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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 

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