Income Planning and Retirement Planning in A Low Interest Rate Environment

23701 Moulton Parkway,Laguna Hills CA 92653

09 December, 2021

Description

Join us for a complimentary meal and educational seminar December 7th and 9th at 12:30PM. 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. TOPICS TO BE COVERED INCLUDE How to avoid the #1 fear for retirees: Running Out of Money.What is the SECURE Act of 2020 and how could it effect your retirement?The impact of fees, taxes and penalties on your retirement income and what you can do about it.The 6 questions every successful retirement plan needs to answer.How to turn retirement accounts into paychecks for life.How to limit or avoid huge market losses without sacrificing competitive return rates.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 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 portfolioInvestment Advisory Services offered through Claraphi Advisory Network, LLC (“Claraphi”), an SEC-registered investment adviser. Investment Advisory Services offered through Advisors On Call, LLC, a California registered investment adviser. Claraphi and Advisors On Call are not affiliated. FOUNDER, WEALTH MANAGER As a veteran of the financial services industry with 23 years of experience as a financial advisor, Greg Ramirez is a registered investment adviser representative with Claraphi, and also a fiduciary. He started his career as a bank investment advisor before moving on to manage a large and successful credit union investment program. After becoming an independent financial planner, Greg founded Advisors On Call, LLC, in 2013 with the objective of providing his clients with a full range of wealth planning and management services through a network of collaborative professionals.