Retirement Master Class in Royal Palm Beach, FL

Light Snacks & Drinks will be provided.

ABOUT YOUR HOST: John Browning MBA, CSA CEO of Guardian Rock Wealth

Mr. Browning serves as the Chief Executive Officer for Guardian Rock Wealth™ and is the Amazon best-selling author of the book ,” which can be found on Amazon or by for a free copy.

Mr. Browning leads the investment committee is directly involved in client service and portfolio decisions. You can get to know John more by

Mr. Browning is a graduate of in Ohio and later obtained his MBA from . John is also a Certified Senior Advisor (CSA®). John also holds multiple securities licenses including Series 6, 7, 63, 65 & 24., and brings over 30 years of direct real-world Wall Street experience designing specialized portfolios and managing billions in portfolio assets. John brings a wide range of expertise ranging from security and portfolio analysis to domestic and global economics.

John has served in various executive-level roles in the financial industry at major Wall Street firms including Morgan Stanley, Invesco, Guggenheim, and Nuveen. John has been featured in and Asset TV. John has also been quoted on as well as other publications.

Additionally, John has served and continues to serve on many, not for profit boards. John is the father of six and is a foster and adoptive parent.

IMPORTANT TOPICS FOR RETIREMENT TODAY

TAX RATE RISK

• How rising taxes may affect your retirement cash flow.
• The “Catch 22” of 401k’s and IRA’s
• Are employer sponsored plans better than IRAs?
• Is it time for the Roth conversions?

RETIREMENT INCOME PLANNING

• How to accumulate dollars in the right types of accounts for future retirement income.
• Strategies on how to lengthen the life of your money
• When should you convert to a Roth?
• How IRA’s and 401k’s cause Social Security taxation

MAXIMIZING SOCIAL SECURITY

• The causes of Social Security taxation
• The Social Security thresholds you need to be aware of
• The real cost of Social Security taxation
• Strategies to eliminate Social Security taxation
• Social Security maximization strategies

RETIREMENT DISTRIBUTION PITFALLS

• How to ensure you won’t run out of money in retirement
• How to liquidate retirement assets in the right order
• How to eliminate “sequence of returns” risk

WHY LOSSES DURING RETIREMENT MATTER

• The impact of dramatic market loss in retirement
• Is “buy and hold” appropriate in retirement?
• How to shield your assets from stock market volatility
• Why “asset allocation” alone may not be enough
• How to truly diversify your retirement portfolio

HOW THE NEW SECURE ACT COULD IMPACT YOUR RETIREMENT

• Changes to the RMD age for some!
• IRA Contribution Age Limit Altered
• Positive Changes for Part-Time Workers
• What's Happening to Stretch IRAs?
• Will We See Annuities Included More Often in Workplace Retirement Plans?

Nothing in this communication should be construed as personal Guidance & past performance is no guarantee of future results. There is a risk of loss associated with investing. No representation or implication is made that any methodology or system will generate profits or ensure freedom from losses. Guardian Rock LLC and its affiliates are fiduciary investment advisors. Please consult with us before making investment decisions and/or attempting to implement the strategies and tactics we discuss in any of our publications. Neither John Browning or Guardian Rock Wealth are lawyers or tax accountants.

Host or Publisher John Browning