Retirement Smart for Consumers

 

How can I afford to retire?

The retirement decision today is much more complicated than what it was for our parents.  A wrong decision can affect whether or not your savings last as needed.  It is important for consumers to approach their retirement decisions holistically so all the assets they have available can work to secure their retirement.

Whether you are a do-it-yourselfer or eventually want guidance and help to implement, you can access a series of must-see webinars by today’s leading experts for only $89 to help you make informed retirement decisions and secure your retirement.

The next Retirement Smart education series begins broadcasting the first week of October

Retirement Smart for Consumers

Register soon for the series of eight webinar broadcasts that begins Sunday, September 30 and runs thru the end of November. Programs will be broadcast Sundays thru Thursdays at 9 pm eastern.  If you miss a broadcast webinar, you can view the recording when convenient.

Webinars may be viewed on desktops, laptops, tablets and phones.  You may replay programs when desired.

As part of your membership, you will receive a PDF of the slides for taking notes and an Action Plan per course to help capture your next steps. You will also receive a Certificate of Completion once we confirm you watched all the webinars in your package. We recommend that you then take your Certificate and Action Plans to your advisor or find one who can help you implement what you’ve identified as important to do or further explore to secure your retirement.

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Our webinars help you PLAN for retirement

Webinar #1: What do I need to know about retirement?

Steve Vernon, FSA - Expert in Strategies that Integrate DC Plans, Social Security, QLACs

Steve Vernon, FSA, MAAA – Research Scholar, Stanford Center on Longevity

Older workers face a series of critical decisions as they transition from the workforce into retirement. These decisions include deciding when to retire, whether to work part-time, when to claim Social Security, how to deploy savings in retirement, selecting medical insurance, protecting against the risk of long-term care, where to live, how to enhance your health and longevity, and nurturing your social portfolio.

Three things you need to know:
1. How to plan for your life expectancy
2. How to plan for retirement income
3. How to approach spending in retirement.

Webinar #2: How do I successfully transition to retirement?

John E. Nelson – Purposeful Retirement Advocate, Author & Coach

John E. Nelson – Purposeful Retirement Advocate, Author & Coach

Financial security doesn’t automatically create happiness in retirement. Retirement planning and education programs provide tools and checklists for a successful financial transition. But financial security doesn’t automatically create happiness in retirement. Emerging research shows what actually leads to happiness — and it’s not obvious. This session shares practical tools and checklists for planning a happy retirement.

Three things you need to know:
1. The greatest risks to your happiness during the different stages of retirement.
2. How to plan for a happy life in retirement.
3. A practical approach for creating a personalized “happiness allocation.”

Our webinars help you PROTECT your retirement from risks

Webinar #3: When should I take Social Security?

Matthew Allen, CEO, Social Security Advisors

Matthew Allen, CEO, Social Security Advisors

Over 10,000 baby boomers will claim their Social Security each day for the next twenty years. The average couple receives over $1 million in lifetime Social Security benefits, so deciding when and how to claim Social Security benefits is one of the most important financial decisions that most retirees will ever make. Despite changes that took effect in 2015, there are still enormous opportunities to maximize lifetime benefits.

Three things you need to know:
1. How married, single, divorced, and survivor retirees can maximize their benefits.
2. How to file, when to file, and the correct way to file for Social Security.
3. How to avoid costly mistakes and common traps.

Webinar #4: What do I need to know about Medicare?

Peter Stahl, CFP®, Founder, Bedrock Business Results; WealthWatch

Peter Stahl, CFP®, Founder, Bedrock Business Results; WealthWatch

Whether a person is turning 65, working, not working or retiring after age 65, the maze of Medicare is a mixture of Federal Regulations, misinformation and unrelenting mailings from companies selling Medicare plans. The Medicare decision includes what additional plan to buy to offset your 20% of the bill, deductibles and coinsurance that Medicare itself does not pay when a claim is received. In addition, making the wrong decision in Medicare enrollment or non-enrollment can include lifetime financial penalties. You can manage Medicare costs by finding resources to help make informed decisions and by better understanding how taxable investment income can affect monthly Medicare premiums.

Three things you need to know:
1. The four parts of Medicare and additional plans available
2. When to enroll in Medicare and how much it will cost
3. How the Medicare Prescription plan works

Webinar #5: How can a health savings account help me pay for medical and long-term care premiums and expenses in retirement?

