Retirement Education That Makes Sense
Location: University of Michigan Thursdays, January 29th & February 5th 6:00 - 9:00 p.m. ••• Tuesdays, February 3rd & 10th 4:30 - 7:30 p.m. Location: University of Michigan Rackham Graduate School 915 E. Washington Street Ann Arbor, MI 48109
Should you attend?
Attendees that have found this class helpful include: • Individuals and/or couples ages 50 to 75 • Baby Boomers with questions or concerns about Income Planning • Current and future retirees concerned about the future of U.S. tax rates and trends • Conservative investors looking for a personalized approach not found at large brokerage house or Wall Street This course is NOT for you if you are 100% sure you have planned well enough to retire well and live well.
Course Syllabus - What You Will Learn Plan well. Retire well. Live well. • Understanding All Aspects of Retirement • The Process of Retiring Well • Understanding Your Goals • What’s Important to You • Staying Active in Retirement • New Opportunities
Income Planning • When to Take Social Security • What Social Security & Benefit Plan Makes Sense • Employer-Sponsored Plans • Planning for Inflation • How Far Will the Money Go? • What are Your Retirement Expectations • Customized Retirement Calculations • What to do with a 401k • Strategies to Withdraw Retirement Income • Stretch IRA
Investment Planning • The Market & Emotions • Types of Risk • Managing Investment Risk • Cash in the Bank • Banks and the FDIC • Understanding Mutual Funds • What are ETFs and Do I need One • Annuities: Four Types • Withdrawals and The Market • Traditional & Roth IRAs • Life Insurance
Healthcare Planning • Overview of Health Insurance in Retirement • Medicare Overview & Insurance Premiums • Coverage Cost Comparisons • Options for Long-Term Care • Long-term Care Insurance
Tax Planning • Income Taxes & Inflation • Tax Treatment of Investment Strategies • New Year, New Taxes • Tax Tables • Tax Efficiency & Withdrawal Order of Assets • IRA to Roth Conversions • Investments with Tax Advantages
Estate Planning • Reasons to Update Your Estate Plan • Estate Planning Taxes • Is a Will Enough? • The Probate Process • Creating a Legacy • Charitable Giving • How to Transfer Assets • Is a Trust Right For You? • Estate Tax Reduction Techniques
What You Will Learn
Section 1 – Plan well. Retire well. Live well.
Prior planning prevents poor performance. The reality is that we never plan enough, yet we continue to age every single day. Retirement is coming and by creating a solid plan, you can rest easy knowing that you will be able to enjoy your time. Retirement should be a time when you can relax and live the life you’ve always dreamed of. The goal is simple: Plan well. Retire well. Live well. We want to show you the path.
Section 2 – Income Planning
Enough. It’s a huge concept and the easy answer is that enough, is never enough. Life throws so many unknowns at us. The goal is to figure out and again create a plan to cover as many of those unknowns as possible. By figuring out how much you make today and how much you need tomorrow, you are able to put a real plan together.
Section 3 – Investment Planning
Creating a financial plan for your retirement means planning your investment strategy with care. We will explore and answer questions about everything from stocks and bonds to mutual funds and annuities. This section will cover all of the major pieces that you should consider before investing. We will also explore the various strategies for managing investment risks.
Section 4 – Tax Planning
Taxes. We all owe them, and the IRS provides a number of vehicles that can limit your tax burden. The common concepts are IRA, Roth IRA, 401k, Pension Plans and Social Security. Each tool has pluses and minuses. Your job as a future retiree is to figure out the right balance of these resources so you can have the retirement you want.
Section 5 – Healthcare Planning
Sorry to say this, but you are getting older. Getting older means that things start slowing down. There are more aches and pains. Frankly, there are more visits to the doctor than anyone ever wants. Your Retirement Elevated education includes some deep analysis on long-term care insurance as well as lots of guidance in proper planning. You want to be financially healthy even if life is throwing you a health curve ball.
Section 6 – Leaving a Legacy
What will you be remembered for? Determining how those you love are treated after your death is of critical concern for some people. You don’t want to leave your family with big debts AND you want to make sure that your life’s work means something. Add to that, why on earth would you pay more in taxes than absolutely necessary. Your Retirement Elevated instructor will walk you through a variety of scenarios that will help you make the right decision about wills, trusts, and estate planning. Your wishes matter; now and into the future.
Why Retirement Elevated Works The best life lived is one with insight and knowledge. The focus throughout the Retirement Elevated course is knowledge. The more you know, the more your money grows. Our goal is to provide you with information so you can make solid decisions about your future. We give you three key tools: • Class Education • Reference Material • Access to an Industry Professional When you take these three key tools and your personal desire to retire well, you can sleep easy knowing that you are doing everything you can to take care of your future.
Register today. Space is limited! Pre-registration is a must. Location, Dates and Times Thursdays, January 29th & February 5th 6:00 - 9:00 p.m. ••• Tuesdays, February 3rd & 10th 4:30 - 7:30 p.m. Location: University of Michigan Rackham Graduate School 915 E. Washington Street Ann Arbor, MI 48109
Class tuition is just $49 and covers all course materials. You must register for this class to ensure your space. Your Instructor
Kirk Cassidy an Investment Adviser Representative with Strategic Investment Advisers, an SEC Registered Investment Adviser. Your guest speaker is Marc H. Wander a partner of Witzke, Berr, Carter & Wander, PLLC, specializing in estate planning, elder law and business succession planning.
Registration is Easy! 1. Complete this form and mail it along with your check made payable to: Retirement Education Foundation
Mailing Address: Retirement Elevated Retirement Education Foundation 944 N. Main Street Ann Arbor, MI 48104
2. Call us at (734) 535-4589 to ask any questions.
Registration Form: I will attend: ___ Thursday classes (January 29th & February 5th)
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Tuesday classes (February 3rd & 10th)
Your name: _____________________________________ Your Address: ___________________________________ City, State, Zip: _________________________________ Daytime Phone: _________________________________ Evening Phone: _________________________________ Email address: __________________________________
Materials Fee: $49 (additional workbook $19) ___ I would like an additional workbook at $19. ___ My spouse or guest is joining me. There is no additional charge if no additional workbook is needed. Spouse/Guest Name: _____________________________
Location: University of Michigan Rackham Graduate School 915 E. Washington Street Ann Arbor, MI 48109
Tuesdays, February 3rd & 10th 4:30 - 7:30 p.m.
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Thursdays, January 29th & February 5th 6:00 - 9:00 p.m.
© 2014 Emerging Advisor, LLC
This educational course discusses key issues for current and future retirees. In this class, we will discuss ways to identify facts necessary to make sound financial decisions that are focused on your best interest. You will learn about important financial topics such as tax reduction planning, investment risk management, healthcare planning, and estate planning. Above all, you will learn how to apply the knowledge that will help you plan well, retire well and live well.
What makes financial education different from financial information?
This class explains strategies to help you make sound decisions about your future. Some people want to leave a legacy for their children, others want to make sure they preserve their lifestyle, and still others want to create an income stream for a favorite charity. Your goals are your goals. This class helps you plan, knowing you have the financial recourse to reach them.
When you think about your future, what is your greatest concern or priority?
This course provides real answers to real questions about your financial and retirement concerns. Please read this course syllabus and let us help you LIVE the retirement you deserve.
A financial planning education course designed to help you discover, construct and live the retirement life you deserve.
Course Registration 944 N. Main Street Ann Arbor, MI 48104
Retirement Education That Makes Sense
Kirk Kassidy 12192014