Rejuvenate Your Retirement ^TM

Escalating government debt, coming inflation, record number of foreclosures, austerity affecting social programs, high unemployment, countries and municipalities defaulting, future tax increases, political uncertainty, and market volatility all represent today's numerous threats to having a retirement of security and freedom. More than ever, having strategic knowledge to care for our retirements is a must.

Whether you are just beginning to develop a retirement plan, rapidly approaching retirement, or already retired, the knowledge offered in this course opens the best opportunities for you to have financial success. You will learn how to define long-term goals and complete the class with practical knowledge you can act with immediately.

This course includes a 143-page textbook. Couples may attend together for a single registration fee. Class sizes are limited so registrations capped.

In 2010, over 18,000 participants paid tuition to attend this non-credit course though Adult & Continuing Education programs throughout the U.S.

Course Location and Dates:

$35 to register, spouses may share book at no additional fee. Please call 407-288-8033 or email the instructor to request a course syllabus and registration information.

Course Outline:

Life Planning for Retirement

• Traditional vs. new retirement
• New retirement opportunities
• Values and objectives in nine areas of life
• The retirement planning process

Retirement Needs & Expenses

• Early retirement trends
• How long must your money last?
• Inflation, prices and purchasing power
• Real rate of return
• Retirement expectations
• How much will you need to retire?
• Can you retire today?

Retirement Roadblocks & Mistakes

• Ten retirement planning mistakes
• Financial and cash-flow statements
• Credit and debt
• Taxes and marginal tax rates
• Eleven strategies to save money on taxes
• Taxable investments
• Capital gains income tax exclusion
• Investments with tax advantages

Retirement Income Sources

• Traditional IRAs
• Roth IRAs
• IRA to Roth IRA conversions
• Other retirement income sources
• Social Security eligibility and benefits
• Employment income and Social Security
• Employer-sponsored defined benefit plans
• Employer-sponsored defined contribution plans

Retirement Plan Distributions

• Retiring or changing jobs?
• Defined benefit and contribution plans
• Three important considerations
• Lump sum vs. IRA transfer vs. annuity payments
• Rollovers, direct rollovers and transfers
• Annuity income and choices
• Pension maximization
• Early retirement considerations
• Minimum required distributions

Investments

• The costs of investing
• Choosing fund managers
• Investment philosophies and strategies
• Building efficient global portfolios
• Measuring, identifying, and controling risk
• Optimizing risk / return relationships

Risk Management & Asset Protection

• Disability income insurance
• Health insurance and Medicare
• Long-term care and insurance
• Comparing life insurance

Estate Planning

• Planning for incapacity
• Taxes
• A will may not be enough
• Probate
• Gifting assets
• Joint ownership of property
• Direct transfer assets
• Benefits of trusts
• Types of trusts

Please visit our Investment Advisor Videos, Financial Harvest TV!

Winter Park FL based Financial Harvest is a full service independent certified retirement & financial planning, investment advisory, and wealth management firm serving clients throughout Central Florida and the nation. Our financial services help investors in, but not limited to, Orlando, South Orlando, Winter Park, Maitland, Lake Mary, Heathrow, Windemere, Bay Hill, Tampa, Ocala, the Villages & Jacksonville.

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