Course Outline

Introduction to The New Retirement Paradigm
  • Yesterday vs. Today’s retirement plan
  • New retirement opportunities
  • Identifying your values, goals, objectives and desires
  • The retirement-planning process
  • How long must your money last?
  • How much will you need in order to retire?
  • When can you retire?
  • 10 biggest retirement-planning mistakes
Tax Implications During Retirement
  • How different types of retirement assets and incomes are affected by taxation
  • The impact and effect that rising tax rates could have on your assets and cash flow in retirement
  • How much of your retirement savings accounts do you really own?
  • What deductions will you lose in retirement?
  • Could you possibly face a higher tax bracket in retirement?
  • Tools and strategies to reduce, minimize and/or eliminate taxes in retirement
Estate and Legacy Planning
  • How to transfer assets based upon your wishes
  • Estate tax and other tax implications
  • Wills, trusts and legal documents
  • How living trusts work
  • What is probate and do you need it?
  • IRA Inheritance Trust
  • Selecting power of attorney
Risk Management
  • Health Insurance, Medicare and Medicare Supplements
  • Long-term care protection options
  • How much financial risk am I willing to assume?
  • The importance and benefits of life insurance
  • What level of insurance do I require?
  • Affordable Care Act known as Obamacare
  • What are the necessary tools for giving me the coverage I need?
Investment Objectives
  • Retirement goals and time horizon
  • Types of investment risks
  • Types of investment strategies
  • Cash accounts, bonds, stocks, mutual funds
  • Exchange-traded funds (ETFs)
  • Tax-deferred annuities
  • Structured notes
  • Market-linked FDIC-insured CDs
Income Planning
  • How to properly draw income from your nest egg
  • The impact of taxes and inflation
  • Longevity risk
  • Sequencing risk
  • Social Security maximization – how and when to elect
  • Employer-sponsored retirement plans
  • Required minimum distributions (RMDs)
  • Case studies
  • Traditional IRAs, Roth IRAs, Roth conversions
  • Strategies to maximize income and minimize taxes
  • Direct vs. indirect rollovers
  • Multi-generational and inherited IRAs