What you do today will determine how you live tomorrow. Whether it’s lying on a beach, golfing with your buddies, or rediscovering why you married your spouse, everyone has their own idea of a perfect retirement. With a little preparation and guidance, retirement can be anything—and everything—you want it to be.
This course will cover essential topics to help you plan effectively, including what to do with your 401(k)s and pensions after leaving your company, the differences between a traditional 401(k) and a Roth 401(k), and rollover options. We’ll also explore Required Minimum Distributions (RMDs), including current rules, penalties, and updates from the SECURE 2.0 Act.
You’ll learn about Qualified Longevity Annuity Contracts (QLACs)—what they are, how they work, and the rules surrounding them. We’ll discuss fixed (guaranteed) investment options like certificates of deposit (CDs), money markets, savings accounts, and fixed annuities. Finally, we’ll address important questions around inheritance and death: what happens to your accounts, how to ensure beneficiaries are correctly designated, tax implications, and the rules beneficiaries need to follow.
