Retirement is one of the most important life events clients and individuals will experience, and getting it right takes careful and astute planning in today’s volatile and uncertain world. The process to properly build a retirement portfolio and generate a sustainable income that lasts for life and provides a legacy for families is complicated and laden with potential errors. From choosing the right investment products and types of accounts to adequately funding and accounting for inflation, taxes, health care costs, and various risks, millions of Americans are at risk of running out of money in retirement. The financial services industry spends a lot of time and money promoting products, but not many focus on providing complete and total solutions. 

Learning Objectives:

• Determine how to use tools to correctly identify funding requirements and calculate a sustainable retirement income based on a client’s resources


• Identify the greatest threat to retirement security and how to address it to motivate action


• Determine the different risks that may be especially problematic to retirees


• Identify tax strategies to optimize retirement, including withdrawal strategies based on different tax structured accounts


• List unique circumstances, such as working in retirement, business liquidations, managing variable cash flow, debt in retirement, losing a spouse, long-term care risks, and more