According to recent statistics, nearly two-thirds of Americans regret not planning for retirement. Our total lifespan, the probable length of our retirement, and how much money we will need to fund those years in retirement are some of the key factors of retirement planning. Retirement planning can feel so overwhelming that many of us put it off until it is too late to make necessary changes.

The future doesn’t arrive with its own financial security unless we plan it that way. In. How to plan for the perfect retirement. Professor Dana Anspach will show you how to create the future you want. It is never too early or too late to develop a plan that works for you. Professor Anspach will give 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 is a 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 With vibrant and informative graphics, illuminating statistics, revealing real-world stories, and crystal-clear explanations, this course will make planning for retirement easier than ever before.

What is retirement planning?

According to the Federal Reserve, 25 percent of us have no retirement savings at all. Many people who save money believe that. Is it? If they are contributing to a 401(k) or IRA, retirement planning is important. Professor Anspach will tell you that building a retirement nest egg is not the same as creating a comprehensive financial plan for your retirement years.

As she walks you through the planning process, she will tell you that the decumulation phase is more complex than the accumulation phase. Investments, insurance, pensions, taxes, and the need to manage numerous risks are included. No one can determine how much money you will need in retirement without analyzing your lifestyle, expectations, and complete financial situation, which is why you need a personalized financial model.

In this course, you will learn 10 questions to ask yourself about your financial situation, the answers to which will guide you in all your retirement decisions. You will learn.

• How to best plan for significant unknowns such as the future pattern of good and poor market returns, inflation, and family emergencies;
• Guidelines for paying down debt versus investing during the accumulation years;
• How to decide whether to rent or buy a home;
• The difference between active and passive investing, and much more.

Professor Anspach favors a work/retirement approach that could involve working at a job you love well into your 70s. This is against the recently popularized movement called FIRE (Financial Independence, Retire Early), which involves working extremely hard in your early years, saving as much as you can, and retiring as early as possible.

Anyone can start planning for retirement now.

Millions of Americans don’t have a lot of options for retirement planning. This course will help you personalize a plan based on your resources and needs.

There are specific steps you should take right now to help you plan for the future, no matter your income level, age, or family circumstance. They include:

• Picture Your Future Self . Numerous studies have shown that people don’t plan for the future because they can’t picture themselves in the future. Those same studies have shown that when individuals use an app to create a virtual image of their future self, they do save more money. Now that future self is someone they “know,” and no longer just an abstract concept.
• Track Your Spending . You probably know your income, but chances are you do not know what you spend. Tracking every penny of your spending for a period of time might reveal where you can find money to save now. If not, this exercise is still helpful to start identifying how much money you’ll need in order to maintain your current lifestyle in retirement.
• Meet with a Retirement Planning Professional . In Dr. Anspach’s experience, meeting with a retirement professional lifts an enormous load off the shoulders of clients. Turning the vast unknown into a concrete plan allows you to take actionable steps and leave the worry behind. You’re no longer a procrastinator; you’re a proactive planner. And that feels good to everyone.

Retirement plans are in action.

Many people are retired right now. You might think you have a picture of their financial security based on their activities, travel, and lifestyle habits. The numbers tell the real story and we wouldn’t ask our friends to share them.

But in. There is a plan for the perfect retirement. Behind the curtain is where you will see it. By meeting, you will learn about financial planning for retirement.

• Gabe and Mary . In their story, you’ll learn about Medicare, Social Security, deferred-income annuities, tax planning, and more. In order to meet their goal of early retirement, they had to make some important choices and adjustments, and you’ll see how they did eventually manage to build a solid financial plan that will allow them to retire with financial security, even if it wasn’t their original plan.
• Sara and Jim . Jim had wanted to provide for Sara after his death and to pass money on to his children from a previous marriage. Learning from Jim’s mistakes, you’ll see why decisions made during retirement planning need to be considered individually and within the context of the larger family.
• John . When John’s wife passed away during their early retirement, John needed to make changes in his financial plans. From his journey, you’ll learn about purchasing a home during retirement, home equity lines of credit, and ways to finance a move to a continuing-care retirement community.

Professor Anspach says, No retiree who makes a mathematically sound withdrawal plan, and sticks with it, making necessary adjustments along the way, should ever run out of money. The vital information and real-world tools are provided. There is a plan for the perfect retirement. It is possible to plan for your future and create a more secure and less stressed post-work life.

Lectures:

How to think like a retirement expert. How much money do you need to retire? There are five ways that retirees run out of money. How to start saving for retirement. Financial Strategies for Mid-Careers. Investing for safety, income, and growth. There is a five-year plan to retirement. How to make your retirement savings last. The Go-Go Years in Retirement are planned. Financial Strategies for the Slow-Go Years. Social Security, Medicare, and tax are strategies. There are 10 questions to answer before you retire.

Dana Anspach is a Certified Financial Planner, a Retirement Management Advisor, and the founder and CEO of Sensible Money, a registered investment advisory firm that specializes in retirement income planning.

Professor Anspach has been writing about retirement-related topics since 2008. She was an expert on MoneyOver55 for eight years, and her writing on retirement decisions can be found at The Balance. She is the author of Control Your Retirement Destiny: Achieving Financial Security before the Big Transition and Social Security Sense: A Guide to claiming Benefits for Those Age 60–70.

Professor Anspach has twice been named to the Investopedia 100, a list of financial advisors who are considered to be making significant contributions to financial literacy. She is a member of the Strategic Retirement Advisory Council.