Join us for TWO Retirement Solutions Seminars
Presented by: Bob Scarfo, Senior Financial Advisor,
CUSO Financial Services, L.P.* at Wright-Patt Credit Union.
Retirement Income Planning
Thursday, November 3, 2016 6:00 pm – 7:30 pm
Retirement income planning is the process of understanding how much income you’ll need during your retirement years to support the retirement lifestyle you want, and positioning your assets to help provide that income. While there’s no such thing as a “one size fits all” plan, there are steps you can take to design a plan to support the retirement lifestyle that you envision. In this seminar, you’ll learn:
How to plan for when your retirement will start (including the impact of early retirement, delayed retirement, and working in retirement), how long it will last, and the retirement lifestyle you want
Steps to estimate the amount of money you’ll need in retirement to meet your goals, factoring in health-care costs, taxes, and inflation
How to supplement fixed income sources such as Social Security and an employer pension with your retirement savings, including the products and investment strategies you should consider, a sustainable withdrawal rate, and the best order to tap various accounts.
Thursday, November 10, 2016 6:00 pm – 7:30 pm
An estate plan is a map of how you want your personal and financial affairs to be handled in the future. An effective estate plan can help ensure that your family’s financial needs will be taken care of, and that your personal wishes will be carried out in the manner you intended. It can be a critical part of your overall financial plan. In this seminar, you’ll learn:
Why you may need an estate plan
Strategies to plan for incapacity, including special health care directives
Wills, trusts, and life insurance
Key tax basics, including an overview of the federal gift tax, estate tax, and generation-skipping transfer tax.
All attendees will receive a free workbook created just for each presentation. The workbook contains key information, worksheets, and questions to help you remember important points from the seminar.
Join us for two Retirement Solutions seminars, Retirement Income Planning and Estate Planning, Presented by: Bob Scarfo, Senior Financial Advisor, CUSO Financial Services, L.P.* at Wright-Patt Credit Union
Register to attend one or both seminars by clicking Register Now and choosing your session.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Wright-Patt Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.**CFS does not provide legal or tax advice. For specific tax advice please consult a qualified tax professional.
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