retirement plan today
DESCRIPTION
Retirement Plan TodayTRANSCRIPT
Learn how to:• Evaluateinvestmentrisks
• Usenewtaxlawstoyouradvantage
• Accessyourretirementfundsearly
• TakeadvantageofnewopportunitiescreatedbyRothIRAlegislation
• Properlyallocateassetswithinyouremployerretirementplan
•Selecttheretirementplandistributionchoicethatisrightforyou
• Transfertheriskofpotentialfinanciallossesbeforeorduringretirement
• Planyourretirementincometopreserveyourstandardofliving
• Reduceoreliminatetaxes,expenses,delaysandlegalchallengeswithestateplanning
Sponsoredby...
ABCUniversity
Course Locations Dates & TimesMain Campus Saturdays5500N.St.LouisAvenue March21&28Chicago,IL60625 9:00a.m.to12:00noon
— OR —
XY Z High School Tuesdays2501W.AddisonStreet March24&31Chicago,IL60618 6:30p.m.to9:30p.m.
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Retirement Planning Today®
A Course on Investments, Retirement & Estate Planning for Adults — Ages 50 to 70
2 Copyright©2009,FinancialEducatorsNetwork
Education for Life
Discover more about
planning a secure
retirement than most
people learn in a lifetime.
The Value of EducationThekeytolong-termfinancialsuccess,ingoodandbadeconomictimes,islearninghowtomakebetterfinancialdecisions.Yetweallknowhowdifficultitcanbetofindconcise,reliableinformationthatcanmakeadifference.Thiscomprehensivecourseblendsthemostrecentlegislativechangeswithtime-testedfinancialstrategiestohelpyouplanyourfuturewithconfidence.
Retirement PlanningIfyoudidn’treceiveamoneymanagementclassinhighschoolorcollege,youarenotalone.Thiscoursebridgestheeducationalgapbyfocusingonretirementplanningissuesandcriticaldecisionsyoumustmake,thatinsomecases,cannotbereversed.
Importantdecisionsrequiretherightinformation,whichcanbetime-consumingtogatheranddifficulttounderstand.Byattendingthiscourse,youquicklylearnhowtoestimatefutureretirementexpenses,comparewaystosaveforretirementandselecttheretirementplandistributionchoicethatisrightforyou.Weprovideyouwithstrategiesdesignedtosavemoneyontaxes,manageinvestmentrisksandprotectyourassetswithinsuranceandestateplanning.Aboveall,youdiscoverhowtoapplythisknowledgeandimplementthesestrategiestohelpachieveyourretirementgoals.
Life PlanningSinceittakesmorethanmoneytolivea“richlife,”youbegintheclassbyexploringthenon-financialaspectsofretirementplanning.Whileoftenoverlooked,thisprogressiveapproachhelpsyoutodefineyourideaofretirementsoyoucanfinanciallypreparetocreatethelifestyleyouwant.
Who Should AttendThisclasscontainssomethingforeveryone.Weaddressfinancialissuesthatpertaintocorporateandgovernmentemployeesaswellastheself-employed.Thecourseisdesignedtosaveyoutimeandhelptoassessyourfinancialsituation,makeaplanforretirementorre-evaluateyourcurrentplan.Whetheryouplantoretire20yearsfromnoworhavejustrecentlyretired,theinformationyoulearninthisclasscandeliverrewardsthroughoutyourlifetime.
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10 Reasons to Enroll Today!You have an IRA or a company retirement plan – 401(k), 403(b), 457(b): DiscoverhowyoucanbenefitfromnewopportunitiescreatedbyRothIRAlegislation.
You are concerned about investment risk:Learnabout7differenttypesofrisk,5risk-managementstrategiesandthemanytypesoflow-riskinvestmentsthatareavailable.
You are considering changing jobs or retiring: Evaluatetheprosandconsofleavingmoneyinanemployer-sponsoredplan.We’llalsocompareretirementplandistributionchoices,theirimpactontaxesandfinancialflexibilityinretirement.
You want to save money on taxes: Learnhowtax-planningstrategiescaninfluenceyourdecisionsaboutinvestments,IRAs,employer-sponsoredplans,retirementplandistributions,estateplanningandmore.Youalsolearn11strategiestosavemoneyonthisyear’staxes.
You are so busy you only dream about retirement: Exploringhowyouwillspendyourtimeandmoneyinretirementwillhelpyoupictureyourlifestyleanddeterminehowmuchmoneyyoumayneed.
You have company stock within your retirement plan: Learnhowanoften-overlookedprovisioninthetaxlawmayprovidesignificantincometaxsavingswhenyouchangejobsorretire.
