Session 1


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Section 1 — Life Planning for Retirement

  • Traditional vs. new retirement
  • New retirement opportunities
  • Values and objectives in nine areas of life
  • The retirement planning process

Section 2 — Retirement Needs & Expenses

  • 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?

Section 3 — Retirement Roadblocks & Mistakes

  • 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

Section 4 — Retirement Income Sources

  • 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

Session 2


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Section 5 — Retirement Plan Distributions

  • 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

Section 6 — Investments

  • 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

Section 7 — Risk Management & Asset Protection

  • Disability income insurance
  • Health insurance and Medicare
  • Long-term care and insurance
  • Comparing life insurance

Section 8 — Estate Planning

  • Planning for incapacity
  • Taxes
  • A will may not be enough
  • Probate
  • Gifting assets
  • Joint ownership of property
  • Direct transfer assets
  • Benefits of trusts
  • Types of trusts

How to Register


Since 2003, Retirement Planning Today® has been conducted at thousands of schools and colleges across the country.
Courses are taught exclusively by authorized and trained Instructors. No sales presentations are allowed during the course.