A financial education class for people ages 45 to 65.
Learn strategies and concepts that may help you plan for a comfortable retirement.
Location:
Venue: Houston Community College, West Loop South Campus
Address: 5601 West Loop South, Houston, Texas, 77081, United States
Class Dates & Times:
Tuesday, January 23rd, 6:30pm – 9:00pm
Tuesday, January 30th, 6:30pm – 9:00pm
Tuesday, February 6th, 6:30pm – 9:00pm
[ESPRESSO_TICKET_SELECTOR event_id=1617]
Includes 224-page, financial planning workbook and 3 evenings of class instruction
During this class, these topics will be addressed:
- Diversifying your investments.
- Using 401(k)s and IRAs to potentially reduce current income taxes and help save for retirement.
- Potentially controlling your health care costs.
- Determining how much money you’ll need to retire.
- Finding out whether you are carrying more insurance coverage than you need.
- Potentially reducing your estate taxes.
- Understanding sound investment strategies and alternatives.
- Transferring your estate to the loved ones and charities of your choice.
Comprehensive Financial Education
Did you know?
“The average annual cost of a private room in a nursing home is about $92,400 or $250 per day — with many facilities in large cities now costing more than $100,000 a year.”
– Cost of Care Survey 2016, Genworth Financial, Inc.
Hear Retirement Planning Strategies
Financial Strategies for Successful Retirement focuses on how you may prepare for a comfortable retirement. This three part course introduces you to concepts and strategies that may help you handle your day-to-day finances, potentially reduce your taxes, and manage your investments. What’s more, it will discuss how you can assess your current financial situation and develop a personalized plan that may help you pursue your retirement goals.
Financial Strategies for Successful Retirement focuses on important financial issues and concerns you may face today and in the future. Proper planning may help you prepare for a comfortable retirement.
“The concepts and strategies discussed in this course could help you make choices today that may help determine how well you live in retirement.”
Who Should Enroll
This course may be for you if you are nearing retirement, already retired, or beginning to develop a retirement plan and are interested in hearing concepts and strategies that may help you make the appropriate choices when confronted by questions about investment alternatives, insurance coverage, increasing health care costs, tax reduction methods, and proper disposition of your estate at death. Retirement planning is for everyone and it is never too late to begin.
Teaching Format
The Financial Strategies for Successful Retirement presentation is clear, easy to understand, and enjoyable. The presenter uses up-to-date teaching aids that include a color-illustrated workbook, practical exercises, and examples.
The course presents information both visually and verbally to help you learn and remember the material covered. The material is presented in a relaxed, friendly environment where your questions and active participation are always welcome.
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Financial Strategies Course Agenda
Financial Basics
- Retirement income: Perception and reality
- Nine reasons people fail financially in retirement
- Using credit wisely
- Making compounding work for you
- Inflation
- Your income taxes
- Your investments and taxes
- Impact of income taxes and inflation
- Earning real rate of return
- Making your money last
Your Retirement Income
- Sources of retirement income
- Social Security and you
- The value of tax-deferred contributions
- Personal retirement plans
- Traditional IRAs
- Roth IRAs
- Employer retirement plans
- Taking money out of employer retirement plans
- Required minimum distribution/ withdrawal rules
- Choosing your retirement plan beneficiary
- Retirement checklist
Investments
- Emergency reserves
- Traditional cash reserves
- Debt and equity investments
- Bonds
- Stocks
- Stock market fluctuations
- Obtaining professional management
- Mutual funds
- Mutual funds for retirement income
- Tax-deferred annuities
- Variable life insurance policies
- Asset allocation
Risk Management
- Ways to potentially help manage risk
- Health insurance and Medicare
- Disability income insurance
- Long-term care
- Paying for long-term care
- Long-term care insurance
- Changing life insurance needs
- Types of life insurance
- Pension maximization using life insurance
- Survivorship life
Estate Planning
- Importance of estate planning
- Planning for incapacity
- Distributing assets at your death
- Direct transfer assets
- Joint ownership
- Trusts
- Probate
- Your will
- Taxes and your estate
- Federal unified gift and estate tax rates
- Providing money for estate transfer costs
Optional Retirement Planning Consultation
- Everyone who attends this course is entitled to a personal retirement planning consultation after the course.
Did you know?
“Although 69% of workers expect to work for pay in retirement, only 25% of today’s retirees report that they have actually worked during retirement.”
– 2013 Retirement Confidence Survey, Employee Benefit Research Institute
Mutual funds, ETFs, variable annuities, and variable life insurance are sold by prospectus. Please read the prospectus and consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the mutual fund, variable annuity contract, or variable life insurance policy and the underlying investment options, can be obtained from your financial professional.
