This is a 2-class course. Each course is 3 hours long and held one week apart.
Registration Fee: $49. Includes 1 Workbook.
Spouse may attend at no additional cost.
You’ve worked hard to provide for your family and save for your future. Now, there is a course that teaches how to keep more of what you earn and make your money work harder for you.
Whether you are just beginning to develop a retirement plan or rapidly approaching retirement, you should enroll in this course. You will learn how to define long-term goals and return from the class with practical information you can apply immediately.
This course includes a 225-page illustrated textbook. Couples may attend together for a single registration fee. Class sizes are limited so register today.
In 2013, over 20,000 people paid tuition to attend this non-credit course through Adult & Continuing Education programs throughout the U.S.
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
- Early retirement considerations
- Minimum required distributions
- Considerations before you invest
- Cash accounts
- Stocks and bonds
- Mutual funds
- Exchange traded funds
- Unit investment trusts
- Individually managed account
- 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
- Planning for incapacity
- A will may not be enough
- Gifting assets
- Joint ownership of property
- Direct transfer assets
- Benefits of trusts
- Types of trusts