Retirement Course Content and Details

We have been teaching this 2-day course on retirement finances for several years at various locations throughout the South Carolina Low Country, including both The Citadel and University of South Carolina Beaufort, and 100's of people in your community have attended. Please continue reading below for full course details. 

If you would like to register or have questions regarding the course, please contact Linda Runey at (843) 654-1211 or

Keys to Exceptional Retirement: a 2-Day Course presented by:

In this 2-day course you will learn to:

  • Protect investments against market volatility,

  • Manage the finances if your spouse is unable,

  • Figure out the cost to maintain your lifestyle throughout retirement,

  • Determine the proper portfolio withdrawal rate for you,

  • Calculate RMD (Required Minimum Distributions) and assess Roth Conversions,

  • Ensure your estate plan is in order,

  • Prepare for rising health care costs & evaluate long-term care expenses,


Runey & Associates Wealth Management Keys to Exceptional Retirement Class
Citadel_Business_Horizontal_Navy 2019.png


Open book 2.png


There is no way to plan for where you want to go if you do not know where you are. To create a strategy for your future, the foundation must start with the ability to build your own personal financial statements.

  • Build a balance sheet,

  • Create a cash flow statement, and

  • Find out how much you are really spending.

Open book 2.png


Investment success depends on not only knowing the basics of your portfolio, but also the behavior behind your own financial decisions. Contrary to popular belief, you are not completely at the mercy of the markets!

  • Understand ETF's and Mutual Funds, and which is better,

  • Know the rules for Required Minimum Distributions (RMD's),

  • Avoid tax mistakes that cause many retirees to lose money to Uncle Sam, and

  • Use inherited IRAs and Roth IRAs to pass wealth on to your heirs.

Open book 2.png


The closer you get to retirement, and especially during retirement, the  more crucial making the right decisions becomes, as you are left with less and less time to recover from mistakes or personal hardships. Learn how to prepare for any of the following:

  • Long-term health events,

  • Loss of a spouse's pension or social security income,

  • Failing financial markets, and

  • Longer than anticipated life expectancy.


Open book 2.png


In a world where the trend is for most professionals and academics to talk about smart betas, dynamic hedging and complicated algorithms, you will learn how critical it is to keep your approach simple and consistent. Develop a philosophy to:

  • Minimize the odds of suffering irreversible losses,

  • Maximize the chances of achieving your goals, and

  • Control the self-defeating behavior that keeps most investors from reaching their full potential.

Open book 2.png


We will cover how annuities work, from the simplest form to the most complex. You will learn how to evaluate your Medicare and health insurance options. Also, you will be able to determine if Long-Term Care insurance is appropriate for your circumstances.

  • Understand annuity contracts,

  • Know how Medicare works and how much it may cost, and

  • Plan for Long-Term Care expenses.

Open book 2.png

6. ESTATE PLANNING                                                              

Everybody needs estate planning, as it is not just for you, but also for the loved ones you leave behind. You will learn to keep your assets out of the government's hands and direct as much as possible to your family, friends, or charity. Finally, proper legal planning in health care matters can help you ensure the decision-making process is as straightforward as possible for anyone who must make medical decisions for you. We will cover:

  • Wills,

  • Trusts - Do you really need one?,

  • Medical decision-making, and

  • Powers of attorney.

Is this Course for Me?

You have spent a lifetime building wealth. Now you are at a critical point as you get ready to pursue your dreams outside of your working career. This is a time when making the wrong decisions could undo a lifetime of diligent savings. For many, if they do not change their current course, they could lose much of their wealth -- wealth that took decades to build.

The information presented in this course is not easy to come by. It is designed for those who are:

  • Retired, nearing retirement, or beginning to develop a retirement plan; AND

  • Seeking financial knowledge to gain peace of mind for their future.

What will I receive?

In addition to two unique 2-hour classes, you will receive:

  • WORKBOOK - The class includes a 150-page workbook, which provides practical examples and user-friendly templates that allow you to apply the knowledge you gain in the classroom as real-life solutions.

  • PRIVATE MEETING - After the course, you may arrange to meet privately with your instructors. This meeting is optional and offered free of charge. It is your opportunity to see if we can help you eliminate the financial concerns in your life.

What is the Cost?

Tuition is $49, and advanced registration is required, so that we will be sure to have enough workbooks for all attendees. Your spouse or a guest may attend with you at no additional charge. Tuition includes one workbook.

How do I Register? 

OR                 Call Linda Runey at: (843) 654-1211 or e-mail at:                to register in person.