Income in Retirement

12000 Alumni Drive,Jacksonville FL 32224

02 December, 2021

Description

There is NO CHARGE for this class and All Attendees will receive free resources to keep as a reference. There is NO CHARGE for this class and All Attendees will receive free resources to keep as a reference. You don't want to miss this important event! WHY THIS CLASS MATTERS Many of the retirement strategies utilized by our parents have grown outdated and may no longer have application for those looking to retire today.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 Foundations Investment Advisors LLC, an SEC-registered investment adviser. This message and any attachments contain information which may be confidential and/or privileged and is intended for use only by the addressee(s) named on this transmission. If you are not the intended recipient, or the employee or agent responsible for delivering the message to the intended recipient, you are notified that any review, copying, distribution or use of this transmission is strictly prohibited. If you have received this transmission in error, please notify the sender immediately and destroy all copies of this message. In compliance with IRS regulations, any tax advice contained or attached to this communication was not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any matters addressed in this communication. PRESIDENT AND CEOFINANCIAL CONSULTANT An active financial consultant as well as founder of Liberty Advisory Group, Peter Laliberte has spent his entire career--more than 25 years--in financial services. Peter has served in the public and private sector as a chief financial officer in the past, including the American Red Cross where is still an active volunteer, but he has been a self-employed entrepreneur since 1996. Peter draws on all of his professional as well as personal experiences to help his company’s clients.  “I have spent the last eight years of my life focusing solely on income planning for retirees and pre-retirees. The world changed after 9/11, and again after the recession of 2008. I focus on financial security and safety for my clients, because none of us can afford to lose any money ever again,” says Peter. “I watched what happened to my parents who didn’t have a plan in place, and that’s why I am in this business—to make sure it never happens to anyone else.” Laliberte holds a master’s degree in business and education from Cambridge College, but in his opinion, he never stops learning. “We are always trying to get better at what we do. For instance, I am part of a mentoring group, acting as both mentor and mentee, where we meet often, sharing ideas and concepts with the goal of continually learning to be better at what we do.”  He is also a licensed insurance agent giving him the ability to use retirement tools, such as the Bucket Plan®, holistic planning and a host of other tools that are specifically designed for your retirement needs. Most importantly to him, Peter has been married to the love of his life Tonie since 1995. Peter and Tonie, who is also a financial consultant, have three children: Spencer, Kurtis, and Blake. The family has lived in Ponte Vedra Beach for 20 years and they are all active members of Christ Episcopal Church. They enjoy many beach activities and deep sea fishing together. Peter says, “Our shared mission is to make a positive difference in the lives of everyone we meet. We operate under the 5 “F’s” rule: Family, Faith, Finance, Fitness, and Fun. If you have your 5 “F’s” in order you’ve got it made!”