E 162 TAXES, IRMAA, IRA’s, OH MY!                                                          Fee: $30

Thursday, October 29 (One session) 7:00 - 8:30 PM                                 HS Room: 185

Will you have enough money to enjoy retirement? For many people, it's the single biggest worry — a recent SeniorLiving.org study found that running out of money is the top financial concern for adults ages 55 to 64, and for 38% of those 65 and older. What often makes it worse is a threat most retirees don't see coming: taxes. Between our complex tax code and the rules tied to programs like Medicare, unexpected tax burdens can quietly erode the savings you worked a lifetime to build.

Fortunately, with the right planning, many of these pitfalls are avoidable — and this class is a great place to start. You'll learn how to:

● Avoid Medicare surcharges (IRMAA)

● Strategically draw from your taxable, tax-deferred, and tax-free accounts to manage income in retirement

● Weigh income strategies like a Roth IRA conversion — and when they actually make sense 17

● Navigate the recent changes to the "Stretch IRA" and what they mean for your estate and tax planning

● Understand the latest tax-law updates (the "One Big Beautiful Bill") that could affect your retirement decisions

You'll come away with practical strategies to help you keep more of what you've earned — and greater confidence in your retirement plan.

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.