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- Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But do you know the rules of the road when it comes to Social Security? Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider.
During the virtual seminar, you’ll find out more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future. You’ll learn the answers to your Social Security questions, including:
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• What are the rules for starting your Social Security benefits?
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• How do spouses coordinate their benefits?
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• Are there different routes to take that could potentially increase your benefits?
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• How do you decide where Social Security fits within your retirement plans?
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- Understanding Medicare
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- Planning for retirement is never easy and maneuvering through Medicare rules and regulations is one more step in an already confusing process.
During the virtual seminar, you’ll find out more about the basics of Medicare and how financial education can help you in retirement income planning. You’ll learn the answers to your Medicare questions and discuss:
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• Medicare basics and the differences between Parts A, B, C and D
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• Tips for choosing your coverage and enrolling in Medicare
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• How to consider health care costs when planning your retirement income
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- Income for Life: Guaranteeing retirement income to last a lifetime
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- You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)?
Join us for a virtual session that can help you set your financial direction and answer more of your questions:
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• What sources of retirement income will you rely on?
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• What retirement risks do you face now that you’re drawing on their savings?
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• Which income strategies should you consider?
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• How can you use annuities to guarantee income for life?
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- Women and Investing: Steering toward retirement
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- There’s no denying the facts: Women tend to earn less and live longer than men. If you’re a woman who would like to retire one day, you may need to save more and invest more than men.
The virtual seminar will focus on taking control of your future through investing. You’ll also learn about:
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• Key investment principles every woman should know
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• Important opportunities like asset allocation
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• Understanding investor behavior
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• Differences between financial products like mutual funds and annuities
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- Rollover Planning
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- Often when people change jobs or prepare for retirement, they need to make decisions on their retirement plans and pensions. In this virtual seminar, you’ll learn some of the rules we need to follow and the options available.
In this session you will learn the answers to questions, including:
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• Pros and Cons to leaving your money in the company plan
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• Possible taxes or penalties we may face when moving money
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• Options for moving it your new company plan
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• Rolling it over to a personal IRA
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- Three Transitions to Retirement: It’s about more than just the money
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- Are you ready to retire? You might be prepared for the financial transition, but you’ll experience lifestyle and emotional transitions as well. We can help you understand these upcoming changes and provide the information you need to better prepare for this exciting season of your life. Working together, we’ll gain clarity and confidence about your path to retirement.
During this session, you’ll learn:
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• How to confidently address the financial, lifestyle and emotional transitions to retirement
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• How to guard against risks and manage those that are inevitable
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• Whether you are ready for retirement
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- Space for these sessions is limited, so we urge you to make your reservations by clicking on one of the sessions today. Please contact our Associate Advisor, Tara Williams, at 802.776.2187 with any questions about the virtual seminar or email her at taraw@hfcuvt.com. We look forward to seeing you virtually.