Retirement Workshop & Complimentary Dinner at The Butcher's Son

Only one evening reservation permitted.

WHY THIS CLASS MATTERS

Many Americans believe that they have their retirement strategy figured out or that it’s as simple as getting their Social Security check and making 401(k) withdrawals. For some, it may be that simple, but it’s also likely that there are numerous factors that they haven’t considered. For example, are they considering how much of their money is spendable versus how much is needed to pay taxes? Do they know that different types of income are taxed differently and that, when combined, some tax-free income types can then become taxable?

Unaware of the complex interactions between different retirement income streams, they may not think they need a financial advisor, or perhaps their desire for advice or expectation of a planner is specific. For example, they seek advice on when to claim Social Security, how to invest, or which savings account to tap at what time so they don’t run out of money in retirement. Yet, they remain unaware of how additional help can deliver better outcomes.

IMPORTANT TOPICS FOR RETIREMENT TODAY

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 INCOME PLANNING

• The three basic retirement accounts

• How to accumulate dollars in the right types of accounts for future retirement income

• What’s better for you: tax-deferred or tax-free accounts?

• How to define a “true” tax-free investment

• When should you convert to a Roth?

• How IRA’s and 401k’s cause Social Security taxation

• Strategies to reduce or eliminate taxes in retirement

The correct way to determine if a retirement income strategy will be successful is by analyzing three major metrics:

1. Portfolio Longevity

How long does the portfolio last? Does it last through their retirement?

2. Sustainable Income

If the portfolio doesn’t last through retirement, how much of their after-tax monthly income need will be met by their monthly income streams such as Social Security and pensions.

3. Estate Value

If the portfolio does last through retirement, what is the net, after-tax estate value that is left behind to the people or causes they care about.

Generally, the content of this event is not intended to provide any tax, legal, financial planning, insurance, accounting, investment, or any other kind of professional advice or services, and nothing presented should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, insurance policy, or investment strategy. To make sure that any information or suggestions in this presentation fits your particular circumstances, you should consult with an appropriate tax or legal professional before taking action based on any suggestions or information in this presentation Unless otherwise specified, you alone are solely responsible for determining whether any financial or insurance strategy, product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation.

Host or Publisher Kenny Porter