E 161 TAXES, IRMAA, IRA’s, OH MY!                                    Fee: $30

Wednesday, April 8 (One session) 7:00 - 8:30 PM HS Room: 185

The question of whether you’ll have enough money to enjoy retirement is often a daunting

prospect. A recent study by SeniorLiving.org reveals that the greatest financial concern among

individuals aged 55 to 64 is running out of money during retirement, a sentiment echoed by

38% of those aged 65 and older. Compounding these worries, many retirees find themselves

facing unexpected tax burdens, often due to the complex nature of our tax system and

government programs. However, the good news is that you can take proactive steps to navigate potential financial pitfalls by proper planning and attending our class is a good place to start because you’ll learn:

· How to avoid Medicare surcharges (IRMAA)

· Understand the optimal use of taxable, tax-deferred, and tax-free assets to strategically

manage your income during retirement.

· Discover approaches for managing your income, including the implications of a Roth IRA

conversion.

· Get up to speed on the recent changes affecting the Stretch IRA, including how these

adjustments could alter your estate planning and tax strategies.

· Learn about the latest OBBB updates that may affect your financial decisions in retirement.

INSTRUCTOR: Paul Muller, CFP, AEP, graduated from the State University of New York at Albany with a degree in Economics and has over 20 years of experience in the financial industry. He’s a CERTIFIED FINANCIAL PLANNER™ professional, Accredited Estate Planner (AEP®), and holds a FINRA series 65 registration through Vision Retirement.