Advanced Annuity and Tax Strategies for Retirement Income

Advanced Annuity and Tax Strategies for Retirement Income

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Advanced Strategies for Using Housing Wealth to Improve Financial Outcomes in Retirement - Curtis Cloke

Managing market volatility and longevity risk are two well-known and highly visible risks easily defined.

Less known or perceived risks may include, fee-drag, tax-drag, provisional income tax calculations that determine how much Social Security income is taxable and the MAGI income tax calculation that determines the Medicare Part B Tier cost a retiree pays for Medicare Part B premiums. 

Advisors who grasp the knowledge of how annuities may vary and how they are taxed differently will be more powerfully equipped to use these tools to help mitigate avoidable tax and cost-drags for retirees. Moreover, advisors who dismiss annuities or focus only on performance yields may miss the boat on significant benefits annuities may provide to their retiree portfolios.

In "Advanced Annuity and Tax Strategies for Retirement Income" with Curtis Cloke, you will:

  1. Improve your knowledge about the best and worst uses for annuities;
  2. Learn how annuities integrate with taxes, protection benefits, while mastering words to educate and contrast;
  3. Understand the “Basket of Products” approach with integration of other portfolio products;
  4. Explore how annuities may enhance and optimize a retiree’s portfolio;
  5. Define critical elements for advisors for better product selection and ultimate client satisfaction;
  6. Dissect a variety of tax classes that may be represented by the household income and asset balance sheet;
  7. Discover how annuities have a variety of potential tax implications, (i.e. LIFO, FIBO®, & FIFO);
  8. Discuss the ethical and powerful concepts of annuities. 

This on-demand webinar is a recording of a recent live webinar. Check our WEEKLY REBROADCAST SCHEDULE where there is no need to take the online quiz to receive CE. You may also take this on-demand course any time for 1 hr CFP®, CRC®, and other Continuing Education Credit when you pass the online quiz.

Your presenter is Curtis Cloke, CLTC, LUTCF, RICP,
award-winning financial professional and
retirement income expert, trainer, and speaker.

Curtis Cloke, CLTC, LUTCF, RICP - Retirement Income Expert


Meet Curtis Cloke, CLTC, LUTCF, RICP, Retirement Income Expert

Retirement planning experience

Curtis Cloke, CLTC, LUTCF, RICP, is an award-winning financial professional and retirement income expert, trainer, and speaker with three decades of experience in income distribution planning.

Curtis began his career as a financial professional with Prudential Financial. After many successful years with Prudential, he merged with a second firm and then in may of 2014, he founded his own firm, Acuity Financial, Inc. This is where his continues to apply and blend his expertise for his clients by providing advanced retirement income-planning strategies and techniques for financial professionals. Curtis is the developer of the Thrive Income Distribution System®, that provides a contractual solution for inflation-adjusted income utilizing the least amount possible of the client’s portfolio value. He has also developed and provided continuing education training to professionals on many topics relating to retirement and estate- planning strategies.

Curtis is a member of the National Insurance and Financial Advisors Association (NAIFA), and is a former president of the Southeast Iowa Association. He is a member of the Society of Financial Service Professionals (FSP) and is a qualifying member of Top of the Table with the Million Dollar Round Table (MDRT). He has earned his CLTC (Certified in Long Term Care) and LUTCF (Life Underwriters Training Council) designations, and moderates development courses for the Life Underwriters Training Council.

Retirement planning thought leadership and expertise

Curtis actively engages all his audiences with his personable character and genuine care for clients’ retirement needs and concerns. Through his extensive experience, he has perfected the ability to quickly and accurately identify the income needs of all his clients and he’s developed a system-based sales approach that he teaches to advisors. Beyond using annuities to create guaranteed income for life, he shows advisors how to generate the maximum inflation-adjusted income for their clients using the least amount of the portfolio.

With a track record of spot-on media commentary, Curtis Cloke’s expertise has been featured in Senior Market Advisor, InsuranceNewsNet, Retirement Income Journal, NAFA Annuity Outlook, The Wealth Channel magazine,, and many more. He is a frequent guest on radio and TV stations, has appeared as a guest on NAIFA ClientCast by Real Wealth® and as a guest presenter on their webinar series, Power Session LIVE by Real Wealth®. Curtis was recognized in 2009 as a top-five finalist for Advisor of the Year by Senior Market Advisor magazine.

Invest in Your Retirement Expertise.

1 hr CFP®, CRC®, and other CE Credit Reporting

We are a CE Sponsor with the CFP Board of Standards and the professional development partner of the International Foundation for Retirement Education (InFRE).

We will report your CFP® and/or CRC® credit (no additional reporting fee). Please add your ID at checkout. You are responsible for reporting all other certification CE credit.

Over 50 courses are accepted for continuing education (CE) credit for those who have earned the Certified Financial Planner® (CFP®) certification, the International Foundation for Retirement Education’s (InFRE) Certified Retirement Counselor® (CRC®) certification, the College for Financial Planning’s Chartered Retirement Plan Consultant (CRPC) certification, the American College’s designations (ChFC, CLU, RICP), Retirement Management Analyst designation (RMA), ASPPA and other certification or designations.

Retirement CE Sponsor with the CFP Board of Standards

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Then become a Subscriber!  Just notify us that you want to become a subscriber within 10 days of course purchase to apply the cost of your individual cost to a new subscription.

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