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RETIREMENT PLANNING

RETIREMENT PLANNING. 3. F. E. Foundation for Financial Education. www.f3eonline.org | sharon@f3eonline.org | 240-499-0390. Retirement Issues. Eroding Factors Taxes Inflation Death Disability Fees & Expenses Volatility Lost Opportunity Costs Lawsuits Umbrella Interest Rates.

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RETIREMENT PLANNING

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  1. RETIREMENT PLANNING 3 F E Foundation for Financial Education www.f3eonline.org | sharon@f3eonline.org | 240-499-0390

  2. Retirement Issues • Eroding Factors • Taxes • Inflation • Death • Disability • Fees & Expenses • Volatility • Lost Opportunity Costs • Lawsuits • Umbrella • Interest Rates

  3. Retirement Issues • Taxes and inflation • Your Tax Bracket • Tax Deferred • Tax Free • Roth • Conversions • $1,000,000 Example • Tax Shelters

  4. Retirement Issues • Legacy Planning Issue • Survivor Benefit Pension • Trusts • Beneficiary Designation • Charitable Remainder Trust • Revocable Living Trust • Life Insurance

  5. How Much Am I Responsible For? The above chart represents a breakdown of typical income sources for a current retiree.

  6. Federal Income Tax Rates What will they be when I’m retired? Source: Hilliard Lyons

  7. Mortgage Strategies in Retirement • 15 yr vs. 30 yr • Paying Extra • No Mortgage vs. Large Mortgage • Reverse Mortgage

  8. Wealth Conservation • Avoiding probate and taxes • Three parts to a will • Revocable living trusts • Beneficiary designations • Long Term Care and protecting your assets • Gifting Estate Planning

  9. Exit Strategy • Results of avoiding financial blunders • Maximize wealth • Minimize risk • Reduce taxes • Mitigate liabilities by increasing protection • Spend more/enjoy more/can’t outlive or outlast

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