Retirement Planning Today

TWO-DAY ADULT EDUCATION CLASSES

This class is offered through the adult education programs of local institutions such as San Diego State University, Cuyamaca College, Mira Costa College and others to support a mission of providing access to public adult education. This two session adult education class is designed for people who are retired or preparing for retirement within ten years. This course presents a detailed introduction to the many interrelated factors that must be considered to plan your most successful financial retirement within the complexities of today’s world. If you want to achieve the peace of mind that comes with a better understanding of prudent financial planning and investing for retirement, this course is for you. The fee for this course includes a 230 page workbook. The course fee may vary by institution or location. Expanded course descriptions are available below by scrolling over the section titles.

Click on any scheduled class for registration information:

Classes at Southwestern CC are $49 per couple. Classes at either Mira Costa location are $60 per couple. To sign-up for either USD class, please contact Pure Financial directly at the phone number below:

For further information or to sign-up directly, please contact

Joe Anderson
3131 Camino Del Rio North
Suite 1550
San Diego, CA 92108
619.814.4100


These classes have also been scheduled:




Course Topics

Section 1 – Life Planning for Retirement

What do you want to accomplish during your retirement years? Travel? Volunteer or work part-time? Pursue hobbies? To financially navigate your retirement, you need a clear idea of your retirement and lifestyle goals. This course begins with quick, individual exercises to help you begin thinking about non-financial retirement objectives. Today, many retirees see themselves living their retirement years in a much different way than their parents did. As a result, the entire planning process has changed. This more progressive approach is explored throughout this course.

Section 2 – Retirement Needs and Expenses

What are your retirement expectations? According to the Employee Benefit Research Institute, 66% of workers are very or somewhat confident they will have enough money to “live comfortably” throughout retirement. However, only 37% had actually tried to calculate how much money they will need last!

This course contains exercises to help you determine how much money you will need to fund your lifestyle both now and in the future. If you are feeling anxious about retirement, we examine whether you can sustain your retirement expectations based on your future projected income needs.

Section 3 – Retirement Roadblocks and Mistakes

In this section, we identify the ten biggest retirement planning traps and how to avoid them. The highlight of this section is eleven strategies for saving money on this year’s taxes. Plus, how you can identify hidden fees and expenses that waste your savings.

Section 4 – Retirement Income Sources

This section investigates the many ways to invest for retirement and discusses the advantages and disadvantages of each. You learn whether you should convert your IRA to a Roth IRA, and if so, whether it is to your advantage to make the conversion over one or multiple years. Finally, we look at employer-sponsored retirement plans and Social Security benefits to examine important choices you must make.

Section 5 – Retirement Plan Distributions

This expanded section addresses the crucial decisions people must make about their retirement plans during retirement. In most cases, these decisions cannot be reversed. We discuss strategies that allow you to take money out of your retirement plans while maintaining financial flexibility during retirement. Above all, we compare retirement plan distribution choices to help you make an informed decision.

You also learn strategies to minimize taxes on your retirement income and avoid tax penalties of up to 50%. Finally, we explain rules for early access to your retirement funds even if you are under 59 ½.

Section 6 – Investments

In the most extensive section of this course, you learn about cash accounts, stocks, bonds, mutual funds, unit investment trusts, individually managed accounts, tax-deferred annuities and important considerations before you invest. The highlight of this section is 5 strategies for managing investment risks.

Section 7 – Risk Management and Asset Protection

This section addresses strategies designed to protect you from a large financial loss during retirement. You learn what questions to ask before buying insurance coverage. We investigate many aspects of long-term health care including: the chances you will need it, how much it can cost, who should purchase insurance and alternatives to purchasing coverage. We also compare the different types of life insurance and discuss how to select coverage so you and your family can make an informed decision.

Section 8 – Estate Planning

Estate planning isn’t just about money and includes much more than planning for your death. It involves personal decisions that affect you, your family and loved ones even while you are still living. As a result of recent tax law changes, estate planning is a moving target. We discuss how to plan for today and for your future.

You learn strategies and techniques to minimize or eliminate income, gift and estate taxes, expenses, delays, legal challenges and a shortage of liquid assets following your death. We also address the best way to hold joint ownership of property (or other assets) based on your situation.


Need Answers? Educate Yourself Now!

How will the new tax laws affect you?
How much money do you need to retire?
Is a Roth IRA conversion right for you?
What is your best retirement income choice?
Could high fees and expenses hurt your plan?
How much income can your portfolio sustain?
Are you paying your lowest legal taxes?
How do you convert growth real estate to maximize future retirement income?
How much of your estate will the IRS get?

Knowledge is power! Register today!