Peter Stahl, CFP®, Founder, Bedrock Business Results; WealthWatch

Peter Stahl, CFP®, Founder, Bedrock Business Results; WealthWatch

We underestimate how much of our retirement income will be spent on health care costs. Health savings accounts (HSAs) are well suited to fill this void by offering superior tax efficiency today coupled with the flexibility to meet a retiree’s changing needs as they age. Although not every American can have an HSA, this savings account option is increasingly available to workers as part of their employer benefits package or for self-employed individuals with high deductible health plans.

Three things you need to know:
1. Learn about HSAs and how they compare to other tax-deferred savings programs
2. Understand how HSAs can be invested and how to maximize savings via HSAs;
3. Understand how HSAs can help with your retiree health care costs

Our webinars help you PROVIDE retirement income that lasts a lifetime

Webinar #6: What should I do if I need more retirement lifetime income?

Kevin Seibert Retirement Income Expert

Kevin Seibert, CFP®, CRC®, Managing Director, Int’l Foundation for Retirement Education

When and how should I take income from my retirement savings?” With longer life expectancies, rising health care costs, and fluctuating retirement savings values, having a consistent level of income is a challenge. It is important to understand the risks you will face before you retire so you can make informed decisions about when to retire and how to take income from your pension, defined contribution plans, IRAs and other personal retirement savings.

Three things you need to know:
1. The key risks of retirement to protect against
2. Options for closing your retirement income gap
3. How to create a retirement income plan that reduces the chance of running out of money

Webinar #7: How should I invest my retirement savings to/thru retirement?

Michael Falk, CFA, CRC® - Behavioral Finance Expert & Retirement Contrarian

Michael Falk, CFA, CRC® – Behavioral Finance Expert, Investing Expert, Retirement Contrarian

Many people believe that upon retirement you should invest in only “safe” investments.  However, there are other types of retirement risks besides protecting your savings from volatility in the stock market, such as living longer than your savings (longevity), inflation, sequence of returns, and etc. It is also important to choose investments appropriate for go-go, slow-go and no-go phases of retirement and for leaving a legacy if that is a goal.

Three things you need to know:
1. How to avoid money risks in retirement
2. Understand how only two income buckets are needed
3. How mostly everything you hear about investing for retirement is overly complicated and wrong

Webinar #8: How can I use a home equity reverse mortgage to help my retirement savings last?

Shelley Giordano, Chair of the Funding Longevity Task Force

Shelley Giordano, Chair of the Funding Longevity Task Force

Home equity is the largest asset that most middle-income retirees have after the value of their Social Security and pension benefits. In a time when lifetime income sources such as pensions and Social Security benefits are declining, accessing home equity will become more important as people live longer and face increasing health care costs. Reverse mortgages offer a way to tap home equity for retirees to address these needs and stay in their home. Because of key changes made in the last several years to the Home Equity Conversion Mortgage program by the Federal Housing Administration, the safety and functionality of accessing home equity now goes beyond supplementing retirement income.

Three things you need to know:
1. How planning for possibly using housing wealth early in retirement can help retirement savings last
2. How establishing a line of credit that keeps pace with inflation can provide the funds for a long-term care event, the effects of which fall so heavily on women
3. How a reverse mortgage strategy can prevent selling the marital home and provide a means for equitable housing for both parties.

Webinar #9: How do I make withdrawals from retirement savings to minimize taxes and penalties?

Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

It is important to take traditional IRA and defined contribution retirement savings Required Minimum Distributions (RMDs) on time and avoid penalties. Distributions from IRAs are usually considered ordinary income. Amounts withdrawn may also be subject to a 10 percent early distribution penalty if withdrawn before age 59½, however there are exceptions. Additionally, distributions from IRAs are usually optional until the owner reaches a certain age.

Three things you need to know:
1. Exceptions to December 31st required beginning dates
2. The tax implications of distributions from IRAs and early distribution rules
3. Tax withholding rules – election and application

 

Sign up today!

Retirement Smart for Consumers

Register soon for the series of eight webinar broadcasts that begins Monday, October 1 and runs thru the end of November.  The next series begins in January and you may choose your package from a variety of days and times upon checkout.  If you miss a broadcast webinar, you can view the recording when convenient.

Webinars may be viewed on desktops, laptops, tablets and smartphones.  You may replay programs when desired.

As part of your membership, you will receive a PDF handout for taking notes and an Action Plan per course to help capture your next steps. You will also receive a Certificate of Completion once we confirm you watched all the webinars in your package. We recommend that you then take your Certificate and Action Plans to your advisor or find one who can help you implement what you’ve identified as important to do or further explore to secure your retirement.

ADD TO CART