Life Planning for Retirement

  • The retirement opportunity
  • Evaluate your retirement
  • Types of retirement activities
  • Plan your retirement
  • Implement your activities plan

Financial Concerns

  • Financial planning changes at retirement
  • Making your money last
  • Calculating annual withdrawals
  • Rates of withdrawal, returns and inflation
  • How markets impact income withdrawals
  • Transferring longevity risk
  • Income taxes and inflation
  • Tax tables and marginal tax rates


  • Feelings versus behavior
  • Six considerations before you invest
  • Investments and risks
  • Investment risk management strategies
  • How investment returns are taxed
  • Tax exempt versus taxable income
  • Cash accounts and FDIC insurance
  • Individually managed accounts
  • Mutual funds versus exchange traded funds
  • Immediate and deferred annuities

Retirement Income Sources

  • Social Security eligibility and benefits
  • Employment income and Social Security
  • Social Security planning and considerations
  • Four unique strategies to maximize benefits
  • Traditional IRAs and Roth IRAs
  • Required minimum distributions (RMDs)
  • The “Stretch” IRA
  • Tax efficient withdrawal strategies
  • Roth IRA withdrawalsIRA to Roth IRA conversions
  • Creating income strategies from your investments

Health Care Planning

  • Health insurance for early retirees
  • Evaluating the cost of coverage
  • Medicare enrollment, coverage and choices
  • Medicare insurance premiums
  • Planning for long-term care expenses
  • Long-term care insurance
  • Legal planning

Estate Planning

  • Fifteen reasons to update your estate plan
  • Estate ownership and distribution
  • Direct transfer assets
  • Benefits of trusts
  • Joint ownership of property
  • The probate process
  • The will
  • Insurance and estate planning
  • Types of taxes on estate assets
  • Five estate tax reduction techniques
  • Estate planning suggestions