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Secure Retirement: Plan Wisely for a Financially Stable Future

Learn how to navigate retirement issues such as taxes, inflation, legacy planning, and estate management to maximize wealth and minimize risk. Explore strategies for wealth conservation, tax shelters, and estate planning exit strategies to ensure a comfortable retirement. Discover ways to protect your assets, reduce liabilities, and enjoy a worry-free retirement.

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Secure Retirement: Plan Wisely for a Financially Stable Future

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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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