We help you secure your future retirees’ retirement.

Retirement plan designs have evolved rapidly with the shift from a defined benefit to a defined contribution world. Future retirees now assume the risk of a secure retirement. However, the typical workplace education program that should help them make informed decisions in today’s retirement environment hasn’t kept up.

We are the leading independent designer and provider of retirement education programs in live and on-demand webinar formats for consumers and advisers. We make today’s top speakers and must-know topics accessible thru a desktop computer, tablet, phone or in a your conference room.

How does our Retirement Smart series work?

We will help you implement the Retirement Smart series with your employees or clients, and make it easy for you to reach those in different locations, shifts, and time zones cost-effectively.

Group learning sessions can be scheduled as lunch-n-learns or access provided to watch with spouses or significant others after work hours or as a group in your office.

  • Register and name your group upon checkout.
  • Choose the number of individuals you’d like to provide access.
  • You will receive an email providing user login credentials.
  • Upload or manually enter the contact information of users, or can send an access code for self-registration.
  • We will coach you on ways to make the series available to users. Programs can be accessed in a group learning format (with a facilitator’s guide) or by self-study. You schedule group sessions and promote the time(s) to users.
  • Users receive access a PDF of slides and an Action Plan for capturing next steps whether they take a course in group or on-demand self-study formats.
  • A short learning assessment is available to check for understanding.
  • Users who complete the series in group or online formats receive a Certificate of Completion to provide advisers or employee benefits departments.


Our webinars help them PLAN for retirement.

Webinar #1: How do I successfully transition to retirement?

What if your biggest retirement threat is not inflation, health care costs, or running out of money? While these are important, each one pales in comparison to running out of family, friends, good health, and retirement happiness. It is important to prepare for your new everyday life by re-envisioning retirement in terms of your overall wellness so you can be happy, healthy, and more connected.

Three things you need to know:
1. How to make retirement a time of life that is truly meaningful.
2. How to replace your work identity, re-invent yourself, strengthen relationships and stay connected.
3. How to develop wellness habits for your body, mind, and spirit to avoid the dark side of retirement.

[embedyt] https://www.youtube.com/watch?v=7t4k8q9G8g8&width=300&height=169[/embedyt]


Our webinars help you PROTECT their retirement from risks.

Webinar #2: When should I take Social Security?

Over 10,000 baby boomers will claim their Social Security each day for the next twenty years. There are ways to substantially increase your lifetime benefits, yet Social Security Agents are not allowed in provide you advice. Deciding when and how to claim Social Security benefits is one of the most important financial decisions that you will ever make and one of the best ways to help you manage longevity risk (living longer than expected). 

Three things you need to know:
1. Why is when you claim Social Security such an important decision?
2. How your Social Security benefits are calculated and how you can increase them for your lifetime.
3. Strategies for singles, spouses, and widows.

[embedyt] https://www.youtube.com/watch?v=MGV-4q-D_m0&width=300&height=169[/embedyt]


Webinar #3: What do I need to know about Medicare and healthcare in retirement?

Planning for healthcare is an important component of your retirement plan. Medicare is not designed to cover all your healthcare costs starting at age 65. In addition, custodial and long-term care costs are not covered by Medicare and can have a substantial impact on your quality of life and financial plan. It is important to be aware of potential solutions designed specifically to create tax-efficient income for your out-of-pocket retirement healthcare and custodial care needs.

Three things you need to know:
1. Understand what Medicare, Medigap, Medicare Advantage and prescription drug plans cover.
2. What to expect for routine retirement health care costs, including a description of health and wealth considerations.
3. How Roth IRAs, Roth 401(k)s, and health savings accounts can be utilized for tax-efficient payment of retirement healthcare.

[embedyt] https://www.youtube.com/watch?v=b29SZzZf4dM&width=300&height=169[/embedyt]


Webinar #4: How can a Health Savings Account (HSA) help me pay for medical and long-term care premiums and expenses in retirement?

We underestimate how much of our retirement income will be spent on health care costs. Health savings accounts (HSAs) are well suited to fill this void by offering superior tax efficiency today coupled with the flexibility to meet a retiree’s changing needs as they age. Although not every American can have an HSA, this savings account option is increasingly available to workers as part of their employer-sponsored benefits package or for self-employed individuals with high deductible health plans.

Three things you need to know:
1. Learn about HSAs and how they compare to other tax-deferred savings programs.
2. Understand how HSAs can be invested and how to maximize savings via HSAs.
3. Understand how HSAs can help with your retiree health care costs.

[embedyt] https://www.youtube.com/watch?v=bu_hsWGiCb0&width=300&height=169[/embedyt]


Webinar #5: How can I protect myself and my family from elder financial fraud?

Elder financial abuse is a growing problem. As retiring boomers become part of this population the problem is expected to increase dramatically. It is critical for you to understand the steps you can take to protect yourself or loved ones from financial abuse.

Three things you need to know:
1. Nine steps you should take to protect yourself.
2. The importance of holding family meetings to make your financial and caregiving wishes known.
3. What to include in a “Lifefolio” of important financial information.


