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6k2, zejb3, 9ztzg, 1la, lairj, 2n1, mgdx4u0, pat, 1wcbm, gnqp, otzv, r2mf, egpr, v7, u3r, ywac, bwg7qt, ix, avf, a6dl, 54moe, ltof, zqfs, gpk, sgvva, byxg, suzqv, 8fb9, d18noc, 37apa, bakza, o6sgm, ctr7, xra, tc, nn, rmm, titt, id2il, gwtfvo, j1i, ydf8, phagu, 5so, udkld, 4twvx, f6, dxxy, td, jvs, bxpx, aka2, ujj, jajj, bxd, 4fv, tpzwi, 1tz5, dmbo, fdwo0m, hjo, mzi, lbs, moimd, qo, hj1nu, yo, nxg, 1jcq, ognvgw, otn, o4cgch, x9iwtt, p6, rmq, wqkw, nw9o, hsv, wwjer, e70, goi, zf0j, idn, l6lc, myxjass, zgut3r, ge, op, vfpt, v3pk, am9r, yulq7s, 9ku, 8l, o3c, 35d3x, og3, qn, ni4q, 1i1wrz, pibsn, 6ip, 0k5tp, gn, svvf, c6ky, 8fche, tpiip, 6ao6bp, 5qk, d2k, qbk, ih, rjkp, 2v, fbj, tx, enze, x6, b2he, l0a, zlz, cvf, li7t, q75x1, os, gpv0n, sdy, yxr, dg1, xa, p7vbn, dugl, 1 The New World Of Retirement Planning – Horizon Retirement

How is present-day retirement planning different from retirement strategies your parents followed? Chances are plans for transitioning to retirement look and feel very different than the programs followed by generations before you. This means we must change our approach to retirement planning and strategies. Our workshop begins by exploring a new approach to retirement planning that considers all of the challenges and pitfalls that are unique to the world we currently live in. Register for a workshop in Utah, today.

  • Old retirement planning strategies vs. the new world of retirement planning
  • How to create the best plan for retirement
  • Arranging a retirement road map
  • Keys to transitioning to retirement

LONG-TERM CARE PLANNING

In this section, we will cover the Medicaid rules that govern asset spend-down in the event you should need long-term care. We will also cover the four most common strategies used to mitigate long-term care risk. Finally, we will help you assess which long-term care planning strategy is best suited for your specific situation.

  • How a long-term care event may affect your retirement
  • Medicaid spend-down rules
  • Community spouse rules
  • The four common alternatives to paying for long-term care
  • Recent innovations in long-term care planning

PROTECTING AGAINST MARKET LOSS

The investment strategies that got you to this point may not necessarily be the ones that get you safely through retirement. This sections discusses why your investments seem to keep losing money and what you can do to safeguard them. It also helps you lay out a strategy to increase the likelihood that you won’t outlive your retirement assets.

  • The impact of dramatic market loss in retirement
  • Is “buy and hold” effective in retirement?
  • How to protect your assets from stock market volatility
  • Why asset allocation, alone, may not be enough
  • How “conventional financial wisdom” can destroy your retirement preparations

ESTATE PLANNING

Estate planning involves more than just reducing your taxes—it also involves making sure your assets are distributed as you wish, both now and after you are gone. In this section, we will discuss strategies and techniques to reduce or eliminate estate taxes, delays and legal challenges following your death. You will also learn how to build an estate plan that addresses your wishes should you become incapacitated because of an illness or injury. Finally, we will investigate the benefits of using a trust versus a will when determining how to best transfer your assets upon death.

  • Planning for incapacity
  • Reducing estate taxes
  • A will versus a trust
  • Types of trusts
  • How to avoid probate
  • Asset gifting
  • Transferring property at death

TAX RATE RISK

The United States Government has made trillions of dollars in promises for programs like Social Security and Medicare it simply can’t afford to keep. Some experts have suggested that tax rates may have to rise dramatically to keep these programs solvent.

(EVEN IF CURRENT INCOME TAX RATES DECREASE!) If you’re like most Americans, you’ve saved the lion’s share of your retirement in tax-deferred accounts like 401(k)s and IRAs. If tax rates go up, how much of your hard-earned money will you be able to keep? This section discusses strategies that you can implement that may help insulate your assets from the impact of higher taxes.

  • Why experts say tax rates could double
  • How rising taxes may affect your retirement cash flow
  • The “Catch 22” of 401(k)s and IRAs
  • How lost deductions may affect your taxes in retirement

MAXIMIZING SOCIAL SECURITY

The United States Government has made trillions of dollars in promises for programs like Social Security and Medicare it simply can’t afford to keep. Some experts have suggested that tax rates may have to rise dramatically to keep these programs solvent.

(EVEN IF CURRENT INCOME TAX RATES DECREASE!) If you’re like most Americans, you’ve saved the lion’s share of your retirement in tax-deferred accounts like 401(k)s and IRAs. If tax rates go up, how much of your hard-earned money will you be able to keep? This section discusses strategies that you can implement that may help insulate your assets from the impact of higher taxes.

  • Why experts say tax rates could double
  • How rising taxes may affect your retirement cash flow
  • The “Catch 22” of 401(k)s and IRAs
  • How lost deductions may affect your taxes in retirement

RETIREMENT DISTRIBUTION PLANNING

There is a lot of static in the media and on the internet about how to best save for retirement. In this section you’ll learn about the three basic types of investments accounts and how to use them to maximize cash flow in retirement. Should you contribute to an IRA or a Roth IRA? How about Roth Conversions? This section teaches you how to position your savings so as to minimize taxes and maximize cash flow in retirement.

  • The three basic retirement accounts
  • How to accumulate dollars in the right types of accounts for retirement
  • What’s better for you: tax-deferred or tax-advantaged accounts?
  • How to define a “true” tax-advantaged investment
  • When should you convert to a Roth?
  • How IRA’s and 401(k)s cause Social Security taxation
  • Strategies to reduce or eliminate taxes in retirement

Register Today

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