Complete Education

We’re committed to help educate individuals in the various areas of retirement wealth accumulation and distribution

You may be an individual or a couple with assets to invest and the desire to build wealth. We feel you’ll be able to make suitable investment choices by educating yourself in the various aspects of financial planning that apply to your situation.

At Complete Education our instructors have been teaching and counseling in financial planning for many years. However, we’re not just educators-we’re Financial Advisors, in the trenches every day helping our clients grow their assets to help them reach their financial goals.

We hold classes and workshops at company facilities, at local community colleges, and at various locations in the Portland Metro Area.

Please contact our office for information on workshops and classes scheduled in the coming months.

Workshops and Classes

Retirement Planning Today®
LD19071-04/10

This class is one of our premier educational tools for retirement planning. The workshop takes about seven hours and can be scheduled over two or three days.

The class is an easy-to-understand education on life-planning and retirement-planning strategies and can also be tailored to fit the demographics of a company’s employees.

Attendees can learn how to:

  • Create a plan for their retirement
  • Manage investment risks
  • Use new tax laws to their advantage
  • Make informed decisions about their retirement plan
  • Make adjustments to an estate plan

Eight financial areas are covered:

Life Planning for Retirement

  • Traditional vs. new retirement
  • New retirement opportunities
  • Values and objectives in nine areas of life
  • The retirement planning process

Retirement Needs and Expenses

  • Early retirement trends
  • How long must your money last?
  • Inflation, prices, and purchasing power
  • Real rate of return
  • Retirement expectations
  • How much will you need to retire?
  • Can you retire today?

Retirement Roadblocks and Mistakes

  • Ten retirement planning mistakes
  • Financial and cash-flow statements
  • Credit and debit
  • Taxes and marginal tax rates
  • Eleven strategies to save money on taxes
  • Taxable investments
  • Capital gains income tax exclusion
  • Investments with tax advantages

Retirement Income Sources

  • Traditional IRAs
  • Roth IRAs
  • IRA to Roth IRA conversions
  • Other retirement income sources
  • Social Security eligibility and benefits
  • Employment income and Social Security
  • Employer-sponsored defined benefit plans
  • Employer-sponsored defined contribution plans

Retirement Plan Distributions

  • Retiring or changing jobs?
  • Defined benefit and contribution plans
  • Three important considerations
  • Lump sum vs. IRA transfer vs. annuity payments
  • Rollovers, direct rollovers, and transfers
  • Annuity income and choices
  • Pension maximization
  • Early retirement considerations
  • Minimum required distributions

Investments

  • Considerations before you invest
  • Cash accounts
  • Bonds
  • Stocks
  • Mutual funds
  • Unit investment trusts
  • Individually managed accounts
  • Tax-deferred annuities
  • Investment risk management strategies

Risk Management and Asset Protection

  • Disability income insurance
  • Health insurance and Medicare
  • Long-term care and insurance
  • Comparing life insurance

Estate Planning

  • Planning for incapacity
  • Taxes
  • A will may not be enough
  • Probate
  • Gifting assets
  • Joint ownership of property
  • Direct transfer assets
  • Benefits of trusts
  • Types of trusts

On Demand Workshops

We have a variety of workshops we’re happy to provide on request. These workshops take 1-3 hours to complete.

  • Asset Allocation-A Strategy for Real Life Investing - AA SEM 0310
  • Keep More of What You Earn-Investing for Tax-Free Income - TF SEM 11/09
  • College America-529 Savings Plans - CAGEPO-003-0210
  • How Much Should You Save? - RPGEPO-023-0210
  • Riding out the Bumps-Volatility - RPGEPO-010-0210
  • Should You Take a Loan from Your Plan? - RPGEPO-011-0508
  • Where Are You Going-IRA Rollover? - IRGEPO-002-0210

Our Educators

We have a group of highly-trained and qualified staff to present the workshops:

Charles B. Dwight IV, JD (Ret.), RFC

Kevin Marshall, MSFS, BCAA, CFS

Ron Dodge

Note: Our classes and workshops should NOT be used as a basis for legal and/or tax advice. In any specific case, the parties involved should seek the guidance and advice of their own legal and tax counsel. Estate planning is done in conjunction with your estate planning attorney, tax attorney and/or CPA.

 

Now you’re aware of the workshops we offer, you might like to go to the Complete Financial Services page to learn how we can help you put this into a plan that works for you.

Click here to take a look at the FAQs or you might want to read our monthly article.

If you’re ready to get started and would like some help managing your retirement investments, call us now at 503-684-8070 to set an appointment. Or click here to go to our contact page.