Retirement Planning Guidebook

- Understand yourpersonal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.
- Learn aboutinvestment and insurance toolsthat may best resonate with your personal style.
- Determine if you arefinancially prepared for retirementby quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.
- Make smart decisions forwhen to start Social Securitybenefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.
- Develop a plan for making the best initial and ongoing choices from thealphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility.
- Assesswhere you wish to live in retirementand whether there are helpful ways to incorporate housing wealth into your retirement strategy.
- Decide how tomanage your long-term care riskbetween self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.
- Understand how tomanage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.
- Get your finances organized and understand how to get yourestate and incapacity planningdocuments in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.
- Identify whether there is arole for trustsin your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.
- Prepare for thenon-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.
Retirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.
TheRetirement Planning Guidebookdoes not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able todo something great!


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