Successful Money Management Seminars$59.00, and register your spouse or guest at NO additional cost!
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Strategy is your key to financial success
Our seminar contains informative insight on how you can learn to successfully manage and protect your money. Take time out now to protect your future. You are never too busy to develop a path that can lead to your financial success.
 

For more information or to get started, please call us at 602-494-0555

Successful Money Management® seminar includes:

Financial Strategies
Private Wealth Management
Investment Consulting
Retirement Planning
IRA
401(k)
Risk Management
Estate Planning


Hear How You Can:

Manage Your Money
Potentially Reduce Your Taxes
Save and Invest
Structure Your Investments
Seek a Financially Independent Retirement

Retirement Planning Education Course Topics

Employer Retirement Qualified Plans

When a retirement plan meets specific IRS requirements that apply to all employees on an equal basis, the plan is "qualified." If your company offers a qualified plan, contributions from both you and your employer may be allowed, depending on the plan. Qualified Plans can be either defined benefit plans or defined contribution plans.

Defined Benefit Plans

  • The employer promises to pay a specified monthly amount at retirement.
  • This benefit is usually determined by salary level for the last few years of employment, the number of years employed by the company, and the distribution option selected.

Pension Plans

  • Benefit Formula is Fixed Income Based
  • Plans may Include Cost of Living Increases
  • Plan Assets are not Allocated to Individual Accounts
  • Traditional Defined Benefit Plans are typically Federally Insured

Defined Contribution Plans

Retirement Plans such as the 401(k) plan are composed primarily of employee contributions, which are often times fully or partly matched by the employer. These plans unlike defined benefit plans, do not guarantee or promise a specific amount of benefits at retirement, and the contributions are typically invested on the employee's behalf. The earnings of the account are solely contingent upon investment gains or losses.

Types of Defined Contribution Plans

  • 401(k) Plans
  • 403(b) Plans
  • Employee Stock Ownership Plans
  • Profit-Sharing Plans
  • SEP-IRA
  • 457 Plan

Sources of Retirement Income

According to a 1998 Department of Labor study, there are three main categories that comprise the majority of income sources for retirees.
  • Social Security
    Comprises 37.6% of retirement income
  • Employer-Provided Retirement Plan
  • Personal Savings
Asset income and earnings also contributed 40%, which shows that many retirees over the age of 65 would not sufficiently cover their retirement years with mere Social Security and a pention plan.

Planning for Retirement?

  • How much will you need at retirement?
  • How much will your future expenses be?
  • How much per month in today's dollars will you need per month in retirement?
  • How much will that amount buy in 10 years? In 20 years?
  • What assets have you already put aside?
  • What part will Social Security cover? Will Social Security even be available?
  • What will your retirement plan at work cover?
  • Will you need to supplement your retirement plans and Social Security with other personal savings and investment programs?
  • Will you have enough money?
  • What can you do about it now?

Securities and investment advisory offered through ING Financial Partners, Inc. Member SIPC Gold & Associates, Inc. is not a subsidiary of nor controlled by ING Financial Partners, Inc.

Securities and investment advisory services offered through ING Financial Partners, Inc., member FINRA, SIPC.