Retirement Planning Virtual Events

Medicare covers less than many people expect, and the cost of care can put a real dent in the savings you worked to build. Stewart shows where the gaps are and the ways people plan for them. 

Who it's for: People planning ahead for long-term care costs. 

This strategy is generally available to people ages 50 to 80. If you’re outside it, the training is still worth watching. 

What you'll learn:

• What long-term care can cost 
• What Medicare and Medicaid generally cover 
• One option some people use to help pay for care 

Host:  Stewart Smith, LUTCF®, RICP® 

Length: About 30 minutes. Watch on any device.

Sign up for the virtual event 

Thinking about moving money from a 401(k) or IRA to a Roth? Stewart and Mitch walk through five things to think through first, including your tax bracket and how a conversion could affect your Medicare premiums. 

Who it's for: People with pre-tax accounts (e.g. 401K) weighing the value of a Roth conversion. 

What you’ll learn:

• Your tax bracket: whether paying tax now could put you in a lower bracket later
• Extra costs: how a conversion may raise your Medicare premiums or shrink your senior tax deduction
• Your other income: why interest, dividends and capital gains count, and why one year isn’t enough to judge it

Host:  Stewart Smith, LUTCF®, RICP® 

Length: About 25 minutes. Watch on any device.

Know what to check before you convert...Reserve My Seat  

Annuities have a bad reputation, and some of it is deserved. Stewart and Mitch show how the different types work, step by step, and which ones might make sense as safe money. 

Who it’s for: People who want some of their retirement savings set aside as safe money and aren’t sure if an annuity belongs in the plan.

What you’ll learn:

• Why annuities got a bad name: what went wrong with variable annuities, including the fees and the risk of loss
• How the other types work: a step-by-step review of annuities that might make sense as safe money
• How the market and an index annuity compare: a simplified, hypothetical look back at a rough stretch for stocks, from 2000 to 2013

Hosts: Stewart Smith, LUTCF®, RICP®, with Mitch Davies, CFP®

Length: About 35 minutes. Watch on any device.

Know what’s fact and what’s fiction...Reserve My Seat