| My financial planning for retirement started ten years | | | | con of the various options available. If married, both |
| ago, before actual retirement. Attending seminars on | | | | husband and wife should attend together." |
| retirement planning was part of preparation. | | | | The best speakers have some kind of priest or |
| I remember a large auditorium filled with about 300 | | | | missionary experience the other half have only |
| would be retired people still working at that time. First | | | | financial certification. |
| speaker was a doctor psychologist who scared us | | | | After speakers introduce themselves, they give the |
| describing how we loose our physical and mind | | | | necessary scary picture of the economic |
| strength with age. In time we will become big losers. | | | | environment and the expenses in retirement. In the |
| Bone and muscle mass reduction, arthritis, diabetes, | | | | end they promise they would be your saviors: |
| hart diseases will be the new encounters. | | | | After the 2008 financial market crush and in the |
| When all this scary facts filled our mind, the second | | | | current recession environment the topic is high on |
| speaker came to show us how much money will | | | | financial security in retirement. The indexed annuities |
| need in retirement and how he can help in big way | | | | become star options for IRA accounts. |
| by doing the financial planning for each of us to fight | | | | Other topics may include: |
| the inflation and the market risk. | | | | - How to reduce the income tax liability in retirement; |
| Since that first seminar I have been attending many | | | | - How to protect your assets from catastrophic |
| "Free luncheon Retirement Workshops" offered | | | | illnesses; |
| through direct mail by more or less gifted Investment | | | | - How to stretch the IRA accounts to provide |
| Advisors. | | | | income through generations; |
| "Nothing is sold at our workshop. This workshop is | | | | - Are the Roth conversions right for you? |
| designed as an informational overview to help | | | | My point for would be soon retiree is: Get all the |
| educate retiree (or soon to be retirees) about the | | | | education on the subject before you commit you |
| specific financial dilemmas they face, and the pro and | | | | 401k hard saved money to financial advisors. |