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!

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?

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

How to use Credit  --  Know the 28/36 rule  --  Review popular credit card myths  --  Creating a “Spending Plan”  --  Are 401k loans a good alternative  --  Good Debt vs. Bad Debt  --  Identity Theft prevention ideas

“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 ■ […]

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?

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

Ways to Create Income in Retirement  --  Income Allocation vs Asset Allocation  --  Phases of Retirement Spending  --  Creating a Spending Plan: Essentials vs Extras  --  How to Create Your Own Pension  --  Coordinating Taxes and Spending

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?

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?

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?