Adult Financial Education

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Germantown, TN

Retirement Your Way

Dates: October 25 and 27, 2016
Time: 6:00-9:00PM
Location: The Great Hall, 1900 S. Germantown Pkwy, Germantown, TN 38138
Registration Fee:$59 per person/couple

What could you learn from this course?

  • Calculate the amount of money you need for retirement and write your own goals.
  • Utilize income tax reduction strategies with the goal of keeping more retirement income.
  • Converting employer-sponsored retirement plans to your IRA and ROTH.
  • Structure your retirement income to help preserve your standard of living.
  • Transfer the risk of potential income losses to help preserve your income.
  • Structuring your retirement distributions and tax consequences
  • Avoiding probate and learning how trusts and charitable giving might benefit you
  • Increase your financial literacy so you can better manage your investment goals
  • What risks are you exposed to and the major threats to your retirement?
  • Learn how strategies like asset allocation and diversification can help manage risk in your portfolio, as well as learning how to measure your risk.
  • Become familiar with distribution strategies that may help preserve your estate

 

Why Adult Financial Education?


Why is Retirement Planning Education Now More Important?
The U.S. economy continues to suffer as it recovers from a global economic collapse. Many people now face hard realities about their ability to reach an enjoy retirement. This course explores the basic issues facing pre-retirees and demonstrates how to build a solid well-thought-out integrated financial base, reduce risk, and help preserve your estate. Important retirement concepts in key areas will ultimately determine your financial success. Learn how to take control of your finances and help position yourself for a better future.

 

How You Can Utilize Financial Education
The course curriculum applies fundamental principles to a variety of financial situations. In addition to receiving the latest facts and figures on retirement planning, you’ll also benefit from visual aids and handouts that are clear, concise and easy to understand. The instruction is designed to show you a number of financial concepts that will expand your knowledge base.

 

Who Can Benefit?
 If you are between 45 and 70, “Why Not Retire Your Way?” may help build and preserve your wealth. You can gain the confidence to take charge of your retirement and learn how to decrease your risk while helping to preserve your retirement income.

 

Course Materials
You will receive a 135-page workbook containing financial concepts and topical worksheets that follow the instructor’s PowerPoint presentation and which can serve as a reference tool in the years to come. It includes easy-to-complete exercises and worksheets that can reinforce learning.

 

 

Course Curriculum

 

Define and Create Your Retirement

  • How do you picture retirement?
  • How will you spend your time?
  • Cost of living comparison
  • Will you be prepared?
  • Overcoming Roadblocks
  • Passport to retirement success

Assess the Costs of Retirement

  • Estimating the costs
  • How much money will you need?
  • Impact of inflation/deflation
  • How much should you save?
  • Can you afford to retire?

Evaluate the Sources of Income

  • Employer-sponsored plans
  • Roth and Traditional IRAs
  • Fixed and Variable Annuities
  • Social Security benefits
  • Assessing your position

Invest for the Future

  • What is your investment strategy?
  • What is your risk tolerance?
  • Types of investment vehicles
  • Asset allocation steps
  • Professional investment insights

Protect your Health and Wealth

  • Assessing your insurance needs
  • Coping with a chronic illness/disability
  • Protecting your earning power
  • Life insurance protection
  • Income replacement calculator
  • Your risk management picture

Receiving Funds from Retirement Plans

  • Understanding your options
  • Which distribution method?
  • Taking payment as an annuity
  • Making systematic withdrawals
  • Taking payment as a lump sum
  • Minimum distribution requirements
  • Capital gains tax rates
  • IRA rollovers
  • Distribution considerations

Manage your Estate Distribution

  • Benefits of estate conversion
  • Estate planning challenges
  • Probate and taxes
  • Basic estate tools
  • Estimating your estate tax
  • Annual gift tax exclusion
  • Estate distribution techniques
  • Wills and will considerations
  • Living trusts
  • Taking your estate tax credit
  • Advanced trust strategies
  • Charitable giving
  • Providing for your heirs
  • Putting it all together

Why Should You Attend?
As Americans we spend most of our adult lives making financial decisions, yet receive virtually no formal financial education from elementary school through college to prepare us for these challenges. Many people get an education to learn a career – and, in turn, to make money. This course will help you understand what to do with that money.

  • Bypass Roadblocks to Success.

Market downturns, taxes, inflation, lack of knowledge, inadequate planning, and failure to take action can hurt. Learn how to help identify and bypass them.

  • Absorbing Sound Information Creates Confidence.

Sound financial strategies can give you the background and perspective to make more informed decisions. You can become more confident and decisive about what you want and the options you have.

  • Set Your Goals; Then Go After Them.

This course is designed to help you understand the steps in the retirement planning process. You’ll learn how to formulate realistic goals based on your individual retirement needs, risk tolerance, and length of time to retirement.

  • Procrastination Can Be Deadly; Take Action.

Experience shows that procrastination is the single biggest reason people fall short of achieving retirement goals. After completing this course, you’ll be better prepared to start taking steps immediately to help improve your overall retirement picture.

