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FSSR - Financial Strategies for Successful Retirement®
(Pre-Retirement Planning)

Who should attend

People who are planning for retirement.

 Time commitment

Generally conducted in four 2 1/2 hour sessions, plus an optional consultation reserved for one-on-one assistance. Please consult your instructor for a course schedule.

Course description
This course introduces concepts and practices that will help you gain control of your finances and enjoy a comfortable retirement. Financial Strategies for Successful Retirement® will show you a conservative approach to wise money management and identify lifestyle issues facing retirees.

You will learn important information about how to seek more from your investments, Social Security, and retirement plans. The course will also show you how to protect your hard-earned assets from erosion due to inflation and the possible cost of long-term health care.

Your registration fee includes a colorful workbook and a Retirement Planning Data Form that will help you inventory your assets, income, Social Security, and pension benefits.

 You will learn how to:
• Use federal tax laws to your advantage.
• Decide if you can retire early.
• Properly allocate your assets to seek greater returns and manage risks.
• Determine which retirement plan distribution option is right for you.
• Determine which type of insurance will lower costs and optimize benefits.
• Protect your assets from long-term health care costs.
• Organize and transfer your estate.


Financial Basics

• Retirement Income: Perception and Reality
• How long will you be retired?
• Nine reasons people fail financially in retirement
• Setting goals
• Using credit wisely
• Controlling debt
• Making compounding work for you
• Inflation
• Your income taxes
• Your investments and taxes
• Impact of income taxes and inflation
• Earning a real rate of return
• Making your money last

Your Retirement Income

• Retirement defined
• Social Security
• Retirement plans
• Value of tax-deferred contributions
• Personal retirement plans
• Traditional IRAs
• Roth IRAs
• Employer retirement plans
• Defined benefit
• Defined contribution
• Taking money out of employer retirement plans
• Required minimum distribution / Withdrawal rules
• Choosing your beneficiary
• Retirement checklist


• Emergency reserves
• Investment choices
• Traditional cash reserves
• Debt and equity investments
• Bonds
• Stocks
• Stock Exchanges
• Reading stock tables
• Comparing market measures
• Stock market fluctuations
• Corporate distributions
• Using portfolio managers
• Obtaining professional management
• Mutual funds
• Dollar-cost averaging
• Mutual funds for retirement income
• The power of tax deferral
• Tax-deferred annuities
• Variable life insurance policies
• Asset allocation
• The best performing asset class
• Procrastination - Your greatest investment risk

Risk Management

• Ways to manage risk
• Health insurance
• Medicare
• Disability income insurance
• Long-term care
• Long-term care progression
• Paying for long-term care
• Long-term care insurance
• Changing life insurance needs
• Types of life insurance
• Term insurance
• Cash value insurance
• Pension maximization using life insurance
• Survivorship life

Estate Planning

• Importance of estate planning
• Estate planning considerations
• 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




Our Seminars Are In The Houston Area

Optional Planning Consultation

Everyone who attends this course is entitled to a personal retirement planning consultation after the conclusion of the course.