Rejuvenate Your Retirement
An Educational Course for Retirees
Now being held at…
Hedberg Library, Woodruff Room
316 S. Main St., Janesville
Full course is two 2-hour sessions
Dates & Times:
1st Session
Tuesday, Dec. 2nd
3:00 p.m. – 5:00 p.m.
2nd Session
Thursday, Dec. 4th
3:30 p.m. – 5:30 p.m.
REGISTER BY PHONE: 608.758.2222
Limited to 24 People
Call us today with questions or to register
Education For Adults
Who Should Attend
Those who are planning for retirement, whether it be years in the future or those in need of guidance for immediate concerns, and current retirees.
Planning Your Income for Life
This course helps develop a personalized retirement income plan.
Find ways to:
- Determine percentage of assets should be withdrawn to cover expenses
- Estimate how long your money may last & make adjustment to help it last longer
- Calculate the impact of investment choice, rate of return and inflation of your plan
Your instructor
Your instructor is Chad Karl, Certified Financial Planner™ professional with over 32 years of experience.
Work Towards an Active, Healthy & Financially Secure Retirement
Rejuvenate Your Retirement® has something for everyone. This comprehensive course covers key issues faced by retirees. Discover new ways to stay mentally, physically and socially active, and learn about important financial topics such as tax reduction planning, investment risk management, health care planning and estate planning. Above all, discover ways to apply this knowledge to work towards a more active, healthy and financially secure lifestyle in retirement.
Course Outline
Retirement Income Concerns
- Finding balance in retirement
- How financial rules change at retirement
- Embracing a self-reliant retirement
- Why Americans retire earlier & live longer than expected
- Transferring longevity risk
- Elder fraud prevention
How Long Will My Money Last?
- Estimating annual retirement expenses
- Calculating annual withdrawal rates
- The impact of declining markets
- Taxes & inflation
- Understanding inflation
Investments
- Feelings vs. behavior
- Investment considerations
- Common investment risks
- Risk management strategies
- Navigating income taxes
- 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
Retirement Income Sources
- Social Security strategies & taxation
- IRAs vs. Roth IRAs
- Required minimum distributions
- Tax efficiency & withdrawal choices
- IRA to Roth IRA conversions
- 401(k) rollovers
- Pensions: lump sum or payments?
- Annuity withdrawal choices
- Choosing your beneficiary
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
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
This presentation should not be used as a basis for legal, tax or investment advice. In any specific case, the parties involved should seek the guidance and advice of their own legal and tax counsel and financial advisor.
Securities offered through StoneX Securities Inc.. Advisory Services offered through StoneX Advisors, Inc.. Member FINRA and SIPC. StoneX Securities and StoneX Advisors do not provide tax, legal, or accounting advice.
This program is in no way affiliated with Hedberg Public Library. Please contact the event organizer for more information.
