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
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
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.
The Course
- 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
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 Instructors
DAVID LOESSER
CFPTM™, President
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
CIMA®
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
Financial Advisor
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
MBA, Investment Advisor
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.
