The details of collecting  -  File at 62 or wait?  -  The impact of earnings from employment  -  How Social Security is taxed  -  How to coordinate benefits with your spouse  -  A discussion of the future of Social Security including proposed changes  -  Don’t miss out on benefits you’re eligible for!

Tax benefits explained - Triple Win - Contributions - Who and how much? - Investing options - Do’s and Don’ts - What happens when I separate service?  

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

“Retail” vs Actual college costs ■ FAFSA recent changes - The needs based financial aid system ■ Where does the money come from? ■ How much is enough? ■ Tax Advantaged savings vehicles (Section 529 plans, Coverdell Education Savings Accounts, Individual Retirement Accounts, Uniform Transfer to Minors Accounts, Roth IRA’s, etc.) ■ Tax Credits/Deductions ■ […]

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

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?

Preparing for the responsibilities of being a caregiver • Understanding the costs/financial implications • The myths of Long-Term Care • Exploring various housing options • Profiles of aging • Steps to take today • Helpful tips and available resources

Tips to avoid identity theft -- Establishing an emergency fund -- Planning your retirement savings -- Learning and preparing for the unknown financials ahead -- Financial products explained

Are you emotionally ready to retire?  -- Decisions you will face: Multiple competing goals - Healthcare!!  -  Investing principles/debt management - Identity Theft Protection - Income planning for the phases of retirement: “Go-Go, Slow-Go, No-Go” - 4 “must-do’s” every year

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?

The details of collecting - File at 62 or wait?  -  The impact of earnings from employment - How to coordinate benefits with your spouse - A discussion of the future of Social Security including proposed changes - Don’t miss out on benefits you’re eligible for!