The Biggest Question is not how much money do I need? It is how much income
do I need. Then, how long will your retirement last, 25 years, 35 years or longer?
You need to transition from accumulating money to spending money. You need
an income distribution plan. A steady and reliable income stream that lasts for
both your lifetimes. But only 74% of retirees have incomes that will last just 10
years! Which means that 74% of retirees have to go back to work part-time. Why
does this happen? What are the top concerns retirees have and the four
important steps to include in your planning process. Learn how to design an
income plan with smart, prudent and creative advice. You don’t want to be full of
life and out of income! I would bring my spouse to this class.
The secrets of Smart and Successful Retirees or
How they utilize effective investment and tax planning strategies to:
1. Increase their income, so they are able to do more of the things they love
and enjoy and
2. Have it be guaranteed for life.
3. Donate more to their Congregation and favorite charities,
4. Be more tax efficient, especially if they are over age 70 ½.
5. Participate in market performance, subject to a cap, by trading some
upside potential in exchange for partial downside protection through a
buffer (e.g., 10%, 15% or 25%) over a 1, 3, or 6 year period (no explicit
cost).
6. Have better asset balance with less risk and lower their investment

expense fees and
7. Have a no charge death benefit.
These people spend more, are happier and live better.
Learn how to prudently rebalance your assets including IRA, 401k, 403b plans,
CD’s and investments and how to use the same tools that smart and successful
retirees use including: SPIA’s, RILA’s and QCD’s.