Crafting Your Perfect Retirement Journey with Expert Guidance

Crafting Your Perfect Retirement Journey with Expert Guidance

A Comprehensive Retirement Plan Needs To Cover

1. Social Security Decisions
  • Overview
  • Deciding When to Claim Social Security Retirement Benefits
  • Age When Benefits Begin
  • Questions to Consider: Factors Affecting the Claiming Decision
  • Break-Even Analysis
  • Summary
2. Retirement Plan Distribution Options
  • Overview
  • Defined Benefit Plans
  • Questions to Consider: Annuity, Lump Sum, or Combination?
  • Defined Contribution Plans
  • Choosing an Option: Questions to Ask
  • Summary
3. Using Life Insurance for Retirement Funds
  • Overview
  • Source of Income: Tapping Cash Value
  • Withdrawals and Policy Loans
  • Questions to Consider: Policy Loans and Withdrawals
  • Life Settlements
  • Summary
4. Annuities for Retirement Income
  • Overview
  • Annuities
  • Options for Receiving Annuity Income
  • Questions to Consider: Choosing an Annuitization Option
  • Other Options for Obtaining Annuity Income
  • Questions to Consider: Purchasing Annuities to Provide Lifetime Income
  • Summary
5. Required Minimum Distributions and QLACs
  • Overview
  • Background: The RMD Rule
  • RMDs and QLACs
  • QLAC Requirements
  • Contract Limitations
  • Questions to Consider: Purchasing DIAs and QLACs
  • Summary
6. Medicare Planning
  • Overview
  • Options and Decisions
  • Different Parts of Medicare
  • Choosing Original Medicare or Medicare Advantage
  • Questions to Consider: Original Medicare vs. Medicare Advantage
  • Making the Decision
  • The Part B Decision
  • The Part D Decision
  • Questions to Consider: Choosing a Part D Plan
  • Medigap
  • Questions to Consider: Choosing a Medigap Plan
  • When Should Clients Purchase Medigap Plans?
  • Changing Medicare Coverage
  • Questions to Consider: Changing the Decision
  • Summary
7. Planning for Long-Term Care
  • Overview
  • Overview of Long-Term Care
  • Paying for LTC
  • Long-Term Care Insurance Policies
  • Long-Term Care Partnership Programs
  • Questions to Consider: Purchasing LTC Insurance
  • Alternatives to Long-Term Care Insurance
  • Questions to Consider: Planning for Long-Term Care
  • Summary
8. IRMAA
Today a crucial component of retirement planning is a comprehensive IRMAA assessment which may completely change your retirement plan, both in terms of which assets are optimal. which accounts you need to have and how your taxes and social security will be impacted by IRMAA. It also means that you should have a retirement plan by age 60 so that you can be properly prepared.

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  • In addition to comprehensive Retirement coverage, there are a range of further issues that can arise in retirement where guidance and experience can also make a great deal of difference.

  • How to prepare for engagement with Social Security and Medicare and ensuring your tax planning is well-prepared can make a significant difference.