RETIREMENT READINESS REVIEW (2 DAY) TUESDAYS Jan 27 & Feb 3, 2026

This is a two-session, in-depth retirement planning workshop for adults (primarily age 50+) held at Roger Williams University School of Law, designed to be purely educational (not a sales event) and to help you build your own retirement plan with clear, practical guidance.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

• Name: Retirement Readiness Review – An Educational Workshop on Retirement Planning for Massachusetts & Rhode Island Residents 50+.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Format: Each workshop consists of two evening classes, 6:00–9:15 pm, on back-to-back weeks, plus a separate one-hour personal lab session scheduled with the instructors.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Instructors: Jay Williams, JD, CFP®, and Christopher Resendes, fiduciary wealth advisors with over 20 years’ experience working with retirees and pre-retirees.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Cost/registration: Tuition includes the workbook, 6 hours of classroom instruction split into two evening sessions, and the one‑hour personalized lab session; registration is available by mail, phone, or online (Eventbrite link referenced on the mailer), with payment by check or credit card per the registration form.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

• Venue: Roger Williams University School of Law, RWU School of Law, 1 Old Ferry Road, Bristol, RI 02809.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Campus access: You may enter campus through either the Main Entrance or the North Entrance.
• Parking: If you enter through the Main Entrance, park in Lot 1 near the main entrance; if you enter through the North Entrance, you may park in Lot 10 or Lot D.
• Setting: Classroom-style environment on campus, structured as an adult education/enrichment “Money Matters” class, focused on learning rather than product pitches.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• What to bring: Basic contact and payment information if registering in person/by mail; you may also want to bring your retirement account statements, pension/Social Security estimates, and a notebook for exercises and your lab session.

Across the two evenings, the class walks through the full retirement planning process so you can understand what you need, what you have, and how to close any gaps. Key sections include:Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

• Retirement goal setting: Clarifying how you want to spend your time, what you want to accomplish, and when you hope to retire, with written exercises to define concrete goals.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Needs and expenses: Estimating how much you’ll need to retire, understanding retirement trends, inflation, cash-flow statements, and “When can I retire?” analysis.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Taxes: How different accounts and investments are taxed, strategies to reduce taxes before and during retirement, and ways to use vehicles like Health Savings Accounts efficiently.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Income sources: Traditional and Roth IRAs, Roth conversions, Social Security rules and timing, workplace plans (401k/403b/457, pensions), and other income streams.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Plan distributions: How and when to take money out of retirement plans, handling company stock, early-access rules, and Required Minimum Distributions (RMDs).Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Bonus topics: Investment basics (cash, stocks, bonds, mutual funds, ETFs, annuities, fee vs. commission), insurance planning (health, Medicare, long‑term care, life insurance), and estate planning (wills, trusts, probate, estate taxes, incapacity planning, beneficiary designations).Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

Attendees get several tangible resources as part of the class to help move from theory to an actual plan.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

• Workbook/textbook: A printed workbook covering all class material in plain language, with space for notes and step-by-step guidance to build your own retirement plan.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Classroom instruction: Live instruction from the CFP® practitioner and co‑instructor, using real-life, relatable examples to explain concepts and common pitfalls.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Personalized lab session: A one-hour one‑on‑one “lab” meeting with the instructors to ask personal questions and see how the concepts apply to your situation.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Sample analyses: During that lab, you can receive a Social Security analysis and an estimated cash flow analysis to help answer “Will I run out of money?” and similar concerns.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

• Education, not a sales pitch: The workshop is positioned as pure financial education, with nothing for you to buy and a focus on helping you take charge of your financial future.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Audience: Primarily adults 50+ from Massachusetts and Rhode Island, though those younger than 50 who want to start planning are also welcome.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Pace and style: The material is presented in clear, easy-to-understand terms, with time for questions and interactive planning exercises rather than dense technical lectures.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​
• Outcome: By the end, you should have a clearer understanding of when you can retire, how much you’ll need, how to coordinate investments, taxes, Social Security, and insurance, and concrete next steps to finalize your personal retirement plan.Clarity-Retirement-Wealth-Mailer-Retirement-Readiness.pdf​

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