There is no assurance provided that the financial concepts and strategies discussed will provide investment success. Investments are subject to market fluctuation, risk, and potential loss of principal. Actual results depend on many factors as discussed in the seminar. Past performance is no guarantee of future success.
What You Will Get from This Class:
Did you know?
Although you typically must be age 59-1⁄2 to receive retirement plan distributions without penalty (whether you continue to work or not), in some situations you
may be able to get full access to your money in a company plan such as a 401(k) if you retire as early as 55.
– Internal Revenue Service, 2017
Seminar Workbook
You will receive a 222-page, color-illustrated workbook that is designed to help you apply and retain the information discussed. The workbook contains many exercises and examples, including investment performance graphs, tax charts, and interest calculators that may help you understand the financial concepts being presented. The Financial Strategies for Successful Retirement workbook includes information on money, investing, and finance. You will be able to use the workbook as a reference tool for years to come.
Personal Financial Fact Finder
The personal financial fact finder may help you move toward a comfortable retirement by showing you where you stand today. This worksheet enables you to summarize how much income, savings, and debt you currently have. Once you complete the fact finder, you can use this information to develop a personalized plan that may help you pursue your retirement goals.
The information you receive is objective and factual, without any references to specific financial products.
Optional Retirement Planning Consultation
After the last class session, you will have the opportunity to meet privately with your presenter. During this meeting, you can ask specific questions regarding your financial goals. Together, you and your presenter can develop strategies designed to help you pursue your retirement objectives.
Objective, Factual Information
Unlike many free, one- to two-hour workshops that promote specific financial products, Financial Strategies for Successful Retirement is completely educational. The information you receive is objective and factual, without any references to specific financial products. This seminar introduces concepts and strategies that may help you make informed financial decisions. However, if you want to discuss specific financial products and services, you may do so during the optional retirement planning consultation.
Seven Common Financial Mistakes:
1. Not saving enough for retirement
Employees who participate in a 401(k) plan contribute an average of just under 7% of their salaries.1 More than half of all workers have saved less than $25,000, and 14% have saved $250,000 or more.2 Only about one in four are very confident that they are doing a good job of preparing for retirement.3
2. Putting off financial planning
Procrastination is one of the main reasons why people fail financially! The longer you put off creating a financial plan to reach your goals, the more likely you are to fail. Even a few years’ delay could potentially cost you hundreds of thousands of dollars when you retire.
3. Not choosing the appropriate mix of investments
If you put your money into the wrong combination of investments, you could lose out on gains or suffer unnecessary losses. Asset allocation determines approximately 90% of the return on your investments.
4. Avoiding estate planning
Without an estate plan, your estate could be tied up in costly probate litigation, decimated by income and estate tax liabilities, and passed on to unwanted parties. Even worse, your family could suffer severe financial consequences.
5. Not knowing how much money you’ll need to retire
One of the keys to a comfortable retirement is knowing how much money you will need to retire. Yet 52% of working Americans are unaware of how much retirement savings they’ll require.4 If you’re part of this unprepared group, you could be setting yourself up for financial failure.
6. Missing out on tax reduction strategies
Many of the 440 tax law changes enacted in 2001 were permanently extended by the American Taxpayer Relief Act of 2012. Some of them could help you invest more money and potentially reduce your taxes. If you ignore these changes, you could pay far more taxes than you need to
7. Paying costly retirement plan fees and penalties
The rules and regulations covering withdrawals from retirement plans can be complicated and confusing. There are penalties and fees for withdrawing money too early or too late, as well as penalties for withdrawing too little or too much money. Some of these penalties can be as high as 50%!
This three part course may help you address these common and potentially costly financial mistakes.
Did you know?
“Only 21% of pre-retirees surveyed felt ‘very confident’ that they’ll have enough money to live comfortably during retirement.”
– 2016 Retirement Confidence Survey, Employee Benefit Research Institute
1 FoxBusiness.com, January 15, 2017 (2015 data)
2–4 2016 Retirement Confidence Survey, Employee Benefit Research Institute
Courses Have Been Offered Through:
Did you know?
This course and other financial education classes developed by this seminar publisher have been sponsored by over 1,800 corporations, 1,200 organizations and 1,800 educational institutions across the United States. Over 4 million people have attended.