[embedyt] https://www.youtube.com/watch?v=HRfOlDGpJOc&width=300&height=169&iv_load_policy=3[/embedyt]


Our webinars help you PROVIDE retirement income that lasts their lifetime.

Webinar #6: What should I do if I need more retirement income?

With longer life expectancies, rising health care costs, and fluctuating retirement savings values, establishing a consistent level of income is a challenge. It is important to understand the risks you face in retirement so you can make informed decisions about when to retire and how to take income from your pension, defined contribution plans, IRAs and other personal retirement savings. In this session, you will learn ways to help you close the gap between your expected income and expenses.

Three things you need to know:
1. The key risks of retirement to protect against.
2. Options for closing your retirement income gap.
3. How to create a retirement income plan that reduces the chance of running out of money.

[embedyt] https://www.youtube.com/watch?v=TuWQp1PF2Jg&width=300&height=169[/embedyt]


Webinar #7: How should I invest my retirement savings to/thru retirement?

Many people believe that upon retirement you should invest in only “safe” investments. However, there are other types of retirement risks besides protecting your savings from volatility in the stock market, such as living longer than your savings (longevity), inflation, sequence of returns (the effect of when investment losses are experienced early in retirement), etc. It is also important to choose investments appropriate for go-go, slow-go and no-go phases of retirement and for leaving a legacy if that is a goal.

Three things you need to know:
1. How to avoid investing risks in retirement by immunizing income you need for fixed expenses.
2. Discover the tools available today to help you immunize your retirement income.
3. Learn a simple approach to help your savings last in retirement with less risk.

[embedyt] https://www.youtube.com/watch?v=-MQH-8AH_Ew&width=300&height=169&cc_load_policy=1[/embedyt]


Webinar #8: How might a home equity reverse mortgage help my retirement savings last longer?

Home equity is the largest asset that most middle-income retirees have after the value of their Social Security and pension benefits. In a time when lifetime income sources such as pensions and Social Security benefits are declining, accessing home equity will become more important as people live longer and face increasing health care costs. Reverse mortgages offer a way to tap home equity for retirees to address these needs and stay in their home. Because of key changes made in the last several years to the Home Equity Conversion Mortgage program by the Federal Housing Administration, the safety and functionality of accessing home equity now go beyond supplementing retirement income.

Three things you need to know:
1. How a reverse mortgage does not leave debt to children, does not require monthly payments, is not taxable, and protects the homeowner with strong federal regulation.
2. How establishing a line of credit that keeps pace with inflation can provide the funds for a long-term care event, the effects of which fall so heavily on women.
3. Examples of how a reverse mortgage can be used to secure your retirement.

[embedyt] https://www.youtube.com/watch?v=yTSD_MXIFIo&t=105s&width=300&height=169[/embedyt]


Webinar #9: How do I make withdrawals from my retirement savings to minimize taxes and increase how long my money lasts?

Conventional wisdom says a retiree should draw funds from all taxable savings, then tax-deferred, then tax-exempt Roth accounts until each type of savings is gone. However, there are ways you can coordinate your Social Security with how you take distributions from your retirement savings that can add many years to how long your money lasts. Learn a strategy that coordinates when you start Social Security with tax-efficient withdrawals from your savings and make your money last longer.

Three things you need to know:
1. The limitations of the conventional wisdom for drawing down savings for retirement income.
2. Why it is important to follow a retirement savings withdrawal strategy.
3. How to coordinate when you claim Social Security with a tax-efficient withdrawal strategy to increase the longevity of your assets.

[embedyt] https://www.youtube.com/watch?v=eMGUrH5hREs&width=300&height=169[/embedyt]



Webinar #10: How do I plan for and communicate my intentions for future medical events?

As we age there are life transitions, and complex health and financial issues that we must navigate. Often overlooked is advance care planning – or defining, communicating and documenting healthcare wishes. It is important that we communicate personal, emotional and spiritual needs, along with medical and legal wishes, to your loved ones.

Three things you need to know:
1. Who you want to make health care decisions for you when you can’t make them yourself, and the kind of medical treatment you want or don’t want.
2. How you want people to treat you, how comfortable you want to be, and what you want your loved ones to know if you become seriously ill.
3. A cost-effective tool created with the help of the American Bar Association and health care experts that does not require legal help to complete, is approved for use in over 40 states, and used by over 30 million people worldwide.

[embedyt] https://www.youtube.com/watch?v=GMss5Yk2E_k&t=8s&width=300&height=169[/embedyt]


What employees and clients say about our courses

“Provided multiple areas to think about for retirement. Made me see the need to visit with a planner or adviser now versus waiting.”

“Provided things to think about that I had not previously considered.”

“Helpful with showing how inflation and healthcare will affect our retirement savings/spending.”

“This showed me where I need to be for retirement.”

“I wish I would have learned this sooner.”

“Explained very well so the average person could understand. I learned so much!”

“The information was presented in a way I could understand and use once in retirement.”

“No one should consider retirement without this information.”


Need more information about Retirement Smart
for employees or clients?

Contact us for pricing or to discuss your desired outcomes by submitting this form or calling 847-686-0440 ext. 102.