What Is RetirementSMART?

A 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

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
  • 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
  • Course fee 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
  • Teachers: Mr. David Loesser CFP, Dr. Michael Sullivan, Certified Investment Management Analyst, Kevin Yorgensen Advisor
  • Will my retirement years outlast my money?
  • How much is “enough”?
  • Can you retire sooner than you expected?
  • How do you create a Business Plan for Life & Retirement?
  • Social Security: When to take it and how to increase it?
  • How to select the best Medicare plan for you?
  • Establishing retirement goals and expectations
  • Pitfalls of under or over investing before and after retirement
  • Managing risk
  • Estate Planning: taxes, expenses and why not to leave assets equally to your children
  • Integrating cash flow, investment positioning, tax planning and estate preservation

  • 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 Instructors


David established The Estate Planners Group in 2001, and he serves as the President of the company. He is a veteran of the financial services industry and has over twenty years of experience in executive management positions. Recognized as one of America’s Top Financial Planners, David has demonstrated expertise in building proprietary approaches in the essential areas of portfolio construction and management.

Fox Business Channel, CNBC, and Fox 29 News are among some of those who have interviewed David for his financial insights and perspective.  He has been quoted online and in various magazines such as: USA Today.com,  Financial Advisor Magazine, The New York Times.com, Bloomberg’s Businessweek.com, The Wall Street Journal (WSJ.com), The Chicago Sun Times.com, Aol News, Yahoo! News, Forbes.com, MSN Money, Boston.com (The Boston Globe), Investors.com (Investor’s Business Daily), Reuters.com, and others. 

David has a bachelor’s degree from The College of New Jersey, and has four Master’s degrees. David graduated from Carnegie Mellon’s Tepper School of Business, HEC Lausanne University (Switzerland), and The Swiss Finance Institute with an Executive MBA in Asset and Wealth Management in 2013. He holds the Certified Financial PlannerTM designation from The American College and also the Yale CPWA® professional certification.

David is married and lives in Ft. Myers FL and Yardley PA. He has three grown sons and six wonderful grandchildren.

Dr. Michael Sullivan

Dr. Michael Sullivan has held executive positions in both non-profit and for profit organizations for more than thirty years. He is skilled at helping individuals and organizations meet their strategic goals. After leaving the non-profit sector Michael began his financial services career with Prudential Financial in 1996 as a Financial Advisor. He has served as Vice President of Advisory Services with The Estate Planners Group since 2006.

NBC 10 (Philadelphia), Foxnews.com,and FoxBusiness.comhave featured Michael for his financial insights and perspectives. His articles have been published on Bloomberg’s Businessweek.com,and he has been quoted in various online publications including: AARP, Yahoo! Finance, and The Street.

Michael earned a Doctor of Ministry degree from Regent University in Organizational Leadership and Renewal. He also attended The Wharton School of the University of Pennsylvania where he earned the Certified Investment Management Analystsm designation. Michael is a Registered Investment Advisor Representative and is licensed with the Department of Banking and Insurance in both New Jersey and Pennsylvania.

Michael and his wife Elaine have three grown daughters and five handsome and brilliant grandsons.

Jeffrey Loesser

Jeff has been working full time for The Estate Planners Group since 2012, serving as a Financial Advisor in training under David Loesser. After attaining his Life & Health Insurance License, Jeff is in the process of attaining his Series 65 securities license along with his Certified Financial Planner certification through New York University.

Before working with EPG, Jeff worked as a Youth Director at the Ocean City Tabernacle, in Ocean City, NJ. Jeff studied at Eastern University, graduating in 2009 with a double major in Business Management and Youth Ministry, along with a minor in Biblical Studies.

Jeff and his wife Kelly married in 2011 and currently reside in Yardley, PA.

Kevin Yorgensen

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.

Kevin and his wife, Siobhan, currently reside in Fort Collins, CO.

  • The materials given were wonderful. It’s nice to be able to read info over and over

    – Laurie

    Fort Collins, CO

  • Great insight and expertise. Easy to follow and understand. I highly recommend the course!

    – Cynthia

    Langhorne, PA

  • Not a sales pitch. Discussed options that were available to consider in retirement

    – Allen

    Naples, FL

  • Take the course it makes you aware of what you need to do for a safe retirement

    – Jean

    Newtown, PA

  • Course is of super value and will pay huge dividends.

    – John

    Ft. Myers, FL