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Page address: http://www.mnsu.edu/news/read/?id=1349467834&paper=continuinged

Retirement Planning Today

Presented in partnership with Vantage Point Wealth Management

2014-01-16

 

Retirement Planning

Retirement Planning Today® provides one of the most important roles for continuing education programs is providing quality courses for adults who are trying to improve their lives.

Retirement Planning Today® combines life planning & retirement planning concepts. 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.

Register:

Dates (choose one session):

  • Session 1: Wednesdays October 3rd and 10th, 6:30pm - 9:30pm
  • Session 2: Mondays October 15th and 22nd, 6:30pm - 9:30pm
  • Session 3: Wednesdays October 17th and 24rd, 6:30pm - 9:30pm
  • Session 4: Tuesdays October 23th and 30th, 6:30pm - 9:30pm

Location:

Cost:

  • $49

Continuing Education Credit:

  • 6 contact hours

Objectives: Attendees will learn how to:

  • Determine the amount of money you need to retire
  • Create your own goals for a “successful retirement”
  • Eliminate debt and improve cash flow
  • Properly convert your IRA to a Roth IRA
  • Select the retirement plan distribution choice that is right for you
  • Plan your retirement income to preserve a comfortable standard of living
  • Transfer the risk of potential financial losses before or during retirement
  • Reduce or eliminate taxes, expenses, delays and legal challenges with estate planning

Topics include:

Life Planning in Retirement

  • Traditional vs. new retirement
  • New retirement opportunities
  • Values and objectives in nine areas of life
  • The retirement planning process

Retirement Needs & Expenses

  • Early retirement trends
  • How long must your money last?
  • Inflation, prices and purchasing power
  • Real rate of return
  • Retirement expectations
  • How much will you need to retire?
  • Can you retire today?

Retirement Roadblocks & Mistakes

  • Ten retirement planning mistakes
  • Financial and cash-flow statements
  • Credit and debt
  • Taxes and marginal tax rates
  • Eleven strategies to save money on taxes
  • Taxable investments
  • Capital gains income tax exclusion
  • Investments with tax advantages

Retirement Income Sources

  • Traditional IRAs
  • Roth IRAs
  • IRA to Roth IRA conversions
  • Other retirement income sources
  • Social Security eligibility and benefits
  • Employment income and Social Security
  • Employer-sponsored defined benefit plans
  • Employer-sponsored defined contribution plans

Retirement Plan Distributions

  • Retiring or changing jobs?
  • Defined benefit and contribution plans
  • Three important considerations
  • Lump sum vs. IRA transfer vs. annuity payments
  • Rollovers, direct rollovers and transfers
  • Annuity income and choices
  • Early retirement considerations
  • Minimum required distributions

Investments

  • Considerations before you invest
  • Cash accounts
  • Stocks and bonds
  • Mutual funds
  • Exchange traded funds
  • Unit investment trusts
  • Individually managed accounts
  • Tax-deferred annuities
  • Investment risk management strategies

Risk Management & Asset Protection

  • Disability income insurance
  • Health insurance and Medicare
  • Long-term care and insurance
  • Comparing life insurance

Estate Planning

  • Planning for incapacity
  • Taxes
  • A will may not be enough
  • Probate
  • Gifting assets
  • Joint ownership of property
  • Direct transfer assets
  • Benefits of trusts
  • Types of trusts

Presenter:
Laren Klein, CRPC®  was born and raised in Woodbury, MN. She attended the University of Iowa for her first two years of college then transferred back to finish up her degree at the University of Minnesota, Twin Cities. Prior to working with Vantage Point Wealth Management Lauren was a financial advisor with Ameriprise Financial. At Ameriprise, she received industry renowned training and consistently earned outstanding customer feedback from clients for her advice regarding wealth management and retirement planning, debt reduction strategies, protection planning, and employer benefit design. Lauren is passionate about helping clients achieve their financial goals and committed to staying current on emerging trends in the financial planning industry. She is currently working towards her Certified Financial Planning, CFP® Certification with Minnesota State University. 

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

 

For MSU events: individuals with a disability, who need reasonable accommodation to participate in this event, are asked to contact the Office of Disability Services at 507-389-2825 (V/TTD), 800-627-3529 or 711 (MRS/TTD) at least five days prior to the event.

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