RETIREMENT COURSE DETAIL

WE TEACH OUR RETIREMENT COURSE AT THE CITADEL

NEW CLASS OFFERING

We are holding our Keys to Exceptional Retirement Courses at The Tommy & Victoria Baker School of Business at The Citadel again! Upcoming dates:

  • Tuesday September 21 at 6:30 pm OR
  • Thursday September 23 at 6:30 pm

Register Here: https://citadelkeys.eventbrite.com

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

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Retirement Course at The Citadel

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