Held at…
Chandler Gilbert Community College
Tuesdays, | OR | Thursdays, |
An Educational Course for Adults Age 50-65
Who should attend? Retirement Planning Today® contains something for everyone. We address financial issues that pertain to the self-employed as well as employees of corporations and government agencies. The course is designed to teach you how to build wealth and align your money with your values to accomplish your goals in life. Whether you plan to retire 20 years from now or have just recently retired, the information you learn in this class can deliver rewards throughout your lifetime.
Learn about important financial topics such as:
- Determine the amount of money you need to retire
- Understand how inflation can impact your retirement planning decisions
- Select the retirement plan distribution choice that is right for you
- Plan your retirement income to preserve a comfortable standard of living
- Transfer the risk of potential financial losses before or during retirement
- Reduce or eliminate taxes, expenses, delays and legal challenges with estate planning
Course Topics
- Traditional vs. new retirement
- New retirement opportunities
- Values and objectives in nine areas of life
- The retirement planning process
- Early retirement trends
- How long must your money last?
- Inflation, prices and purchasing power
- Retirement expectations
- How much will you need to retire?
- Can you retire today?
- Ten retirement planning mistakes
- Financial and cash–flow statements
- Credit and debt
- Taxes and marginal tax rates
- Eleven strategies to save money on taxes
- Taxable investments
- Capital gains income tax exclusion
- Investments with tax advantages
- Traditional IRAs
- Roth IRAs
- IRA to Roth IRA conversions
- Other retirement income sources
- Social Security eligibility and benefits
- Employment income and Social Security
- Employer–sponsored defined benefit plans
- Employer–sponsored defined contribution plans
- Retiring or changing jobs?
- Defined benefit and contribution plans
- Three important considerations
- Lump sum vs. IRA transfer vs. annuity payments
- Rollovers, direct rollovers and transfers
- Annuity income and choices
- Early retirement considerations
- Minimum required distributions
- Considerations before you invest
- Cash accounts
- Stocks and bonds
- Mutual funds
- Exchange traded funds
- Unit investment trusts
- Individually managed accounts
- Tax–deferred annuities
- Investment risk management strategies
- Disability income insurance
- Health insurance and Medicare
- Long–term care and insurance
- Comparing life insurance
- Planning for incapacity
- Taxes
- Shortfalls of will–only estates plans
- Probate
- Gifting assets
- Joint ownership of property
- Direct transfer assets
- Types and benefits of trusts
Your Instructor(s)
Your instructor is Cristina Acosta, owner of Money Wise Retirement Planning. Money Wise Retirement Planning is an independent financial services firm that utilizes a variety of investment and insurance products. Cristina has over 15 years of experience in the financial services industry, with 15 years of experience as an Investment Advisor Representative and 29 years of experience as an Insurance Professional and has attained the ChFC® and CERTIFIED FINANCIAL PLANNER™ designations. CFP® professionals commit to the CFP Board’s ethical standards that require them to put their client’s interests first.
Chandler-Gilbert Community College and Money Wise Retirement Planning are not affiliated companies.
CFP Board owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® in the U.S.” The ChFC® mark is the property of The American College, which reserves sole rights to its use, and is used by permission.
Insurance products are offered through the insurance business Money Wise Retirement Planning. Money Wise Retirement Planning is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Money Wise Retirement Planning are not subject to Investment Advisor requirements.
Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.
Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including (but not limited to) a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.
All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to guarantees or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Our firm is not affiliated with the U.S. government or any governmental agency. 1908185 - 7/23
Which class would you like to attend?
Tuesdays, Chandler Gilbert Community College | OR
| Thursdays, Chandler Gilbert Community College |
Classroom Experience
Your Course Includes:
Attend with spouse, partner or guest at no additional cost
Take-home course textbook
Optional one-on-one consultation