You want your IRA accounts to grow and avoid tax penalties:WeexplainIRSrulesforRequiredMinimumDistributionsfromretirementaccountsandhowtocreatea“StretchIRA”toprovideincomeandmaximizefuturegrowthpotentialofyourlegacyformultiplegenerationsofbeneficiaries.
You want to avoid a large financial loss before or during retirement: Findoutwhatquestionstoaskbeforebuyinginsurance.
You need early access to your retirement funds: Learntherulesforaccesstoyourretirementaccountsandexploreyouroptionswithtax-efficiencyandflexibilityinmind.
You have been procrastinating about creating or updating your estate plan: Explorehowyourestateplanaffectsyouandyourlovedoneswhileyouarestilllivingandhowtocreateafinanciallyefficientestateforthefuture.
Most people must make crucial decisions about their retirement plans when they retire. In many cases, these decisions cannot be reversed.
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Course OutlineLife Planning for Retirement• Howretirementhaschanged• Defineyourideaofretirement• Valuesandobjectivesinnineareasoflife• Theretirementplanningprocess
Retirement Needs & Expenses• Earlyretirementtrends• Howlongmustyourmoneylast?• Inflation,purchasingpowerandtaxes• Retirementexpectations• Howmuchwillyouneedtoretire?• Canyouretiretoday?
Retirement Roadblocks & Mistakes• Tenretirementplanningmistakes• Financialandcash-flowstatements• Creditanddebt• Taxesandmarginaltaxrates• Elevenstrategiestosavemoneyontaxes• Taxableinvestments• Capitalgainsincometaxexclusion• Investmentswithtaxadvantages
Retirement Income Sources• TraditionalIRAs• RothIRAs• IRAtoRothIRAconversions• Otherretirementincomesources• SocialSecurityeligibilityandbenefits• EmploymentincomeandSocialSecurity• Employer-sponsoreddefinedbenefitplans• Employer-sponsoreddefinedcontributionplans• Choosingyourbeneficiaries
Retirement Plan Distributions• Retiringorchangingjobs?• Definedbenefitandcontributionplans• Fourimportantconsiderations• IRAtransfers• Advancedtax-savingstrategies• Annuityincomeandchoices• Pensionmaximization• Earlyretirementconsiderations• Requiredminimumdistributions• StretchIRAs
Investments• Considerationsbeforeyouinvest• Cashaccounts• Stocksandbonds• Mutualfunds• Exchangetradedfunds• Unitinvestmenttrusts• Individuallymanagedaccounts• Tax-deferredannuities• Annuitywithdrawalchoices• Investmentriskmanagementstrategies
Risk Management & Asset Protection• Disabilityincomeinsurance• HealthinsuranceandMedicare• Long-termcareandinsurance• Comparinglifeinsurance
Estate Planning• Planningforincapacity• Taxes• Awillmaynotbeenough• Probate• Giftingassets• Jointownershipofproperty• Directtransferassets• Typesoftrusts• Benefitsoftrusts
Thispresentationshouldnotbeusedasabasisforlegaland/ortaxadvice.Inanyspecificcase,thepartiesinvolvedshouldseektheguidanceandadviceoftheirownlegalandtaxcounsel.Estateplanningisdoneinconjunctionwithyourestateplanningattorney,taxattorneyand/orCPA.
Learn how to avoid the
10 biggest retirement
planning mistakes.
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1The6%yieldishypotheticalanddoesnotrepresentanyparticularinvestment.
Note:Potentialpensionincomeand/orSocialSecuritybenefitsarenotrepresentedinthisillustration.Eachinvestor’s
resultswillvaryfromtheseshownasinvestinginvolvesrisk,fluctuatingreturnsandthepossibilityofloss.
Can You Retire Today?Are you ready to retire today? Let’s see if you are financially prepared. Thechartbelowshowstheretirementsavingsyouneedtodaybasedonyourlifeexpectancyandtheamountofannualincomeyouneedduringretirement.
Course Preview
Assumptions: •6%annualyieldonbalance(average)1
•3%inflationrate
•Savingsamountisfullyinvested
•Principalis$0atendoflife
$30,000 $40,000 $50,000 $75,000 $100,000
30 $612,032.35 $816,043.14 $1,020,053.92 $1,530,080.89 $2,040,107.85
25 $542,881.77 $723,842.36 $904,802.94 $1,357,204.42 $1,809,605.89
20 $463,056.74 $617,408.98 $771,761.23 $1,157,641.85 $1,543,522.46
15 $370,909.51 $494,546.01 $618,182.52 $927,273.77 $1,236,365.03
10 $264,537.96 $352,717.28 $440,896.60 $661,344.90 $881,793.20
5 $141,746.35 $188,995.14 $236,243.92 $354,365.88 $472,487.84
Yearstolive
Savings needed to retire, given a number of years to liveand annual income desired (in today’s dollars)
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What You Receive
You work hard to improve
the quality of your life but
rarely get the chance to make
a difference. Enroll today!
