurance
- Long-term care
- Paying for long-term care
- Long-term care insurance
- Changing life insurance needs
- Types of life insurance
- Pension maximization using life insurance
- Survivorship life
Estate Planning
- Importance of estate planning
- Planning for incapacity
- Distributing assets at your death
- Direct transfer assets
- Joint ownership
- Trusts
- Probate
- Your will
- Taxes and your estate
- Federal unified gift and estate tax rates
- Providing money for estate transfer costs
Optional Retirement Planning Consultation
Everyone who attends this course is entitled to a personal retirement planning consultation after the course.
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