Retirement SMArt Colorado State University

A Multi-Session Course For Adults Preparing For & Navigating Through Retirement

What will you learn from this course?

How to plan for Retirement
Create realistic Retirement goals
How to make smart decisions about Retirement based upon the tools and insight provided in the class
How to optimize your retirement income, reduce taxes, position investments to meet your needs, make informed choices regarding Social Security and Medicare as well as practical and cost effective estate planning strategies to leave a lasting legacy
Topics include: Retirement income, Social Security claiming strategies, choosing the right Medicare Plan, managing Investment Risk, Tax Planning, Life and LTC ideas, Trusts and Legal documents for seniors

Details about the course sessions

Classroom style setting (comfortable seating, desk and screen)
Educational, not a sales pitch
A place to learn, prepare and actively participate
Course fee (Individual $69 or Couple $89) includes a work book with course notes, worksheets, illustrations and a glossary for reference
The work book will help you follow along and will serve as a useful resource after the course is complete (bring your laptop, tablet or notepad to take additional notes)
The course consists of four sessions
Instructor: Mr. Kevin Yorgensen, CERTIFIED FINANCIAL PLANNER®

Education is Key

Retirement can be difficult but education is key

Information abounds today but information and advice is not the same as education. Knowing where to turn is very important. The Retirement Smart course cuts through the fog of information and bad advice to provide a clear path as you plan for and live through retirement. The course will equip you to take charge of your retirement future by giving participants the tools and insights to make informed wise decisions. You will learn how to optimize your retirement income, reduce taxes, position investments to meet your needs, make informed choices regarding Social Security and Medicare as well as practical and cost effective estate planning strategies to leave a lasting legacy. In this course we will address the current state of the economy and the stock market. Regardless of the current economic scenario we will help you hold on to principles that last and eliminate the fears that retirement can generate.

There are no “one size fits all” solutions.

There are steps to take before and after retirement that will help you enter and exit your retirement years with confidence and dignity. This class will discuss the myriad of investment products available including “what to avoid -to-“what to look for.” You will receive practical education and real life insights to equip you in planning for and living out a more secure and fulfilling retirement future. The Retirement Smart Course is for adults who are serious about taking charge of their retirement

Advance registration is required. Class sizes are limited so register today!

Who Should Attend

Retirement involves things we can and cannot control. Learn to make the most of what you can control and minimize the impact of what is out of your control.

The Retirement Smart course moves beyond basic concepts such as the differences between Roth and Traditional IRAs. This course is designed to provide practical, real life help for adults who are preparing for or already navigating through retirement. It is designed for those who want to take charge of their retirement and manage the effectiveness of their estates.

Whether you are an entrepreneur, recently single due to death or divorce, newly retired or not planning to retire for decades this course will provide practical and actionable insights. You will learn to identify and prioritize your retirement goals and how to integrate your values and wealth. You will learn how to protect and grow the wealth you have built. Take a fresh look at whether your investments really match your appetite for risk.

Many Americans live two to three decades or longer in retirement. Most envision being active and productive as they age. However many do not have a plan that matches their retirement vision. Retirement Smart addresses practical planning issues for pre-retirees and strategies to assist the already retired to maximize their retirement years.

Retirement Smart will guide participants in creating realistic retirement goals and also provide practical insights for reaching those goals. Topics include maximizing Social Security, how to choose a Medicare plan, managing risk, tax planning verses tax preparation, “on purpose investing” and more. The focus is practical and focused on what participants can control regarding their futures.

OBJECTIVE EDUCATION

Unlike financial seminars that focus on a single topic, this multi-session course focuses on education that will help participants see the big picture and integrate key elements into a workable plan. Goals, budgets, cash flow, taxes, investments, risk management, legal and health issues all must be considered in retirement planning. Too often each of those areas is treated separately, as if one had no impact on the next. This practical course will show how to combine the puzzle pieces to create a bright retirement picture to enjoy for years to come.

Course outline

What’s really important
Writing your future in advance
The road to recovery
Setting and staying the course

When and how to apply
Medigap or Advantage Plan
Costs, changes and choices

The building blocks
The right stuff
The pitfalls of under and over investing
Investment alternatives…beyond “Me Too”

Avoiding tax catastrophes
Protecting and preserving
Essential documents
Trusts, Wills and Probate
Why not to divide your estate equally between your children
Ending estate settlement battles before they start
Case Study

When to take it
How to maximize it
What to watch out for

When and how to apply
Medigap or Advantage Plan
Costs, changes and choices

Retirement tax savings strategies
Tax filing vs. Tax planning
Tax advantaged investments

The importance of understanding what you can and cannot control
The “B word” and why it’s not so bad
Freeing up money to spend in retirement
Putting in the big rocks first
Creating a retirement paycheck
Filling in the gaps

Meet Your Host and Instructor

KEVIN YORGENSEN

Financial Planner at The Estate Planners Group

Kevin held executive positions at large financial services firms during his 35+ year career in Information Technology. He last served as Chief Information Officer (CIO) at Prudential Annuities prior to beginning his second retirement in 2016. Other endeavors over the years included starting a small business, running his own consulting services business and serving as an adjunct professor at the University of Hartford. Again growing restless in early retirement and seeking to leverage the strong strategic planning and client facing skills developed throughout his previous career, Kevin joined EPG at the beginning of 2019.

Kevin earned his Bachelor of Science in Business Administration and his Master of Business Administration (MBA) degrees from the University of Hartford, a Master’s Certificate in Project Management from George Washington University and an Insurance Executive Development Program Certificate from the Wharton School at the University of Pennsylvania. Additionally, he holds the CERTIFIED FINANCIAL PLANNER® certification.

Kevin and his wife, Siobhan, currently reside in Timnath, CO and enjoy spending time outside with their daughter, son-in-law and grandson.