Ready for retirement? Discover how to maximize your income with smart planning. This engaging class covers essential Social Security and Medicare strategies to help you retire confidently and make benefits work for you. Social Security Topics Discussed: 5 factors to consider when deciding to apply for benefits When it makes sense to delay benefits and when it does not How to estimate your benefits Innovative strategies for coordinating benefits with your spouse How to minimize taxes on Social Security Benefits How to coordinate Social Security with your other forms of retirement benefits Medicare Topics Discussed: How Medicare enrollment periods work – and what you need to do to avoid late-enrollment penalties How much you can expect to pay in healthcare costs after going onto Medicare How Medicare works with private insurance to provide comprehensive coverage Why most people pay too much for private insurance and how you can avoid excess costs Why you must plan for higher healthcare costs in retirement – including the possibility of needing long-term care

Planning for retirement? Learn how to replace your paycheck with multiple income sources, explore key financial considerations and discover strategies to make your money last through every stage of retirement. Topics Discussed: Why you need a retirement income plan 6 questions to ask before you retire How to determine how much income you will need in retirement The 4 primary sources of retirement income 4 popular withdrawal strategies and the pros and cons of each How retirement income is taxed 5 tax planning strategies in retirement A retirement income action plan

Manage retirement taxes by strategically timing and sequencing withdrawals from various income sources, applying tax rules efficiently to minimize rates, protect savings and maximize returns for long term financial security. In this class, you will learn: The critical tax question you must answer BEFORE retirement The surprises that often make retirement more expensive What the Social Security “tax trap” is and how you can avoid it Why tapping assets in the wrong order can trigger higher Medicare premiums Why you need to manage taxes even before you retire The four stages of retirement and important tax actions in each stage, including tricky IRA challenges Mistakes to avoid when it comes to your investment portfolio, health care, and estate

Widowed, divorced and never-married individuals must decide when and how to claim Social Security and enroll in Medicare, as understanding options can greatly affect retirement income and healthcare costs overall. Social Security Topics Discussed: 5 factors to consider when deciding to apply for benefits. When it makes sense to delay benefits and when it does not. How to estimate your benefits. How to minimize taxes on Social Security Benefits. How to coordinate Social Security with your other forms of retirement benefits. Medicare Topics Discussed: How Medicare enrollment periods work – and what you need to do to avoid late-enrollment penalties. How much you can expect to pay in healthcare costs after going onto Medicare. How Medicare works with private insurance to provide comprehensive coverage. Why most people pay too much for private insurance and how you can avoid excess costs. Why you must plan for higher healthcare costs in retirement – including the possibility of needing long-term care.