Tuesday September 12, 19, and 26, :30 PM to 9:00 PM THEN THIS EDUCATIONAL 3 DAY COURSE IS FOR YOU! Enroll now and learn how to:

Transcription

1 Big Picture Retirement Personal Financial Strategies, Inc. 626 Busse Highway Park Ridge, IL NEW for 2017 Educational Retirement 3 Day Course <Consec> ARE YOU READY FOR RETIREMENT? Tuesday September 12, 19, and 26, :30 PM to 9:00 PM Now being conducted at Des Plaines Campus 1600 East Golf Road Des Plaines, IL or - Thursday September 28, October 5, and 12, :30 PM to 9:00 PM BIG PICTURE RETIREMENT A Three DAY COURSE LOOkINg for A REsOURCE TO help EmpOWER YOU TO make better DECIsIONs? THEN THIS EDUCATIONAL 3 DAY COURSE IS FOR YOU! Enroll now and learn how to: Plan your retirement income to fit your lifestyle Apply specific strategies designed to increase Social Security Retirement Benefits in 2017 and beyond your options may be LIMITED Manage your healthcare costs Calculate how much risk your current investments are exposed to Reduce and eliminate unnecessary fees

2 WHETHER YOU ARE PREPARING FOR RETIREMENT OR CURRENTLY RETIRED, IT S NOT TOO LATE TO MAKE A DIFFERENCE HOW WILL I BENEFIT FROM THIS 3 DAY COURSE? You ve spent a lifetime putting money away for your retirement. Spend three more days with the Big Picture Retirement course to learn how to best protect and utilize your hard-earned money for your retirement. Leave the course empowered with the knowledge you ll need to navigate the challenges you may face in your retirement years. 7 KEY POINTS YOU WILL LEARN IN THE Three DAY Big Picture Retirement 1. Select appropriate retirement investments 2. Optimize your Social Security benefits 3. Identify the best long-term care strategy to fit your needs 4. Measure the true costs of your current investments and savings 5. Minimize the tax impact of your retirement accounts 6. Determine whether Roth IRA conversions make sense for you 7. Develop a plan to leave a meaningful Financial Legacy for your loved ones

3 About The Course YOUR BIG PICTURE RETIREMENT Few things are as unnerving to us as what we don t know. Avoiding the pitfalls of today s retirement landscape takes knowledge of many different areas. Topics like Social Security benefits, healthcare risks, market risks, longevity risks, fee structures, investment types, tax ramifications and a host of other subjects are covered in the Big Picture Retirement Course course. This course will teach you about your current investments as well as other available investments and how to integrate them into your retirement plan. Learn how to see the big picture of your retirement and how all of the small pieces fit together. WHO CAN BENEFIT FROM THE BIG PICTURE RETIREMENT COURSE? Couples and individuals in or nearing retirement Current or future retirees that have significant assets, but need to create income Investors looking to learn more about their current portfolios and other choices available to them Discover what retirees are doing now to PROTECT THEIR HARD EARNED DOLLARS

4 What You Will Receive THIS IS AN EDUCATIONAL COURSE Unlike other seminars, the three day Big Picture Retirement course is not product specific. You will receive objective information on a broad range of topics. This course is designed to give you a big picture of your retirement and is not dedicated to any single product. Course Textbook, Workbook, and Retirement Planning Profile Software You will receive a binder containing the information given in the course. The material in the binder follows along step by step with the presentation and includes all charts, graphs and examples. This binder is yours to keep. You will also have personalized access to professional retirement planning software to help you calculate the probability of your retirement success. Opportunity for Personal & Customized Retirement Planning You will have the opportunity to schedule a complimentary consultation to answer specific questions about your personal retirement situation. This consultation is offered to all attendees of the Big Picture Retirement course and is not mandatory. It s Easy to Enroll Today: Call and give rsvp Code (Please bring your check to the first class.) or Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Personal Financial Strategies, Inc. operates independently of Securities America. Securities America and its representatives do not offer tax advice; therefore it is important that we coordinate with your tax professionals regarding your specific situation. Legal services provided by Gregory P. Turza, J.D.

5 Course OUTLINE & TOPICS Financial Concerns Planning for 20, 25 or even 30 years of retirement Portfolio management during the spending years of retirement Measuring the impact of taxes on your retirement accounts Sequence of returns risk to your Investments and lifestyle Inflation and the need for increasing retirement income potential Investments Common terms and definitions Common retirement investing mistakes Traditional retirement investments Measuring risks vs. rewards Pre-tax vs. After-tax Stocks, bonds, mutual funds Deferred annuities, immediate annuities, fixed annuities, variable annuities Income Sources in Retirement Social Security claiming strategies Traditional and Roth IRAs Roth IRA conversions Tax-efficient retirement account income strategies Impact of working during retirement Case studies of actual client situations Healthcare Planning Medicare and how and when to apply Medicare vs. Medicaid Longevity and long-term care planning Elements of a properly designed estate plan No will versus will versus living trust planning Probate and living probate Creditor and divorce protection for your beneficiaries The current status of estate taxes Estate tax reduction techniques Learn to create a meaningful and specific Financial Legacy for your loved ones Meet Your Instructors Les Goldstein founder and president of Personal Financial Strategies, Inc. Investment Advisor Representative, MBA 34 years in the Financial Industry Former Adult Education Educator at Oakton College in Skokie Frequent Lecturer in the Chicago Public Library System and Smart Money Conferences in partnership with the Illinois State Treasurer s Office Master s Degree in Business Administration from University of Illinois at Champaign-Urbana Two Bachelor of Arts Degrees from Indiana University Les is married to Lisa and has two sons Jared and Michael. He plays and coaches basketball; loves fishing and spending quality time with family and friends. To learn more about Les Goldstein and Personal Financial Strategies, Inc., please ROBERT HART VICE PRESIDENT CFP, CLU, ChFC PERSONAL FINANCIAL STRATEGIES, INC. 32 years in the Financial Industry Bachelor s Degree in Finance from Lewis University Certified Financial Planner - CFP from The College for Financial Planning in Denver, CO. Chartered Life Underwriter - CLU from American College in Bryn Mawr, PA. Chartered Financial Consultant - ChFC from American College in Bryn Mawr, PA. Robert resides on the Northwest side of Chicago and enjoys the Chicago Museums; Navy Pier Events; bike riding along the lakefront and dining-out at the fine restaurants in the Chicagoland area. To learn more about Robert Hart and Personal Financial Strategies, Inc., please Gregory P. Turza, J.D. Attorney Over 25 years as an Estate Planning Attorney Member of the Illinois, Indiana, California State Bar Association Admitted to the United States District Court Northern District of Illinois since 1975 Author of Your Life, Your Legacy: The Fundamentals of Effective To learn more about Gregory P. Turza, please