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Retirement Today

A one-day class designed to provide a broad overview of retirement in today’s modern world.

Course Description

Retiring has changed from what it used to be. Fresh challenges have created a new retirement landscape and retirees are looking for reliable education. In our one-day Retirement Today course, you’ll discover how to navigate this new landscape and help better prepare you to reach your retirement goals.
 
We want you to leave our course feeling more prepared and ready than ever for life after work. We’ll cover taxes, Social Security, estate planning, health care, and more.

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What You’ll Discover

Taxes

For the first time in over 30 years, we’ve seen a large shift to the federal income tax code, including the elimination of entire tax brackets. With the geopolitical landscape changing each election cycle, it’s important to have a tax strategy that still favorably works for your retirement income.

When should you take Social Security? Will the Social Security program change with the increasing national debt? We’ll talk about these common questions and others.

The costs of health care have risen quickly over the past half-century, making the average annual health care cost for a 65 year old retiree $165,000 on average.

We’ll walk you through questions to ask your chosen counsel and decision points to consider so you can add confidence when leaving your estate behind.

Determining your income needs is one of the most important steps of retirement income planning. We’ll help walk you through an income and expense worksheet so that you don’t have to guess.

From stocks and mutual funds to real estate income and more, there are lots of options available to take advantage of to keep building toward your financial dreams.

What You’ll Receive

A Collaborative Classroom Setting

Each class is taught by a well-versed instructor with a passion for teaching others important information pertinent to today’s new retirement landscape. Sessions are designed to help you feel comfortable to ask questions and share information about your own retirement journey.

As part of the Retirement Today course, you’ll receive materials specially created to help you follow along with the teaching. Designed for you to reference throughout your journey, the workbook will include sections for note taking and personal feedback.

Course Overview

Taxes

Curriculum Outline

  • Deductions in retirement
  • Federal tax code
  • Taxes throughout history
  • Interest rates
  • Tax-deferred accounts and your retirement

Curriculum Outline

  • A short history of Social Security and taxation
  • Social Security taxation example
  • When should I consider applying for Social Security benefits?
  • The break-even point
  • Spousal benefits
  • Working after claiming benefits

Curriculum Outline

  • Health care and Medicare
  • Health Savings Accounts
  • What is long-term care insurance?
  • Additional benefits of long-term care insurance
  • Types of life insurance

Curriculum Outline

  • Estate planning terms
  • How to choose beneficiaries

Curriculum Outline

  • Income needs
  • Sequence of returns
  • Defined benefit vs. defined contribution
  • Social Security and retirement income
  • RMDs
  • Annuities
  • Dividends/interest
  • Rentals
  • 401(k)s and IRAs
  • The Rule of 100

Curriculum Outline

  • Standard deviation
  • Drawdown
  • Average returns vs. actual returns
  • Structured notes

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