Join Us For a FREE Interactive Online Retirement Workshop
The Learning Lab
“Authentic, Educational Retirement Resources – Brought To You”
Two Dates! February 22nd (Tues) or February 26th (Sat)
Who Should Attend?
New for 2022! Designed specifically for adults at a stage in life where complex decisions can have a profound impact, this live 2-hour crash course on Retirement, Social Security, Taxes and Estate Planning is a perfect primer for your retirement journey. Whether you are completely new to retirement planning or have been planning your future for years, there is always something new you can learn from our interactive workshops!. You and a spouse/partner are invited to attend our FREE Zoom-powered informational retirement strategies workshop entitled “Planning Your Retirement: Things You Need To Know”!
- Updated for 2022!
- Ways to obtain the income you can’t outlive!
- Strategies to feel good about your Retirement
- Do you have to risk a loss to grow your assets?
- Eye-opening Strategies that may save taxes on your Social Security Income.
- Utilizing Tax Deductions and Credits to help you pay less to the IRS
- Strategies to help achieve your long-term financial goals
- How an Estate Plan can help maximize the value of assets passed on to your beneficiaries and lower the tax burden on your estate.
- Options that let one avoid taxes on IRA distributions **
- Advantages for married couples who coordinate the timing of their benefits and more…
The Learning Lab is a No Cost Informational Resource for people looking to learn more about their retirement strategies and make informed decisions to enjoy what they have worked a lifetime to earn. These workshops are strictly educational and do not promote any products or companies…leave your wallet at home! A ‘Hear It. See It. Write It.” teaching method makes it easy for you to understand, retain and profit from the information covered!
Your Workshop Agenda
How long will you work?
Will you outlive your money?
Death of a spouse/significant other
Nursing home/Long-term care
Impact of Interest rates/Inflation
Stock & Bonds
Broker vs Fiduciary
Stocks & Bonds
Social Security Benefits
Fixed annuities guarantee that your money will earn at least a minimum interest rate. Fixed annuities may earn interest at a rate higher than the minimum but only the minimum rate is guaranteed. The issuer of the annuity sets the rates.
Variable annuities earn investment returns based on the performance of the investment portfolios, known as “subaccounts,” where you choose to put your money. Your investment choices likely will include subaccounts with different types and levels of risk. Your choices will affect the return that you earn on your annuity. Subaccounts generally have no guaranteed return; however, you may have the option of placing some of your money in a fixed rate account, with a rate that won’t change for a set period. There is no guarantee that the values of the subaccounts will increase. If the subaccount values go down, you may end up with less money in your annuity than you paid into it. These products are subject to various charges and expenses, such as sales charges, administrative charges, mortality and expense charges and surrender charges.Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Horter Financial Strategies, LLC. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.
Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10% . Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.
Past performance is no guarantee of future results. Investments are subject to risk, including market and interest rate fluctuations. Investors can and do lose money.