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Life After Work Series

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Three Key Retirement Topics You’ll Want to Understand

Three focused workshops to get prepared for the future (Take one or take them all)
Wednesdays, 11/3, 11/10, and 11/17
Fee: $39 per workshop or $99 for all three
Location: WCU at Biltmore Park, or attend a virtual classroom session through Zoom at the Cullowhee Campus.


Instructors: Joel Kelley, CFP® and Jacob Sadler, CFP®
This training has been designed to help the Western North Carolina community learn more about key topics that can have a positive impact on the retirement years. If participants desire more information, post training, the instructors can schedule a no-cost one-on-one consult. This is completely optional. This training does not include any sales or product information.

Social Security and You: 10 Factors to Consider

Wednesday, November 3
4:30 – 6:00 PM

Social Security retirement benefits represent over half of the household income for most retirees today.   Despite the dependence most people have on this critical source of income, there are pressures threatening the future of Social Security.  As of 2018, Social Security is projected have sufficient resources to pay 100% of scheduled benefits until 2034. Beyond that point in time, payroll tax revenues alone, will only be sufficient to cover only about 79% of scheduled benefits initially, and the percentage will decline to 74% by 2092 (based on the current formula).

It is highly likely that Social Security will undergo some major changes in the coming years, but do we know what these changes will be? 

This course will walk through the knowns of Social Security Planning today, and address the critical questions around the future of Social Security when planning for your future.  We will cover: 

  • History of Social Security
  • The strength of the program today
  • Delayed retirement credits
  • Early filing and Retirement Earnings Test
  • Windfall Elimination Provision
  • Spousal benefits and Divorced Spouse Benefits
  • Survivor Benefits
  • Medicare Benefits
  • Taxation of Social Security
  • Restricted Applications
  • And more

Into The Unknown: 4 Threats to A Secure Retirement

Wednesday, November 10
4:30 – 6:00 PM   

This discussion will walk through key risks to consider when preparing a suitable retirement plan in developing an income strategy during retirement.  We will cover:

  1. Taxes – Why Pay More in Taxes Than Necessary
  2. Inflation - It’s Easy to Ignore until It’s too Late
  3. Health and Long-Term Care – Our Health is a Form of Wealth
  4. Longevity and Legacy – Where Uncertainty Abounds

Planning for key risks in retirement, can lead to a greater sense of confidence and control over your decision making as you transition into a new chapter of your financial life.  What kind of margin of safety does your plan for retirement have?

After the Last Paycheck: 3 Critical Steps to Plan Your Retirement Income

Wednesday November 17
4:30 – 6:00 PM   

What happens when you retire?  Among many things, there is one common experience: Your financial focus takes a dramatic shift.  

For most Americans, this shift means that instead of striving to accumulate assets, you’ll need to figure out how to withdraw assets in an efficient way for income.  

The guidelines for managing money are different from what they were when you were working.  This discussion will walk through the 3 core steps in developing an income strategy during retirement.  We will cover:

One: Sizing up current situation and sources of income

  1.   Pension
  2. Employment earnings
  3. Personal savings and investments

 Two: Understanding and refining your investment mix

  1. Investment fundamentals
  2. Modern Portfolio Theory 

Three: Choosing a strategy for tapping into your assets – withdrawal strategies

  1. The 4% rule
  2. Endowment method
  3. Life-Expectancy method
  4. Three-tiered strategy

The choices you make when you retire will play a significant role in how you spend your retirement years. Understanding how your strategy works, can lead to a greater sense of confidence and control over your decision making as you transition into a new chapter of your financial life. 

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