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
  • CALL US
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© 2024 by The Prepare Institute

The Prepare Institute is recognized by the IRS as a 501(c)3 nonprofit educational institution that provides educational retirement-planning courses and classes nationwide. Our instructors are licensed and trained financial professionals with a minimum of 10 years of real-world experience in their field. The Prepare Institute courses do not promote or endorse any specific products or companies, and no selling is allowed. The Prepare Institute educational  courses are for general, noncommercial, education only and are not intended to be construed as tax, legal or financial advice. Attendees should seek the assistance of a financial and/or tax professional familiar with the course material prior to implementing any of the principles and strategies taught or discussed in the course.