Educational Institutions
Bowling Green State University, Bowling Green, OH
California State University, Chico, CA
Central Michigan University, Mount Pleasant, MI
Cerritos College, Norwalk, CA
Collin College, Plano, TX
Colorado State University, Fort Collins, CO
Harding University, Searcy, AR
Houston Community College, Houston, TX
Indiana University/Purdue University, Fort Wayne, IN
Kent State University, Canton, OH
Lakeland Community College, Kirtland, OH
Notre Dame College, South Euclid, OH
Oregon State University, Corvallis, OR
Penn State University, Altoona, PA
Pennsylvania College of Technology, Williamsport, PA
Spalding University, Louisville, KY
University of West Georgia, Carrollton, GA
Texas State Technical College, Harlingen, TX
University of Arkansas, Fayetteville, AR
University of Tampa, Tampa, FL
Western Oregon University, Salem, OR
Yakima Valley Community College, Yakima, WA
Corporations
Bayer Corporation, Pittsburgh, PA
Borden, Inc., East Syracuse, NY
Dialogic, Parsippany, NJ
General Motors, Cleveland, OH
Goodyear Tire & Rubber Company, Houston, TX
Hitachi Computer Products, Santa Clara, CA
Hughes Corporation, Westchester, CA
Isuzu Motors, Whittier, CA
James River Corporation, Lexington, KY
Kaiser Permanente, Riverside, CA
Lockheed Management Association, Fort Worth, TX
Lockheed Martin, Cocoa Beach, FL
Novell, Provo, UT
Peabody Company, St. Louis, MO
Savannah Foods & Industries, Savannah, GA
Star Tribune, Minneapolis, MN
UNISYS Corporation, Mission Viejo, CA
Watlow Electric Manufacturing Co., St. Louis, MO
Organizations
AAA Missouri/S. Illinois/Ark./Kansas/St. Louis, MO
AFL-CIO Union Center Inc., Albert Lea, MN
Acton Faith Bible Church, Acton, CA
Allen County Public Library, Fort Wayne, IN
American Red Cross of Arlington County, Arlington, VA
American Lung Association, Greensboro, NC
Antelope Valley Christian Center, Lancaster, CA
Antioch Church of the Nazarene, Overland Park, KS
Boy Scouts of America, Salt Lake City, UT
Brighton Parks & Recreation, Rochester, NY
Canaan Baptist Church, St. Louis, MO
Catholic Charities, Portland, OR
Center for Arts & Technology, Phoenixville, PA
Child Abuse Council, Moline, IL
Christ United Methodist Church, Independence, MO
City of Malibu, Malibu, CA
City of Los Alamitos Recreation, Los Alamitos, CA
City of Portland, Portland, ME
City of Scottsdale Parks & Recreation, Scottsdale, AZ
Duarte Chamber of Commerce, Duarte, CA
Fraternal Order/Police Lodge 8, Virginia Beach, VA
GM Men’s Club, Warren, MI
Shell Credit Union, Houston, TX
These locations represent a partial list. Appearing on the list does not indicate an endorsement of the local instructor or the advisory services provided to the instructor’s clients
This course and other financial education classes developed by this course publisher have been sponsored by over 1,800 corporations, 1,200 organizations and 1,800 educational institutions across the United States. Over 4 million people have attended.
*Emerald Connect LLC
Easy Registration Instructions:
Your Instructors
This course will be taught by Mathew Goff, Founder & Chief Investment Officer of the Goff Financial Group, which is a fee-only Registered Investment Advisor, and Scott Robertson, CPA, of Briggs & Veselka, which is one of Houston’s most established tax advisory firms. Both Mr. Goff and Mr. Robertson bring to the course many years of experience teaching and advising individuals and couples on how to optimize their personal finances. Mr. Goff has over 20 years of experience helping individuals and couples plan for retirement and extensive experience managing investment portfolios. In addition to being an active member of the National Association of Personal Financial Advisors (NAPFA), Mr. Goff is rated as a Five Star Wealth Advisor as seen in Texas Monthly Magazine. Mr. Robertson has more than 16 years of experience advising individuals and couples on personal income tax issues including Trust, Estate, and Gift taxation. Mr. Robertson serves on the Board of the Houston Estate and Financial Forum and is also an active member of the Houston CPA Society, AICPA, and TSCPA.
The course instructors do not receive any fees or commissions from any financial products and no financial products are offered or sold. Past investment performance is no guarantee of future results. The course materials presented are from sources the presenters believe to be reliable. The views and opinions expressed are subject to change without notice and should not be considered tax or legal advice.
Location:
Venue: Houston Community College, West Loop South Campus
Address: 5601 West Loop South, Houston, Texas, 77081, United States
Class Dates & Times:
Tuesday, January 23rd, 6:30pm – 9:00pm
Tuesday, January 30th, 6:30pm – 9:00pm
Tuesday, February 6th, 6:30pm – 9:00pm
[ESPRESSO_TICKET_SELECTOR event_id=1617]
Includes 224-page, financial planning workbook and 3 evenings of class instruction
