Passport to Retirement

Your “How To” Guide for Financial success with time-tested financial principles that can be applied to a variety of financial situations for retirees or those planning to retire.

Envision

This course will address the Following Topics

  • Can I retire on schedule, or will I have to postpone retirement ?
  • How much money will I need to retire?
  • Could my investments be earning more?
  • Are there better ways to manage my taxes?
  • What are my retirement plan distribution options?
  • How will I provide for my family and heirs?
  • Which investments could work best for me?

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This course is designed to help you:

Steer Clear of Roadblocks

You'll learn about common roadblocks to planning for a comfortable retirement - such as market downturns, taxes, inflation, lack of understanding of the financial markers, the burden of taxes, inadequate planning, and failure to take action - and how to help overcome them.

Acquire Sound Information

Sound information about effective financial strategies will give you the background and perspective you need to make more informed retirement decisions. You'll be more confident and decisive about what you want and the options you have.

Focus on Your Goals

This course is designed to lead you step-by-step through the retirement planning process. You'll learn how to formulate realistic goals based on your individual retirement needs, risk tolerance, and length of time to retirement.

Take Action

Procrastination is the reason why people fall short of achieving retirement goals. After completing this course, you'll be ready to start taking steps immediately to help improve your overall retirement picture.

EDUCATE

Explore Oppotunities

to help you...

Fight the effects of inflation, taxes, and procrastination

Learn how inflation and taxes could be be roadblocks to planning a comfortable retirement, as well as strategies to help overcome these obstacles.

Prepare for a more comfortable retirement

Discover steps to help increase your income from retirement plans and other saving and investment vehicles, as well as how Social Security claiming strategies could affect your benefits.

Determine how much your retirement will cost

Estimate the cost of retirement and adopt a long-term retirement savings strategy.

Supplement your employer sponsored retirement plan

Become acquainted with personal retirement financial vehicles, such as Roth and traditional IRAs, as well as annuities and longevity insurance.

Manage investment risk

Learn how strategies such as asset allocation and diversification could help you manage risk in your portfolio.

Understand your retirement plan distribution options

We’ll discuss the various distribution options and how they may affect your tax situation and your control over your retirement assets.

Understand how a potential disability could affect your income and retirement plan

Understand the financial implications of a disability and what steps you can take to help protect your family’s income.

Avoid probate and estate taxes

Learn how trusts and charitable giving could help reduce estate taxes and probate fees.

Provide for your family and beneficiaries

Become familiar with distribution strategies that may help preserve the value of your estate.

Face potential long-term care costs

Find out the risks involved in self insuring (assuming the risks yourself) and how you could help protect your family from the potentially high costs of long-term care.

Explore Oppotunities

to help you...

Fight the effects of inflation, taxes, and procrastination

Learn how inflation and taxes could be be roadblocks to planning a comfortable retirement, as well as strategies to help overcome these obstacles.

Supplement your employer sponsored retirement plan

Become acquainted with personal retirement financial vehicles, such as Roth and traditional IRAs, as well as annuities and longevity insurance.

Understand how a potential disability could affect your income and retirement plan

Understand the financial implications of a disability and what steps you can take to help protect your family’s income.

Prepare for a more comfortable retirement

Discover steps to help increase your income from retirement plans and other saving and investment vehicles, as well as how Social Security claiming strategies could affect your benefits.

Manage investment risk

Learn how strategies such as asset allocation and diversification could help you manage risk in your portfolio.

Avoid probate and estate taxes

Learn how trusts and charitable giving could help reduce estate taxes and probate fees.

Determine how much your retirement will cost

Estimate the cost of retirement and adopt a long-term retirement savings strategy.

Understand your retirement plan distribution options

We’ll discuss the various distribution options and how they may affect your tax situation and your control over your retirement assets.

Provide for your family and beneficiaries

Become familiar with distribution strategies that may help preserve the value of your estate.

Face potential long-term care costs

Find out the risks involved in self insuring (assuming the risks yourself) and how you could help protect your family from the potentially high costs of long-term care.

ENABLE

Course Curriculum

Manage your Estate Distribution

  • Estate planning benefits and challenges
  • Avoiding probate and taxes
  • Estimating your estate tax
  • How spouses can double their estate tax exemption
  • Annual and lifetime gift tax exclusion
  • Estate distribution techniques
  • Wills and will considerations
  • Living trusts
  • Advanced trust strategies
  • Charitable giving
  • Providing for your heirs
  • Putting it all together

Invest for the future

  • What is your investment strategy?
  • Assessing your risk tolerance
  • Gaining an understanding of stocks, bonds, mutual funds, and ETF's
  • Managing your portfolio
  • Asset allocation and diversification
  • The downside of high expectations
  • Professional investment insights

Define and Create Your Retirement

  • How do you picture retirement?
  • How will you spend your time?
  • Where do you want to live?
  • Will you be prepared?
  • Overcoming major roadblocks

Assess the Costs

  • Estimating the cost of retirement
  • Calculating how much you need
  • How could inflation affect your purchasing power?
  • Will you be able to retire on schedule?

Evaluate Your Sources of Income

  • Employer-sponsored retirement plans
  • Roth and traditional IRAs
  • Fixed and variable annuities
  • What can you expect from Social Security?
  • Making the most of Social Security spousal and survivor benefits
  • Retirement expectations vs. reality
  • Assessing your position

Protect Your Health and Wealth

  • Assessing your insurance needs
  • Protecting your earning power
  • How much life insurance do you need?
  • Income replacement calculator
  • Health-care options in retirement
  • Your overall risk management picture

Recieve Funds from Your Retirement Plans

  • Retirement plan distribution methods
  • Taking payment as an annuity
  • Making systematic withdrawals
  • Taking payment as a lump sum
  • Minimum distribution requirements
  • Avoiding penalties and excess taxes
  • IRA rollover considerations
  • Is a Roth IRA conversion appropriate?
  • Importance of beneficiary designations

Educational Content

This informative course is designed for educational purposes only. You'll receive dynamic instruction about concepts and strategies - not specific financial products and services. Your instructor will use straightforward language and real world examples to illustrate important financial information you need to know. You'll receive the latest facts and figures as well as practical strategies to help prepare for retirement. The presentation tools and handout materials are informative and visually appealing. By the end of the course, you'll potentially understand what your key areas of concern are and have a better idea of what you need to do to help improve your financial future.

Planning Guide

The comprehensive financial workbook is packed with information to help you apply what you learn to your own situation. It's both your guide to the course and a valuable reference tool for the future. Helpful exercises give you the opportunity to plug in your specific numbers on worksheets and review how different investment and financial vehicles could affect your retirement.

Benefits of Enrolling

Many people realize that they need to improve their money management skills and start saving for retirement. But all too often, they don’t take the appropriate steps necessary to achieve their goals.
Advance preparation may help you avoid surprises, such as having to add years to your career because you haven’t accumulated enough money, or living the rest of your life on a reduced income. By attending this course, you can acquire the knowledge and develop the skills you need to face the challenges ahead and to enjoy the rewards that retirement can bring.