COURSE TOPICS

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Session 1 - Section 1 Headline

SECTION 1: INTRODUCTION AND AVOIDING COMMON RETIREMENT PLANNING MISTAKES

Envisioning Your Retirement
Shift from Accumulation to Distribution Phase
12 Costly Errors in Planning for Retirement
Set Financial and Lifestyle Goals
How to Estimate Retirement Needs
Retirement Expenses

Longevity & Effects of Inflation
How to Calculate Retirement Needs
Preparing Net Worth & Cash Flow Statements
Credit & Debt
Taxes and Using Tax Law to Your Advantage
IRA Contributions

Tax Credits & Adjustments
Flexible Spending Accounts & Health Savings Accounts
Capital Gain/Loss Rules & Strategies
Taxation of Investments & Accounts
Tax Exclusion for the Sale of a Home

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Session 1 - Section 2 Headline

SECTION 2: PRIMARY INCOME SOURCES IN RETIREMENT – RETIREMENT PLANS

Employer Sponsored Plans
Defined Benefit Plans
Defined Benefit Income Options
Pension Maximization Strategies
Defined Contribution Plans
401(k) Plans Features & Benefits
Roth 401(K) Plans Features & Benefits

Distribution Options & Requirements
Lump Sum & Partial Distributions
Annuitization
Section 72(t) Distributions
Retirement Plan Rollovers
Net Unrealized Appreciation Technique
Required Minimum Distributions

Traditional IRAs
Roth IRAs
Traditional & Roth IRA Contribution Deductibility & Eligibility
Roth IRA Conversion Rules
“Back Door” Roth IRA Contributions
Distribution Options with Inherited IRA
Secure Act of 2020

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Session 2 - Section 3

SECTION 3: SUPPLEMENTARY INCOME SOURCES IN RETIREMENT – SOCIAL SECURITY & OTHER SOURCES

Overview of Social Security & Benefits
Spousal Benefits
Early Social Security Earnings Penalty

Taxation of Social Security Benefits
When to Begin Taking SS Benefits
Maximizing Your SS Benefit

The Future of Social Security
Other Income Sources in Retirement

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Session 2 - Section 4

SECTION 4: INVESTMENTS

Setting Investment Objectives
Considerations Before You Invest
Loaning vs. Owning
Cash & Emergency Fund
Overview of Bonds (Debt Instruments)
Bond Investment Strategies

Advantages & Disadvantages of Ownership
Overview of Stocks
Overview of Mutual Funds Exchange
Traded Funds (ETFs)
Unit Investment Trusts (UITs)
Individually Managed Accounts

Tax Deferred Annuities
Discussion of Investment Risks
Sequence of Return
Risk Management Strategies

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Session 2 - Section 5

SECTION 5: RISK MANAGEMENT

Introduction to Risk Management
Insurance Overview
Disability Insurance
Personal Liability Insurance

Health Insurance
Medicare
Medicare – Overview of Parts A, B, C, & D
Long Term Care Planning

Long Term Care Insurance
Introduction to Life Insurance
Types of Life Insurance

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Session 2 - Section 6

SECTION 6: ESTATE PLANNING

Importance of Estate Planning
Planning for Estate & Transfer Taxes
Important Estate Documents
Role of the Will in Estate Planning
Probate

Ways to Avoid Probate
Overview of Trusts
Testamentary Trusts
Living Trusts
Revocable Trusts

Irrevocable Trusts
Grantor Retained Annuity Trusts
Charitable Remainer Trusts
Irrevocable Life Insurance Trusts

Disclaimer

Mutual funds, ETFs, variable annuities, and variable life insurance are sold by prospectus. Please read the prospectus and consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the mutual fund, variable annuity contract, or variable life insurance policy and the underlying investment options, can be obtained from your financial professional.

LEARN HOW WE CAN HELP YOU EVALUATE YOUR OPTIONS AND MAKE INFORMED DECISIONS.

JOIN US TO LEARN WAYS TO:

Assess your retirement income needs and learn how to create a comprehensive retirement plan
Preserve and protect your purchasing power in retirement
Avoid common retirement mistakes
Reduce your tax liabilities and possible IRS penalties
Maximize Social Security income
Use IRAs, Roth IRAs and other retirement plans to save for retirement
Properly convert your IRA to a Roth IRA
Use employer-provided benefits such as 401(k), 403(b) and pensions wisely
Make sound retirement plan distribution decisions
Address possible long-term care expenses in retirement

SPACE IS LIMITED. REGISTER TODAY!

PHONE: 904-280-4930
Adam W. Herbert Building 43 12000 Alumni Drive
Jacksonville, Fl 32224

RETIREMENT PLANNING FUNDAMENTALS is a comprehensive financial education course offered throughout the country by highly experienced financial services professionals. These educational seminars teach individuals and families proven retirement planning strategies in an engaging, no pressure learning environment.

The course is provided by The Association of Financial Educators (AFE), a nationwide 501(c)(3) nonprofit educational bureau. AFE is the market leader in providing free educational workshops with the goal of empowering individuals and communities with the knowledge they need to take control of their financial well-being. More information about AFE can be found at www.afe-usa.org.

There is no assurance that the financial concepts and strategies discussed during this course will provide investment success. Investments are subject to market fluctuation, risk, and potential loss of principal. Actual results depend on many factors as discussed in the seminar. Past performance is no guarantee of future success.