An Educational Course for Retirees Age 64 to 75
Questions? 717-585-6325 Course ID: JCQDT1

Course Outline
Course Outline

 

Now being conducted at...
Widener University
 

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 2018
  • 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