Upcoming Educational Events

The Retire-Ready Workshop Series
A Comprehensive Education on Retirement, Estate and Portfolio
Protection Planning for People Serious About Retirement Success!

You worked long hours for many years! Are you fully prepared for a successful retirement? Whether you’re still working and need to develop or improve your retirement plans, or you are already retired but want to protect and optimize your financial situation, we invite you to come join us for a no-cost, comprehensive education on Retirement, Estate and Portfolio Protection Planning. In this holistic course we will teach you, in layman’s terms, the following information that we feel is critical to helping secure a sound financial future:

 UPCOMING WORKSHOPS

November  15th, 16th & 17th

      Choose the Topics You Wish to Attend

    Day 1: Laboring Over Long-Term
            Care Insurance

    Day 2: Examining Estate Planning
            and Estate Taxation

    Day 3: Maximizing Retirement
            Income and Protecting Your
            Money
       (Choose either 2-4pm or 6-8pm)

    Location: 958 Building
958 County Line Road, #105
Bryn Mawr, PA 19101

RESERVATIONS REQUIRED

Call 484-592-0339(24hrs)
or
Register via email at:

Register.BrynMawrPA@1APG.com
   

 

  • Learn how to know if you will have enough saved for the retirement lifestyle you desire.
  • Begin discovering if you might be investing too conservatively or too aggressively for your retirement goals and the ramifications of these decisions.
  • Learn how to position your portfolio for growth from the stock market, while at the same time never jeopardizing your retirement income when the markets fall.
  • Learn strategies and techniques for coordinating income from multiple sources and for safely getting the maximum income possible out of your savings.
  • Learn how to develop a comprehensive healthcare plan for retirement to help prevent medical and Long-Term Care costs from damaging or destroying your finances.
  • Learn how and why you might want to avoid the probate process and why just a simple Will could be an unnecessarily costly and time-consuming way to pass on your estate.
  • Learn how to minimize or eliminate estate taxes, at both the Federal and State level, so you can leave your spouse, children and grandchildren as much as possible one day.


THE TIME TO PLAN IS NOW!
EDUCATION IS THE KEY TO SUCCESS!!

At this workshop we will teach you what we believe is essential information, techniques and strategies you will want to know in order to effectively prepare for and thrive throughout your retirement years. Leave your wallet, purse and checkbooks at home as there is No Cost and No Commitment required to attend these sessions and absolutely No Selling will take place. As part of your participation you will simply be offered a free private consultation with a retirement planning professional at a later time. That will be your choice with no-pressure! Here is what we cover on each day:


DAY 1:  LABORING OVER LONG-TERM CARE INSURANCE

To have, or not to have Long-Term Care Insurance, that is the question. In this session we will teach you:

  • The facts and figures regarding the likelihood of needing Long-Term Care and the cost of coverage in our area.
  • The three common misconceptions of Long-Term Care and the potential ramifications of making the wrong assumptions about who, how, and where care will be provided for you as you age.
  • Who does and doesn’t pay the cost of Long-Term Care and what, if anything, to expect from Medicare, Medicaid, and Medigap insurance.
  • What specifically Long-Term Care policies cover and how to effectively evaluate policy features, benefits, and costs.
  • Several alternatives to traditional Long-Term Care insurance that may be more beneficial for your particular situation.
  • How Medicare works and why Medigap plans are a critical part of creating comprehensive healthcare protection.

Healthcare and Long-Term Care costs are the leading cause of
financial distress for retirees. Attend this session to learn
how to protect yourself and your family.


DAY 2:  EXAMINING ESTATE PLANNING & ESTATE TAXATION

Will your estate transfer quickly and issue-free to your heirs with the maximum amount possible? In this session you will learn:

  • Why conflicts arise upon death and how proper estate planning can help preserve family harmony.
  • How to optimize your estate plan to reduce or eliminate Federal and State death taxes.
  • Why it might be beneficial to avoid the time, expense, and hassle of Probate, and how to do so properly.
  • The pros and cons of Wills vs. Trusts, and which one might be best for your particular situation.
  • All about Trusts (By-Pass, Legacy, Q-TIP, Living and Irrevocable), how they work and how they can be used and combined to prevent costly and time consuming estate problems for your family.
  • How to structure your life insurance for optimal tax efficiency and passing on the maximum benefit.

No matter how large or small your estate, if you want to make
certain your plan is complete, optimized and hassle-free for
your family, this session will teach you how.


DAY 3:  MAXIMIZING RETIREMENT INCOME & PROTECTING YOUR MONEY

What’s more essential to retirement happiness than having a plan for your financial security? In this session you will learn:

  • How to coordinate, sequence and optimize income from Social Security, Pensions, savings and other sources.
  • Methods and strategies for reliably turning your savings (401(k)s, IRAs, TSPs, etc.) into the maximum income possible during retirement.
  • How to position your portfolio for stock market growth in a way that never puts your retirement income at risk should markets fall.
  • Strategies for protecting principal and helping you guard against the major financial risks of retirement.
  • How today’s advanced, modern annuities work and the pros & cons of using them in your plans.
  • How to create a comprehensive retirement plan that is flexible and adaptable to your changing retirement financial needs.

If your retirement financial goals include maximizing income,
safety of principal, growth, liquidity, tax-advantages and maintaining
control of your money, don’t miss this session!


ADDITIONAL WORKSHOP DETAILS

  • Your Instructor will be Shane Couturier, a Retirement & Estate Planning Specialist. Mr. Couturier is an experienced Investment Advisor Representative and retirement planning professional who has a passion for teaching others this critically important subject. He is the current President of the Greater Philadelphia  Chapter of The Society for Financial Awareness.
  • While we strongly encourage you to attend all three days to get the maximum possible benefit, you are welcome to attend only the sessions you desire.
  • We highly recommend attending with your spouse or any others with whom you consult on important planning matters.
  • Feel free to invite family, friends and neighbors to attend with you!
  • There is no minimum net-worth required to attend, and no matter your age, everyone can benefit!
  • A free Retirement & Estate Planning Resource Guide will be provided to every attendee!
  • Light refreshments will be served!

 

* A Variable Annuity is a long-term investment vehicle designed specifically for retirement. While they are subject to market risk and fluctuation in account value, they may also offer several optional protection features not found in other investment vehicles.

** Guarantees are based on the claims paying ability of the insurance company.