APG Workshop Series

RETIREMENT & ESTATE PLANNING WORKSHOPs

You Worked Long Hours for Many Years!

Aren’t You Entitled to a Successful Retirement?

Whether you’re still working and need to develop or improve your retirement plan, or you’re already retired but want to protect and optimize your financial situation, we invite you to join us for a FREE comprehensive education on Retirement, Estate and Portfolio Protection Planning where we will teach you, in Layman’s terms, the following information that we feel is critical to help secure your financial future: 
 

THE TIME TO PLAN IS NOW!
EDUCATION IS THE KEY TO SUCCESS!!

At this workshop we will teach you what we believe is essential information, techniques and strategies you will want to know in order to effectively prepare for and thrive throughout your retirement years. Leave your wallet, purse and checkbooks at home as there isabsolutely No Cost and No Commitment required to attend these sessions and No Selling will take place. As part of your participation you will simply be offered a No-Cost, No-Obligation private consultation with a retirement planning professional at a later time. That will be your choice, no-pressure!

SAVVY SOCIAL SECURITY PLANNING

1/17, 1/24, 2/6, 2/15, 2/21•  7-9 pm

Will Social Security be there for me?  How much can I expect to receive?  When should I apply for Social Security?  How can I maximize my benefits?  Will Social Security be enough to live on in retirement?  After being told for years that Social Security is "going broke," baby boomers are realizing that it will soon be their turn to collect.  This informative seminar covers the basics of Social Security and reveals strategies for maximizing your benefits.  You will learn the five factors to consider in deciding when to apply for benefits; innovative strategies for coordinating benefits with your spouse; how to coordinate benefits with other sources of income; how to minimize taxes on Social Security benefits; special rules on benefits for divorced spouses and survivors; and more.  The decisions you make now can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime.

SAVVY MEDICARE PLANNING

1/18, 1/25, 2/7, 2/22•  7-9 pm

Like Social Security, Medicare is far more complicated than most people realize. Yet new retirees are largely unprepared to deal with this mandatory health care program, especially if they've been automatically covered by health insurance at work. The biggest shocker is that Medicare is not automatic; you have to sign up for it within a specified period of time. And it is not free; there are monthly premiums, deductibles, and copayments. And it does not cover everything.  Supplemental insurance is essential, but choosing the right policy is no easy task. And even then, long-term care expenses are not covered. Regardless of how healthy you are now, you must prepare for serious medical costs in retirement. This is one of the most critical aspects of retirement planning, because all it takes is one unexpected, large medical expense to decimate a client's assets and derail a financial plan.  (Interestingly, the healthiest people with the longest life expectancies end up spending the most on health care and are the ones most likely to need costly long-term care.) Here are some results from a recent survey of pre-retirees:

• More than half of pre-retirees find Medicare confusing, or completely baffling
• Two in three can't identify what part of Medicare covers hospital care
• Three in four don't know what part covers doctor visits
• Less than 1 in 10 understand the benefits of part C/Medicare Advantage

EXAMINING ESTATE PLANNING & ESTATE TAXATION

TBD

Do you know what components make up a comprehensive Estate Plan and all the reasons you should have one?  In this session we teach you how to optimize your estate plan to reduce or eliminate the effects of Federal and State death taxes so you can pass on the maximum possible to your heirs.  Do you know why and how it might be beneficial to avoid Probate, the pros and cons of Wills vs. Trusts, and which one might be best for you?  Do you know how By-Pass, Legacy, Q-TIP, Living and Irrevocable trusts can be used and combined to prevent unnecessarily costly and time consuming problems for your heirs?  Learn what income taxes will be due on your IRA’s when you’re gone and how your heirs can legally defer paying some of these taxes if they choose.  Do you know what roles life insurance can play in estate planning?  Will your estate transfer quickly and issue-free to your heirs?  We will answer all these questions and explain, in simple terms, the proper methods of effective estate planning.  No matter how large or small your estate, if you want to make certain your plan is complete, optimized and hassle-free for your family, this session will teach you how.

LABORING OVER LONG TERM CARE INSURANCE

TBD

To have, or not to have Long-Term Care Insurance, that is the question.  Do you know the three common misconceptions of Long-Term Care and the ramifications of making the wrong assumptions about who, how and where care will be provided for you as you age?  We will study the facts and figures regarding the likelihood of needing Long-Term Care and the cost of coverage in our area.  Do you know who does and doesn’t pay the cost of Long-Term Care and what, if anything, to expect from Medicare, Medicaid and private health insurance?  We fully examine the financial consequences and family impacts of not having a plan in place to address Long-Term Care.  You will learn how to determine if Long-Term Care insurance is right for you, what specifically these policies cover, and how to effectively evaluate policy features and cost factors.  We’ll also explore several alternatives to traditional Long-Term Care insurance that may be more beneficial to you.  Failure to prepare for Long-Term Care is the leading cause of impoverishment among the elderly.  Attend this session to learn how to protect yourself and your family.

MAXIMIZING RETIREMENT INCOME & PROTECTING YOUR MONEY

  1/26, 2/8, 2/23  7-9 pm

What’s more essential to retirement happiness than financial security?  Here we’ll teach you how to create a comprehensive retirement plan that can turn your savings into a consistent, reliable income stream when you retire – one you can never outlive.  We’ll show you how you can position your portfolio so your income has the potential to go up based on growth in the stock market, but never go down when the markets fall.  We’ll teach you what role today’s advanced, modern annuities can play and the pros & cons of using them.  For those that simply want to protect what you have and maximize what you leave to your heirs, we show you innovative strategies to accomplish these goals as well.  Whether you’re planning for a future retirement or are seeking to optimize your existing retirement, you owe it to yourself to know how these specific financial strategies and techniques work, and how the Trinity Method of Investing^© can be applied to help ensure a successful retirement.  If your retirement financial goals include maximizing income for life, safety of principal, growth, liquidity, tax-advantages, and control of your money, don’t miss this session!!

- While we strongly encourage you to attend all three days to get the maximum possible benefit, you are welcome to attend only the sessions you desire. We also highly recommend attending with your spouse or any others with whom you consult on important planning matters. And feel free to bring your friends!

* A Variable Annuity is a long-term investment vehicle designed specifically for retirement. While they are subject to market risk and fluctuation in account value, they may also offer several optional protection features not found in other investment vehicles.

** Guarantee is based on the claims paying ability of the insurance company.