Presented in partnership with Investors Financial Group, LLC
Rejuvenate Your Retirement™ provides retirees with easy-to-understand information on important lifestyle and financial issues often faced during retirement. By offering this well-attended course on a subject that is not covered in our traditional educational system, you are truly helping members of our community.
Open to anyone who is retired.
Register:
Dates (choose one session):
Session 1: May 10 and 17, 2012, 9:30 a.m.-11:30 a.m.
Session 2: May 15 and 22, 2012, 1:00 p.m.-3:00 p.m.
Location:
Maplewood Community Center, 2100 White Bear Avenue North, Maplewood, MN
Cost:
Continuing Education Credit:
Topics include:
Life Planning in Retirement
- The retirement opportunity
- Evaluate your retirement
- Types of retirement activities
- Plan your retirement
- Implement your activities plan
Financial Concerns
- Financial planning changes at retirement
- Making your money last
- Calculating annual withdrawals
- Rates of withdrawal, returns and inflation
- How markets impact income withdrawals
- Transferring longevity risk
- Income taxes and inflation
- Tax tables and marginal tax rates
Investments
- Feelings versus behavior
- Six considerations before you invest
- Investments and risks
- Investment risk management strategies
- How investment returns are taxed
- Tax exempt versus taxable income
- Cash accounts and FDIC insurance
- Individually managed accounts
- Mutual funds versus exchange traded funds
- Immediate and deferred annuities
- Annuity withdrawal choices
- Fixed annuities
- Equity-indexed annuities
- Variable annuities
Retirement Income Sources
- Social Security eligibility and benefits
- Employment income and Social Security
- Social Security planning and considerations
- Four unique strategies to maximize benefits
- Traditional IRAs and Roth IRAs
- Required minimum distributions (RMDs)
- The “Stretch” IRA
- Tax efficient withdrawal strategies
- Roth IRA withdrawals
- IRA to Roth IRA conversions
- Other retirement income sources
Health Care Planning
- Health insurance for early retirees
- Evaluating the cost of coverage
- Medicare enrollment, coverage and choices
- Medicare insurance premiums
- Planning for long-term care expenses
- Long-term care insurance
- Legal planning
Estate Planning
- Fifteen reasons to update your estate plan
- Estate ownership and distribution
- Direct transfer assets
- Benefits of trusts
- Joint ownership of property
- The probate process
- The will
- Insurance and estate planning
- Types of taxes on estate assets
- Five estate tax reduction techniques
- Estate planning suggestions
Registration information: Registration taken on a first come first serve basis.
You will receive a confirmation e-mail following your registration
Cancellation Policy
Questions: If you have questions about the training or how to register, contact the College of Extended Learning at 507-389-2572, or 1-800-311-3142, or email
