On The Money - Alpha Planning 101

• Safer Alternative asset classes
• • Annuities
  • Royalties
  • Private Equity Funds
• Advantages of Annuities
• Utilizing our Safety, Income, Growth bucket system

• Sequence of Return Risk
• Disadvantages of portfolio withdrawals
• Importance of a diverse portfolio with fixed-income assets
• Importance of properly structuring assets

• Important stats surrounding women’s retirement:
  • Longevity & outliving your spouse
  • Likelihood of retiring at 65
  • Use of financial advisors/retirement plan
  • Financial confidence
• Importance of healthcare planning
• Social Security benefits – differences for women vs. men
• Tax planning

• Protecting your legacy from volatility, taxes, & long-term care facilities
• • Benefits of and differences between Wills and Trusts
  • Use of Important documents including Wills, Trusts, Power of Attorney, & Beneficiary documents
• Maximizing your estate by utilizing other pieces of the Alpha Plan process

• Break-down of Medicare costs
• How Medicare compensation works
• What Medicare does not cover, including a discussion about Long Term Care

• Tax Cuts & Job Act Upcoming Expiration
• Micro & Macro views of Taxation: looking in the past vs. looking in the future
• Tax Diversification Planning and understanding the IRS’s “bucket structure”:

• • Income Taxable
  • Tax Deferred
  • Tax Free

• Roth Conversions

• Risk & Volatility in the market
• The Great Resignation
• 3 Bucket Structure for your money
  • Safety
  • Income
  • Growth

• Retirement Income Sources (The 3-Legged Stool):
  • Social Security
  • Pensions
  • Retirement Savings
• Closing the Income Gap
• Using annuities properly
• Inflation
• Spousal Protection
• Longevity

Questions addressed:

• Will social security be there for us in the future?
• Can I file for social security benefits on my divorced spouse’s record?
• They recently announced at work that our 401K has added a Roth option.  Should my future investments go to the Roth or my traditional 401k?
• I am not a savvy investor, but I have been saving in my 401k for 35 years.  I have a large balance but have no idea how I should be investing my current dollars or my future savings.
• I never hear from my current financial advisor unless I call him.  Should I be concerned?
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• What is the 4% rule?
• Why it’s no longer relevant
• • Market volatility
  • Current interest rates
  • Life expectancies & length of retirement
• Alternative strategies that better suit today’s market