Client Seminars

With the decline of guaranteed income sources like private pensions, Social Security is an increasingly critical component of a comprehensive and sustainable retirement income plan. Unfortunately, many Americans have limited understanding of how Social Security works and often make inadequate choices when claiming retirement benefits. This seminar examines the key risks retirees face — longevity, inflation, and market volatility, for example — and highlights how Social Security can help address these risks. Lastly, we present five important issues individuals and couples should consider before making important decisions around Social Security.

• Social Security: Five things you need to know (PPT)

• Seminar invitation (PDF)

Explores a range of strategies designed to help clients safeguard wealth through the use of insurance, retirement plans, and the establishment of legal structures such as LLCs and trusts.

• Strategies to safeguard your wealth (PPT)

• Seminar invitation (PDF)
• Asset protection: Basic principles and strategies to safeguard your wealth (PDF)

Wealth management refers to a multifaceted approach to accumulating wealth, preserving wealth, spending down wealth, and passing wealth on to heirs. This seminar focuses on three specific areas: funding college education, preserving wealth by being “tax-smart,” and planning for income in retirement and wealth transfer.

• Using today's wealth for tomorrow's goals (PPT)

• Seminar invitation (PDF)
• Converting a Traditional IRA to a Roth IRA (PDF)
• Choose a sustainable withdrawal rate in retirement (PDF)
• Stretch IRA (PDF)

As boomers move toward retirement, they face new challenges — from rising health-care costs to sustaining assets in retirement. This presentation discusses strategies to help your clients fund a successful retirement, including asset allocation and risk management.

• Strategies for sustainable income in retirement (PPT)

• Seminar invitation (PDF)
• Stretch IRA (PDF)
• Converting a Traditional IRA to a Roth IRA (PDF)
• Choose a sustainable withdrawal rate in retirement (PDF)

Clients leaving their jobs need an effective strategy for their retirement plan assets. This seminar will help them understand the options available to them, determine how to make the best choices for their investment dollars, and learn how to avoid common tax-related pitfalls.

• Rollover Planning seminar (PPT)

• Seminar Invitation (PDF)
• Prospecting letters
  • Job changers (RTF)
  • Procrastinators (RTF)
  • Recent retirees (RTF)
• Investor education
  • IRA brochure (PDF)
  • NUA Rule (PDF)
  • Stretch IRAs (PDF)
  • IRA checklist (PDF)

Due to shifting regulations, how your clients take distributions from their IRAs may be just as important as their investment strategy. This seminar describes the various distribution options, including periodic payments under IRC 72(t), RMD alternatives, and the stretch IRA, as well as an overview of potential penalties and tax liabilities. Also included is a checklist to help your clients with their distribution planning.

• Turning IRA assets into income (PPT)

• Seminar invitation (PDF)
• IRA checklist (PDF)
• Supplemental income (PDF)
• What you need to know about required IRA withdrawals (PDF)
• Stretch IRAs (PDF)
• Investor Education: Understanding the NUA Rule (PDF)
• Designation of Beneficiary Form (PDF)

Advisors and their clients face new challenges and opportunities in financial planning as the Tax Cuts and Jobs Act, passed in the final weeks of 2017, includes changes to tax rates, deductions, and many provisions of the tax code. This seminar examines key provisions of the new law and includes planning considerations and strategies.

• Examining the Tax Cuts and Jobs Act (PPT)

• Seminar invitation (PDF)
• 10 income tax and estate tax planning strategies (PDF)
• Planning for the new 3.8% Medicare investment income surtax (PDF)

With more baby boomers retiring and life expectancies increasing, health-care costs in retirement are consuming a greater portion of household income. In fact, lifetime retirement health-care costs for a 65-year-old healthy couple retiring this year will exceed $250,000. This presentation explores trends in health-care spending, provides details on navigating Medicare, and presents actionable planning strategies.

• Planning for health care in retirement (PPT)

• Seminar invitation (PDF)
• Successful retirement planning must consider health-care factors (PDF)