Session 1

Section 1: Retirement Income Concerns

• Finding balance in retirement
• How financial rules change at retirement
• Embracing a self–reliant retirement
• Why Americans retire earlier and live longer than expected
• Transferring longevity risk
• Elder fraud prevention

Section 2: How Long Will My Money Last?

• Estimating annual retirement expenses
• Calculating annual withdrawal rates
• The impact of declining markets
• Taxes & inflation
• Understanding inflation

Section 3: Investments

• Feelings vs. behavior
• Investment considerations
• Common investment risks
• Risk management strategies
• Income taxes in 2019
• Tax exempt vs. taxable income
• Cash reserve accounts
• DIY vs. professional money management
• Individually managed accounts
• Mutual, index & exchange–traded funds
• Immediate, deferred, variable, fixed, and indexed annuities

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Session 2

Section 4: Retirement Income Sources

• Social Security strategies
• Social Security & taxes
• IRAs vs. Roth IRAs
• Required minimum distributions
• Stretch IRAs
• Tax efficiency & withdrawal choices
• IRA to Roth IRA conversions
• 401(k) rollovers
• Pensions: lump sum or payments?
• Annuity withdrawal choices
• Choosing your beneficiary

Section 5: Health Care Planning

• Health insurance & health care costs
• Evaluating the cost of coverage
• Health insurance options in retirement
• Comparing Medicare plans
• Planning for long–term care expenses
• Long–term care insurance
• Legal planning

Section 6: Estate Planning

• Reasons to update your estate plan
• Estate planning & distribution
• The probate process
• Wills, intestacy & trusts
• Comparing different types of trusts
• Life insurance & annuities
• Taxation of estates