 

This course could help if you

  • Seek to fight the effects of inflation, taxes, and procrastination
  • Want to learn how to manage risk in volatile markets and a struggling economy
  • Wonder how much your retirement will cost
  • Would like to supplement your employer-sponsored retirement
  • Want to learn how to avoid retirement plan distribution traps
  • Wish to protect yourself with long-term care
  • You’d like to manage your investment risk without taking wild chances
  • Want to learn more about lower estate taxes and probate using trust vehicles
  • Seek greater understanding of how property & casualty coverage may be your first-line of defense in protecting retirement assets

 

What are you getting for your money?


Educational Content
This informative course is designed for education purposes only. You’ll receive instruction about concepts and strategies, like identifying hidden risk, time horizon, and market volatility – not specific financial investments. Your instructor will use straight forward language and full-color graphics to illustrate important financial information you need to know.

 

Retirement Workbook
The comprehensive 135-page financial workbook is both your guide to the course and a valuable reference tool. Take-home exercises allow you to plug in your numbers and review options that could impact your retirement.

 

Optional Consultation
Many students come to the workshop hoping to get answers to their specific financial situations. Since the workshop is designed for general education, if you have such questions you may arrange to visit with your instructor after the course is complete. This consultation is complimentary for workshop participants but is not required.

 

Benefits for Enrolling
The instructor(s) for this workshop use a proprietary blend of what-to-do with experience-based, real-world how-to information. It’s this blend that may prevent you from making expensive mistakes. In our experience, people don’t make mistakes because they want to, but because they don’t understand what their options are.

 

This course will explore how to:

  • Define and create your retirement
  • Assess the costs
  • Evaluate sources of income
  • Invest for the future
  • Protect your health and wealth
  • Receive funds from retirement plans
  • Manage your estate distribution

A 2-hour fresh look at what drives market swings and how to adapt.
Here are some topics we’ll cover:

  • Factors that cause market volatility
  • How events influence stocks
  • Is volatility becoming the norm?
  • Economic and financial market challenges
  • Overcoming bad behavior
  • Does the 60/40 stocks/bonds model still work?
  • Unpredictability of financial markets over different time periods
  • Fundamental investment tactics
  • Taking time off from investing in the market
  • Are you a spectator or an investor?
  • Investment tax treatment
  • What historical performance teaches us
  • Are you where you want to be or do you know how to get there?
  • How often should you make adjustments in your holdings?
  • Do you truly have confidence in your strategy?
  • Developing a sound financial strategy
  • Sources of investment risk
  • Fundamental measures of value and volatility
  • Low-yielding cash alternatives
  • Understanding capital gains and losses

BASIC ROADMAP: Your Starting Point – 3 Hours

Assessing the Costs and Your Needs

  • Estimating the costs
  • How much money will you need?
  • Impact of inflation/deflation
  • How much should you save?
  • Can you afford to retire?

Evaluating Income Sources

  • Assessing your position: TREAT
  • Employer-sponsored pans
  • Roth & Traditional IRAs
  • Fixed & Variable Annuities
  • Social Security Benefits

Invest for the Future

  • What’s your strategy?
  • What’s your risk tolerance?
  • Types if investment vehicles
  • Key investment terms
  • Professional investment insights

Taking Funds from Retirement Plans

  • Understanding your options
  • Which distribution method?
  • Taking payments as an annuity
  • Making systematic withdraws
  • Taking a lump sum payment
  • Required minimum distributions
  • Capital gains tax rates
  • IRA rollovers

Manage Your Estate Distribution

  • Estate planning challenges
  • Probate and taxes
  • Annual gift tax exclusion
  • Wills and will considerations
  • Living trusts

ADVANCED ROADMAP: Your Starting Point – 3 Hours

  • What causes market volatility?
  • What influences stock behavior?
  • Why volatility matters
  • Worst investing bad behaviors
  • Why your parents 60/40 model is not working
  • Economic & financial challenges
  • Unpredictability of financial markets over time
  • What does historical performance teach us?
  • Fundamental investing tactics
  • Are you where you want to be and/or do you know how to get there?
  • Are you a speculator or an investor?
  • Investment tax treatment
  • How often should you adjust holdings?
  • Do you truly have confidence in your strategy? Why?
  • Developing a sound financial strategy
  • Sources of investment risk
  • Fundamental measures of value and volatility
  • Low-yielding cash alternatives
  • Understanding capital gains and losses
  • Seven types of investments to consider in a slow/no growth environment undercut by volatility

Securities, insurance, and advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Additional insurance services offered through Radian Partners. Listed entities are not affiliated with FSC Securities.

 

Instructor: Frank C. Weightman, Ph.D., C.E.P., AIF
Accredited Investment Fiduciary
Certified Estate Planner, Investment Advisor Representative

For Women Only. No matter where you are in your life, this plain-language workshop may help take your emotional fitness and financial literacy to the next level. It can help you become emotionally and financially whole and prepare you for whatever comes next.

 

Instructors: Julie F. Mangus, LPC-MHSP (temp), M.S., M.A. and Frank Weightman Ph.D., C.E.P., A.I.F.

 

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