Retirement Course The Citadel | Runey & Associates Wealth Management

RETIREMENT COURSE DETAIL

WE TEACH OUR RETIREMENT COURSE AT THE CITADEL

NEW CLASS OFFERING

New Retirement Course dates will be posted as soon as they are available. Check back often!

We have been teaching this course on retirement finances for several years at various locations throughout the South Carolina Lowcountry, including The Citadel, and 100’s of people in your community have attended. Please continue reading below for full course details.

IN THIS 2 HOUR COURSE YOU’LL LEARN:

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

Maximize your Social Security benefits

Ensure your estate plan is in order

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

CHAPTER 1 – 3

1. BUILDING YOUR PERSONAL FINANCIAL STATEMENTS

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

2. INVESTMENTS – UNDERSTAND YOUR PORTFOLIO

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

Use Roth conversions to save on taxes and increase your net worth

3. REAL LIFE RISK – TO YOUR PORTFOLIO & GOALS

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

Longer than anticipated life expectancy

CHAPTER 4 – 6

4. PORTFOLIO RISK MANAGEMENT TECHNIQUES

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

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

5. INSURANCE – ANNUITIES, MEDICAL COSTS, LONG-TERM CARE

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

Plan for Long-Term Care expenses

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

FAQs for

Retirement Course at The Citadel

Is this Retirement 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 this unique 2-hour class, you will receive:

WORKBOOK – The class includes a 150-page digital 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?

The cost of the class is $39 and advanced registration is required. Upon registration, you may also bring your spouse or a guest at no additional charge.

How do I register?

Click here to register online or:

Call Linda Runey at: (843) 654-1211 or e-mail at: lruney@raawealth.com to register in person.

ONLINE REGISTRATION