How to use Credit  -  Know the 28/36 rule  -  Understanding Gross vs. Net pay  -  Creating a “Spending Plan”  -  Setting long and short-term goals  -  Good Debt vs. Bad Debt  -  Identity Theft prevention ideas

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

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

Saving 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 and Strategies  --  What will happen with interest rates?

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

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?

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

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

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?

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?