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THE CHANGING WORLD OF RETIREMENT PLANNING™ Financial Education Course

THE CHANGING WORLD OF RETIREMENT PLANNING™ is a two night, six hour course created and designed by the National Society of Financial Educators (www.NSFE.ORG). The NSFE is a network of educators dedicated to helping pre-retirees and recent retirees improve their lives through comprehensive personal finance education. These courses are conducted on university and college campuses across the country and are designed to increase awareness about financial issues so that class attendees can make more informed decisions about their retirement. As an an approved instructor in the Jacksonville, FL area Dennis offers this course several times each year. If you would like information about this course and when it will be offered complete the online request by selecting the link below.

COURSE OVERVIEW

Session One

RETIRING IN THE 21ST CENTURY
• The old retirement paradigm vs. the new paradigm
• How to create a clear vision for retirement
• Creating a retirement road map
• Keys to transitioning to retirement

TAX RATE RISK
• Why experts say tax rates could double
• How rising taxes may affect your retirement cash flow
• The “Catch 22” of 401k’s and IRA’s
• How lost deductions may affect your taxes in retirement

RETIREMENT DISTRIBUTION PLANNING
• The three basic retirement accounts
• How to accumulate dollars in the right types of accounts
• What’s better: tax-deferred or tax-advantaged accounts
• How to define a “true” tax-advantaged investment
• When should you convert to a Roth
• How IRA’s and 401k’s cause Social Security taxation
• Strategies to reduce or eliminate taxes in retirement

ESTATE PLANNING
• Planning for incapacity
• Reducing estate taxes
• A will vs. a trust
• Types of Trusts
• How to avoid probate
• Asset gifting
• Transferring Property at Death

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Session Two

MAXIMIZING SOCIAL SECURITY
• The causes of Social Security taxation
• The Social Security thresholds you need to be aware of
• The real cost of Social Security taxation
• Strategies to eliminate Social Security taxation
• Social Security maximization strategies

RETIREMENT DISTRIBUTION PITFALLS
• How the new rules on “Rate of Withdrawal” affect you
• How to ensure you won’t run out of money in retirement
• How to liquidate your retirement assets in the right order
• How to eliminate “sequence of returns” risk

MITIGATING MARKET LOSS
• The impact of dramatic market loss in retirement
• Is “buy and hold” appropriate in retirement?
• How to mitigate two types of investment risk
• Why “asset allocation” alone may not be enough
• How to truly diversify your retirement portfolio

LONG-TERM CARE PLANNING
• How a long-term care event may affect your retirement
• Medicaid spend-down rules
• Community spouse rules
• The 4 common alternatives to pay for long-term care
• Recent innovations in long-term care planning

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