9. Estate Tax thresholds are huge right now, but there may be a storm cloud building on the horizon.

10. You actually get a little added standard deduction bonus once you reach age 65.

6. Required Minimum Distributions from multiple IRAs or multiple 401ks are treated differently.
7. The due date for the first RMD is December 31st or April 1st, no fools!
8. Life Insurance proceeds pass tax free to the beneficiaries.

3. ROTH IRAs -What? No taxes when the money comes out?
4. ANNUITIES are taxed in different ways depending on whether they are Qualified (IRAs) or Non-Qualified accounts.
5. RMDs now start at 72. That's Required Minimum Distribution

1. Will my tax rates decrease or increase in retirement? That all depends on deductions, the go-go years and future tax rates.
2. Are social security benefits taxable? Yes! It all depends on your provisional income total.

1. There are 3 general "buckets" of investments - income, emergency, and growth
2. You can leave all three at various risk levels in the stock market.
3. You can help ensure your income for life while leaving your emergency and growth "buckets" in the market.
4. You can split your income "buckets" between market risk and insured income while leaving your emergency and growth "buckets" all in the market.

1. We've seen a positive community spirit develop
2. Cleaner air has resulted
3. Focusing on essential workers is good
4. Culture/fun is closer than we thought
5. Work habits have changed
6. You know who your real friends are
7. Life can be re-set
8. It's safe to drink the water again
9. We have better internet
10. YOU ARE STILL HERE-FOR A PURPOSE!

• Tom will discuss how to handle pensions in retirement.
• A Pension is an annuity-like financial vehicle that can pay an income for life.
• The positives and negatives of keeping and talking a pension
• The positives, negatives, and options for rolling over a pension

1. Fix Your Roof Before It Starts Raining!
2. A Will or a Trust! That Is The Question - For A Professional!
3. Got One - But It Might Need Up Dating.
4. Would A Small Life Insurance Policy Help My Family At My Passing?

1. Traditional IRAs and 401k's
2. Roth IRAs
3. Social Security
4. Pensions
5. Stocks, Bonds and Mutual Funds
6. Annuity
7. Dividends 
8. Municipal Bonds
9. CD's, Saving Account and Money Market
10. Savings Bonds