Retirement U Workshop in Germantown, TN

1900 South Germantown Road,Germantown TN 38138

09 August, 2021

Description

Join us for an educational seminar at the Great Hall & Conference Center WHY THIS CLASS MATTERS Many of the retirement strategies utilized by our parents have grown outdated and may no longer have application for those looking to retire today. This class compares and contrasts the old retirement paradigms of yesteryear and the new paradigms of today. Attendees will discover how to insulate themselves from the risks of rising taxes, Social Security taxation, and how to avoid common mistakes that increase the chances or running out of money as you distribute your assets in retirement. BALANCED FINANCIAL INFORMATION This course is designed to give each attendee a comprehensive and Plain-English financial education, while also exposing various pitfalls and risks that threaten to derail many retirees today. This event is purely educational – no specific products or services will be offered. “RETIREMENT REDZONE” RETIRING TODAY • The old retirement vs. TODAY’S retirement • How to create a clear vision for retirement that could lead to less stress and more happiness. IMPORTANT TOPICS FOR RETIREMENT TODAY TAX RATE RISK • Why experts say tax rates could double • How rising taxes may affect your retirement cash flow • The “Catch 22” of 401k’s and IRA’s • How lost deductions may affect your taxes in retirement RETIREMENT INCOME PLANNING • The three basic retirement accounts • How to accumulate dollars in the right types of accounts for future retirement income • What’s better for you: tax-deferred or tax-free accounts? • How to define a “true” tax-free investment • When should you convert to a Roth? • How IRA’s and 401k’s cause Social Security taxation • Strategies to reduce or eliminate taxes in retirement MAXIMIZING SOCIAL SECURITY • The causes of Social Security taxation • The Social Security thresholds you need to be aware of • The real cost of Social Security taxation • Strategies to eliminate Social Security taxation • Social Security maximization strategies RETIREMENT DISTRIBUTION PITFALLS • How the new rules on “Rate of Withdrawal” affect People Nearing Retirement • How to ensure you won’t run out of money in retirement • How to liquidate retirement assets in the right order • How to eliminate “sequence of returns” risk WHY LOSSES DURING RETIREMENT MATTER • The impact of dramatic market loss in retirement • Is “buy and hold” appropriate in retirement? • How to safeguard against two types of investment risk • How to shield your assets from stock market volatility • Why “asset allocation” alone may not be enough • How to truly diversify your retirement portfolio Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and JML Financial, LLC (John M. Little IV) are independent of each other. “My mission, is to help people sleep better so they can enjoy retirement no matter what that looks like to them. There is no need to worry about retirement with the tools and strategies we have available today if properly applied. The client always wins with their interest put first.” John Little IV has been in the financial services industry for over 29 years. During much of that time he has seen consumers led to believe in a system that has been largely controlled by giant firms that have their own interest first, using investments that benefit their own propitiatory interest. When clients ask the hard questions about true risk they are even more confused or sidelined by advisor lingo that could land Academy award. “Very few people get the chance for do-overs nearing or in retirement. So, let’s be clear, do it right in fiduciary accountability, based on the clients needs and interest first.” The one thing I see the most that really concerns me is the risk people are taking, many times funds or stocks that lost 25% to 50% in years earlier. If history repeats, this will spell disaster for many that sacrificed years to accumulate in their nest eggs. The challenge was to find a better way and the major issue John faced was reducing risk for his clients. “ I wanted to help my clients protect, enjoy and extend their retirement savings. The goal was to secure a way to be offensive in the good times, while being defensive in the bad times and provide sound financial solutions focused on low/moderately conservative risk, volatility with the greatest probability of long term success.” John is a Fiduciary Financial Advisor currently helping clients in seven states, instructor and mentor. He has been happily married for over 17 years and has three children.