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WHO SHOULD ATTEND THIS COURSE


You will find this course relevant if you are developing a retirement plan, nearing retirement, or recently retired. Regardless of your stage in the process, you’ll learn updated strategies that will help you build and preserve wealth in volatile times. Above all, this course is designed to help you assess your current financial position, then lay out a personalized roadmap that helps you achieve your retirement goals.

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WHY THIS CLASS MATTERS


Many of the retirement strategies utilized by your parents have grown outdated and may no longer have application to those looking to retire today. This class compares and contrasts the old retirement paradigms of yesteryear and the new paradigms of today as you prepare to retire in the 21st century. You’ll learn about the effects of Social Security taxation as well as the common distribution pitfalls in retirement. Perhaps most importantly, this class will teach you how to develop a personalized strategy as you confront the challenges of retiring in a rapidly changing world.

The Tax Train is Coming

BALANCED FINANCIAL INFORMATION


There’s a difference between taking your financial cues from media outlets and learning the basics of retirement planning from a trusted, reliable, unbiased source. This course is designed to give you an exhaustive and comprehensive view of financial education while uncovering the many new pitfalls that threaten to derail many retirees in the 21st century.

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COURSE OVERVIEW

  • RETIRING IN THE 21ST CENTURY
    • The old retirement paradigm vs. the new paradigm
    • How to create a clear vision for retirement
    • Creating a retirement road map
    • Keys to transitioning to retirement
  • TAX RATE RISK
    • Why experts say tax rates could double
    • How rising taxes may affect your retirement cash flow
    • The “Catch 22” of 401ks and IRAs
    • How lost deductions may affect your taxes in retirement
  • RETIREMENT DISTRIBUTION PLANNING
    • The three basic retirement accounts
    • How to accumulate dollars in the right types of accounts for retirement
    • What’s better for you: tax-deferred or tax-advantaged accounts?
    • How to define a “true” tax-advantaged investment
    • When should you convert to a Roth?
    • How IRAs and 401ks cause Social Security taxation
    • Strategies to reduce or eliminate taxes in retirement
  • MAXIMIZING SOCIAL SECURITY
    • The causes of Social Security taxation
    • The Social Security thresholds you need to be aware of
    • The real cost of Social Security taxation
    • Strategies to eliminate Social Security taxation
    • Social Security maximization strategies
  • RETIREMENT DISTRIBUTION PITFALLS
    • How the new rules on “Rate of Withdrawal” affect you
    • How to ensure you won’t run out of money in retirement
    • How to liquidate your retirement assets in the right order
    • How to eliminate “sequence of returns” risk
  • MITIGATING MARKET LOSS
    • The impact of dramatic market loss in retirement
    • Is “buy and hold” appropriate in retirement?
    • How to mitigate two types of investment risk
    • Why “asset allocation” alone may not be enough
    • How to truly diversify your retirement portfolio
  • LONG-TERM CARE PLANNING
    • How a long-term care event may affect your retirement
    • Medicaid spend-down rules
    • Community spouse rules
    • The 4 common alternatives to pay for long-term care
    • Recent innovations in long-term care planning

JOIN US ONLINE AT ENDICOTT COLLEGE, Gerrish School of Business
VIRTUAL CLASSROOM



These classes will be held virtually through Zoom.

Tuesdays - Apr 27 & May 4
6:30 pm to 8:45 pm

OR

Thursdays - Apr 29 & May 6
6:30 pm to 8:45 pm

Please email akraft@ipswichfinancial.com if you would like to attend.