Life Planning for 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
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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
Pension maximization
Early retirement considerations
Minimum required distributions
Investments
Considerations before you invest
Cash accounts
Bonds
Stocks
Mutual 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
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