ClassroomInstruction RetirementPlanningToday®isbothentertainingandinformative.Classroomsessionsareinstructedbyaqualifiedfinancialprofessionalwhoenhancesthepresentationwithstoriesofreal-lifeexperiences.Attendeesenjoytheinteractivelectureformatwhereparticipationandquestionsareencouragedbutnotrequired.
Course TextbookThiscourseincludesa230-pagetextbookfilledwithexamplesandillustrations.Ithelpsyoufollowalongwiththeclassroompresentationandisyourstokeep.Writtenineasy-to-understandterms,yourworkbookhelpsyoulearnmoreaboutthefinancialconceptsdiscussedinclass,providesastep-by-stepprocesstoapplyyourknowledgeandbecomesausefulreferencetoolafterthecourseiscomplete.
ObjectiveEducationUnlikefinancialseminarsthatfocusonaspecifictopic,thiscomprehensivecoursehelpsyouseethe“bigpicture.”Itexaminesmanyaspectsofpersonalfinanceandhowtheycanworktogethertocreateanintegratedretirementplan.Thiscourseiseducationalandnon-commercial.Nospecificfinancialproductsarediscussedorsold.
OptionalConsultation Ifyouhavefinancialquestionsthatarepersonalinnatureorrelatetospecificfinancialproducts,youmayarrangetomeetprivatelywithyourinstructorafterthecourseiscomplete.Thisconsultationiscomplimentaryforclassattendeesbutisnotrequired.
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How to Register
Your InstructorYourinstructorisJohnM.Doe,ChFC,CLU,aRegisteredRepresentativeandInvestmentAdvisoryRepresentativewithWorldEquityGroup,Inc.,MemberFINRA,SIPCandaRegisteredInvestmentAdvisor.Supervisoryoffice: 1650N.ArlingtonHeightsRd.,Ste.100,ArlingtonHeights,IL60004.(847)342-1700.
Course Locations Dates & TimesMain Campus Saturdays5500N.St.LouisAvenue March21&28Chicago,IL60625 9:00a.m.to12:00noon
— OR —
XY Z High School Tuesdays2501W.AddisonStreet March24&31Chicago,IL60618 6:30p.m.to9:30p.m.
3 Easy Ways to RegisterCalltheuniversitytodayat000-000-0000withquestionsortoregister.WeacceptVisa,MasterCard,AmericanExpressandDiscover.
Completetheregistrationformandmailwithyourtuitionpayment.Pleaseprovidecreditcardinformationormakecheckpayableto:ABCUniversity.
MailingAddress:ABCUniversity5500N.St.LouisAve.Chicago,IL60625
FaxtheregistrationformalongwithyourcreditcardinformationtoFax:000-000-0000
Registration Form:ABC University Course: Retirement Planning Today
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YourName: _________________________________________________________________
YourAddress: _________________________________________________________________
City,State,Zip: _________________________________________________________________
DaytimePhone: ______________________EveningPhone:____________________________
q Iambringingmyspouseorguestatnoadditionalcharge. Tuitionincludesoneworkbook.
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Tuition: $49(advanceregistrationisrequired)
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Class sizes are limited so register today!
Advance registration is required.
Pg.5Take the Quiz —
Can You Retire Today?
What You Receive Pg.6
Course Outline Pg.4
Retirement Planning Today®
A Course on Investments, Retirement & Estate Planning for Adults — Ages 50 to 70
PRSTSTDU.S.Postage
PAIDFMT50322
Sponsoredby...ABC University
Main Campus SaturdaysMarch21&289:00a.m.to12:00noon
— OR —
XYZ High SchoolTuesdaysMarch24&316:30p.m.to9:30p.m.
ABCUniversity5500N.St.LouisAvenueChicago,IL60625
Requestedinhome:2/26,2/27,2/28
Look inside for more information...
Table of Contents:
Retirement Planning Today®
MakeLifelongLearningWorkforYou™
Pg.2The Key to Long-Term
Financial Success
10 Reasons Why You Should Enroll Pg.3
You went to school to prepare for your career.
Now it’s time to prepare for your retirement.