Beneficiary Planning • Wills vs. Trusts • The tax that effects most – tax on Retirement Assets • Probate • Executor Responsibilities • The working tools of an Estate Plan – Powers of Attorney and Living Wills • What strategies are available?

Traditional IRA/401(k)  --  Roth IRA/401(k)  --  What else is available?  --  Flexibility  --  Having it both ways

Profile of Aging  --  Myth’s of Long-Term Care  --  Consequences of Caregiving  --  Housing Options  --  Steps to Take Today

Current market volatility • Savings vs Investing • Your retirement plan investment options defined and explained • The case for alternatives • Growth vs Value • How important are dividends? • Risk tolerance assessment done correctly • Guiding Principles & Strategies • What will happen with interest rates?

Retirement Healthcare decisions made before age 65 -- COBRA, Affordable Care Act, etc.  --  What Medicare does and does not cover – “In plain English”  --  Medicare Supplement vs. Medicare Advantage Plans  --  Prescription Drug Plans  --  The “Donut Hole”  --  What are my Long Term Care options?

Details about your High Deductible Health Plan  •  Benefits, including the triple income tax advantages  •  How income protection fits in with health insurance  •  Differences between HSAs and FSAs  •  Eligible expenses

Current market volatility • Savings vs Investing • Your retirement plan investment options defined and explained • The case for alternatives • Growth vs Value • How important are dividends? • Risk tolerance assessment done correctly • Guiding Principles & Strategies • What will happen with interest rates?

Where will my money come from? -- Tax Strategies with your income -- Income planning for the phases of retirement: “Go-Go, Slow-Go, No-Go” -- Employer Distribution Options -- Annuities/Ladders -- Social Security Details / Strategies

Traditional IRA/401(k) - Roth IRA/401(k) - What else is available? - Flexibility - Having it both ways

Know the Rules – Deductions, Dividends and Dependents -- Keeping Accurate Records – Save, Shred, or Recycle -- What are Required Minimum Distributions – SECURE ACT -- Tax Deferred Programs – The Ins and Outs -- Tax Planning Strategies -- Year End Planning Checklist -- The Future?