Estate Planning and Your Retirement

Learn how to protect your retirement assets, to avoid probate hassles, and how to maximize your retirement at our in-person workshops in Idaho and Utah.

Workshop Topics & Content

Estate Planning and Your Retirement!

  • The two biggest concerns in retirement –
    • Outliving your Income!
    • The Rising cost of Healthcare
  • The Eroding Power of Inflation
  • The Secure Act
    • Taxing Social Security
    • Expanding RMD timing
  • Depression Economics –

Federal Deposit Ins. Corp (FDIC)

    • Reserve Requirements
    • Solvency and Protection
    • Theories vs. Practices
    • Is our money really protected?

Securities and Exchange Commission (SEC)

    • Does the market work?
    • Where are we now?

 

    • Bond Market woes!
    • Risk vs. Reward
    • The Risk Continuum
  • Guaranteed Income in Retirement (no risk)
  • Chronic Care and Long-term Care alternatives

Estate Planning

  • Will vs. Trusts
  • POA’s
  • Healthcare Directives
  • HIPPA Releases
  • How to avoid Probate
  • How to protect your assets
  • Transferring ownership to your heirs
  • Minimizing Estate Taxes
  • Maximizing your Estate

IDAHO

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UTAH

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WHAT ARE THE TWO BIGGEST
CHALLENGES IN RETIREMENT??

1) Outliving our Income!
2) The cost of Healthcare or Long-term Care!

The Building Blocks of a Solid
Retirement Plan:

The bank may not the best place to keep our long-term/retirement funds!

Safety & Liquidity

  1. Is the bank a safe place for long-term cash?
  2. Does your bank reserve more than 10% of your deposit?
  3. Do you believe you will get “all” of your Savings/CD’s money in a banking crisis?
  4. Are your bank’s savings rates above 5% currently? (2023)
  5. Is liquidity more important to you than safety in retirement?

If you answered “no” to more than one of these questions or you don’t know the answer, you can get the answers at one of our “FREE” Educational Workshops, or you can “Schedule an Appointment for a FREE Consultation!)

Guaranteed Income

  1. Do your current accounts provide guaranteed income in retirement?
  2. Are you confident you won’t outlive your income in retirement?
  3. Is the income you’ve set aside adequate to cover your chronic healthcare or nursing home expenses in retirement?
  4. Does your current retirement income increase after you retire?
  5. Do you have a plan for inflation and changes to social security?

If you answered “no” to more than one of these questions or you don’t know the answer, you can get the answers at one of our “FREE” Educational Workshops, or you can “Schedule an Appointment for a FREE Consultation!)

Without crop insurance, a farmer can be exposed to unnecessary losses!

Without crop insurance, a farmer can be exposed to unnecessary losses!

Social Security

  1. Is Social Security timing important to your Retirement Plan?
  2. Is our Social Security likely to change in 2033?
  3. Is your Social Security taxable?
  4. Will COLA (cost of living increases) be impacted in the future?
  5. Is Social Security going to factor into your retirement?

If you answered “yes” to more than one of these questions or you don’t know the answer, you can get the answers at one of our “FREE” Educational Workshops, or you can “Schedule an Appointment for a FREE Consultation!)

Risk Tolerance

  1. Are you worried about market volatility in Retirement?
  2. If you had to wait 5 years to recover your “market” losses is that an issue?
  3. Are you worried about how to get guaranteed income from your investments?
  4. Are you worried about outliving your retirement income?
  5. Is the cost of Chronic Healthcare in retirement keeping you up at night?

If you answered “yes” to more than one of these questions or you don’t know the answer, you can get the answers at one of our “FREE” Educational Workshops, or you can “Schedule an Appointment for a FREE Consultation!)

The market works, if you have the time or the resources to ride the wave!

Is this money at RISK, and how can we protect our retirement “Nest Egg”?

IRA/401(k) Ideas

  1. Does your current Retirement Plan address the possibility of higher taxes on your IRA and 401k money?
  2. Have you discussed the possible impact of the “Secure Act” on your assets and the assets you hope to pass on to your heirs?
  3. Is an Inherited IRA” a better option than a “Spousal IRA” for you?
  4. Can your children spend your IRA/401k whenever they want?
  5. If you Transfer or Rollover your IRA/401k assets, are they taxed?

If you answered “no” to more than one of these questions or you don’t know the answer, you can get the answers at one of our “FREE” Educational Workshops, or you can “Schedule an Appointment for a FREE Consultation!)

Tax Planning Strategies

  1. Do you feel like Income Taxes are going to go up in the future!
  2. Are you worried about the impact of taxes on your Retirement?
  3. Were you aware that your Social Security can be taxed?
  4. Are you concerned about taxes on your IRA and 401k?
  5. Are you nervous about how the “Secure Act” could impact your retirement?

If you answered “yes” to more than one of these questions or you don’t know the answer, you can get the answers at one of our “FREE” Educational Workshops, or you can “Schedule an Appointment for a FREE Consultation!)

Our income tax rates are at historically low rates, where are they headed?

FINANCIAL
FREEDOM
is within your reach!
Learn More

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“M3 Retirement Planning Appointment”
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Stress-Free Retirement as our FREE gift!

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