Retirement U Workshop Hosted in Elk Grove, CA

9014 Bruceville Road,Elk Grove CA 95758

24 August, 2021

Description

Class will fill up fast, seats are limited! WHY THIS CLASS MATTERS Many of the retirement strategies utilized by our parents have grown outdated and may no longer have application for those looking to retire today.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. TOPICS TO BE COVERED Common misconceptions about taxes in retirement.Understand the official new tax reform rules and their impact on your retirement.Understand the impact of the Tax Cuts and Jobs Act on retirement income streams.Identify tools and strategies available to retirees.RETIRING TODAY The old retirement vs. TODAY’S retirementHow to create a clear vision for retirement that could lead to less stress and more happiness.Understanding the keys to distributing your money in retirement.Understanding RMDs and the implications they have on your retirement.IMPORTANT TOPICS FOR RETIREMENT TODAY TAX RATE RISK How rising taxes may affect your retirement cash flow.The “Catch 22” of 401k’s and IRA’sAre employer sponsored plans better than IRAs?Is it time for the Roth conversions?RETIREMENT INCOME PLANNING How to accumulate dollars in the right types of accounts for future retirement income.Strategies on how to lengthen the life of your moneyWhen should you convert to a Roth?How IRA’s and 401k’s cause Social Security taxationMAXIMIZING SOCIAL SECURITY The causes of Social Security taxationThe Social Security thresholds you need to be aware ofThe real cost of Social Security taxationStrategies to eliminate Social Security taxationSocial Security maximization strategiesRETIREMENT DISTRIBUTION PITFALLS How to ensure you won’t run out of money in retirementHow to liquidate retirement assets in the right orderHow to eliminate “sequence of returns” riskWHY LOSSES DURING RETIREMENT MATTER The impact of dramatic market loss in retirementIs “buy and hold” appropriate in retirement?How to shield your assets from stock market volatilityWhy “asset allocation” alone may not be enoughHow to truly diversify your retirement portfolioHOW THE NEW SECURE ACT COULD IMPACT YOUR RETIREMENT: Changes to the RMD age for some!IRA Contribution Age Limit AlteredPositive Changes for Part-Time WorkersWhat's Happening to Stretch IRAs?Will We See Annuities Included More Often in Workplace Retirement Plans?FREQUENTLY ASKED QUESTIONS: Is there a cost to attend? No, there is no cost to attend. Do I need to bring anything? No, you will be provided with pen and paper to take notes. Will any investments or investment products be discussed? No there will not be any discussion of any investments whatsoever. Will I be pitched or sold anything? No, our classes are strictly educational. The most common feedback we receive is how nice it is to attend a truly educational workshop with no pressure. Advisory services offered through Foundations Investment Advisors, an SEC Registered Investment Adviser. Since 1991 Richard Breedwell has worked in the financial services industry with a focus on retirement income and investment planning. With a B.S. in finance from Golden Gate University in San Francisco, Richard has managed and owned his firm with offices in the Sacramento area since 1998, when he decided to become an independent financial planner held to the fiduciary standard. As a registered investment advisor, he is licensed to buy and sell market securities, but more than that, he specializes in holistic wealth building to help clients make better financial decisions by providing them with the tools, education materials, and allocation strategies they need. As a fiduciary held to the highest standards in the industry, he works alongside his son, Ryan, and the team at Capitol Planning Group to meet the individual needs of clients by providing unparalleled service in all the areas that can affect the outcome of your financial plan. This includes making better-informed decisions about market risk, taxes, Social Security, pension plans, 401(k) rollovers, long-term care, and legacy planning. Richard is a Dave Ramsey endorsed local financial planner as part of the Smartvestor program. When not running his company or meeting with clients in Northern California, he can be found spending time with his three kids and his wife of 31 years, Debbie Breedwell.