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. In this course you’ll learn how to: manage investment risks, use new tax laws to your advantage, make informed decisions about your company retirement plan, and adjust your estate plan to function properly under the new laws.

However, money is only one aspect of retirement planning. This course blends financial education with life planning to help you build wealth, align your money with your values, and achieve your retirement lifestyle goals.

This course includes a 225-page illustrated textbook. Couples may attend together for a single registration fee. Class sizes are limited so register today.

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:

Section 1 – Life Planning for Retirement

Every person has a different vision for their retirement years. You may want to travel, pursue hobbies, or dedicate yourself to volunteer efforts or part-time work. However, to turn your vision for retirement into a reality, you need to have clear goals. Our Retirement Planning Today course begins with a series of brief, individual exercises designed to get you started thinking about how you envision your retirement lifestyle. We understand that you see your retirement years in a different way than previous generations, which has changed the entire retirement planning process. To help you reach your retirement goals, we embrace a more progressive approach to retirement planning in this course. 

Section 2 – Retirement Needs and Expenses

Do you know how much money you’ll really need to sustain your desired retirement lifestyle? While data from the Employee Benefit Research Institute indicates that 66% of workers are very or somewhat confident they will have enough money to live comfortably through their retirement, less than 40% had actually tried to calculate how money they’ll really need!
The second section of our course features exercises designed to help you determine how much money you will need to fund your lifestyle both today and in retirement. We’ll also examine whether your retirement expectations are sustainable based on your future projected income.

Section 3 – Retirement Roadblocks and Mistakes

Do you know the 10 biggest retirement planning traps and how to avoid them? In this section, we’ll discuss common retirement roadblocks, as well as identifying 11 strategies you can use to save money on your taxes. We’ll even help you spot hidden fees and expenses that can eat into your ability to save.

Section 4 – Retirement Income Sources

There are so many ways to save and invest for retirement that it can be hard to know which approach is best for your needs. In this section, we’ll discuss the advantages and disadvantages of a variety of retirement saving vehicles. We’ll address concerns such as whether you should convert your traditional IRA to a Roth IRA, how to make decisions regarding your employer-sponsored retirement plan, and how to manage Social Security benefits. 

Section 5 – Retirement Plan Distributions

Once you retire, you’ll need to make a number of crucial―and often irreversible―decisions about how to use the funds in your retirement plans. In this section, we’ll look at different strategies you can use to withdraw money from your retirement plans while maintaining financial flexibility. We’ll also discuss strategies you can use to minimize taxes on your income in retirement, as well as the rules covering early withdrawals from retirement funds.

Section 6 – Investments

In this in-depth section, we’ll discuss cash accounts, stocks, bonds, mutual funds, unit investment trusts, individually managed accounts and tax-deferred annuities. We’ll also cover important factors to consider before you invest and spotlight five strategies you can use to manage investment risks.

Section 7 – Risk Management and Asset Protection

Risk management and asset protection should be part of any comprehensive retirement plan. In this section of the course, we’ll look at strategies designed to protect you from a large financial loss during retirement. You’ll learn about specific questions you need to ask before buying insurance, and also how to analyze the many aspects of long-term health care, including the chances you will require long-term care, how much such care may cost, whether you should buy long-term care insurance, and alternatives to purchasing coverage. In addition, we’ll discuss the many different types of life insurance and how to select a policy that fits with the needs of you and your family.

Section 8 – Estate Planning 

Estate planning involves making a number of personal decisions that affect you, your family and your loved ones. In addition, recent tax law changes have further complicated estate planning. In this section of the course, we discuss approaches you can take to plan for the future.

We’ll highlight strategies and techniques you can use to minimize or eliminate income, gift and estate taxes, expenses, delays, legal challenges and a shortage of liquid assets after your death. In addition, we’ll address the best strategy for holding joint ownership of property (or other assets) based on your specific situation.

Get Answers to Your Retirement Questions!

How will changes to tax laws affect you?
How much money will you need in retirement?
Should you convert your traditional IRA to a Roth IRA?
What is the best approach to generating retirement income?
Are your retirement plan expenses and fees too high?
What is the maximum sustainable income your portfolio can generate?
Are you doing all you legally can to minimize your taxes?
Are there ways you can convert growth real estate to maximize retirement income?
How much of your estate will be lost to taxes when you die?

Knowledge is power! Register today!