June 8, 2022


In-Person

Hilton Garden Inn - Orange Beach
23092 Perdido Beach Blvd, Orange Beach, Baldwin County, Alabama 36561-3000


4 Total CPE Credits

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Securing a Comfortable Retirement

  • Instructor

    Michael Frost

Learning Objectives

  • Help clients determine how much retirement income is necessary for the desired retirement lifestyle
  • Identify resources available for retirement
  • Understand how to build the three-legged retirement stool: employer retirement, savings, and Social Security
  • Develop Plan B when the ideal retirement goal is not achievable
  • Explain ways that clients can convert the equity in a home to retirement income
  • Explain how the value of a small business can be converted to retirement income
  • Explain survival possibilities and how first-to-die and last-to-die survival probabilities are used in retirement planning for married couples
  • Understand timing regarding the use of taxable retirement funds and nontaxable funds, and strategies to minimize income tax on Social Security
  • Recognize the role of various investment types, such as life insurance, annuities, mutual funds, equity holdings, and bonds in retirement planning
  • Summarize key points of recent research on the sustainability of retirement income and maintenance of de sired retirement lifestyles

Major Topics

  • Retirement planning using variables such as desired lifestyle, travel plans, housing plans, medical needs, and family needs to customize a retirement plan unique to the client
  • Using the residence and other real estate as retirement assets through equity and rent
  • Using the small business as a retirement resource through creative retirement plans, non-qualified deferred compensation, and converting the value of the business through sales within the family or to an outside party
  • An overview of portfolio management for retirees, including: sustainable portfolio withdrawal rates; balancing investments between income and equity, and taxable and nontaxable; and asset liquidation and distribution timing to minimize the tax impact of retirement distributions and maximize cash flow from retirement vehicles and Social Security
  • Developing a three-legged retirement stool of employer retirement, savings, and Social Security, and timing the use of the legs of the stool to maximize after tax retirement benefits
  • Analysis of the most current/important research on retirement planning and sustaining retirement income levels and lifestyles and the impact of the most recent tax laws, regulations, and rulings

CPE Credits Available

4
Total CPE
4
Taxes

Hilton Garden Inn - Orange Beach

23092 Perdido Beach Blvd, Orange Beach, Baldwin County, Alabama 36561-3000

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Things to Know About This Course

Course Level

  • Intermediate

Intended Audience

CPAs looking to advise clients on retirement planning, and CPAs looking for effective strategies for their own retirement

Provider

SURGENT

This event has ended.