Available Education Offerings

RetireU Workshop Series

The RetireU Series is a 4-part workshop series. Complete all 4 workshops and then continue on to additional topical workshops.


Why are we all here?

  • Changes in the healthcare system, government programs and employer plans have already been impacting the largest pre-retirement population in history.
  • Education is your employees’ greatest tool to help assist them in pursuing their retirement and financial goals.

A comprehensive retirement education approach

  • Personal retirement aspirations
  • Income planning
  • Financial and healthcare considerations
  • Integration with existing employee benefits

In Session 1, employees will start to envision their retirement and how they will finance it based on current and future retirement trends. We will cover financial basics and budgeting for retirement. Employees will start to see how what they have will contribute to the retirement they want.

  • Employees begin by defining their own vision of retirement. This will set the stage on understanding how to create and maintain a financial strategy.
  • Using Your Money More Wisely
  • Review the basic money principles and their relevance in retirement:
  • Paying yourself first
  • Creating a budget
  • Power of compounding
  • Considerations for tax diversification
  • Tax advantaged investing
  • 401(k) & Traditional IRA
  • 403(b) & Roth IRA
  • Understanding the impact of inflation
  • Budgeting for Today (and Tomorrow)

Create a personalized budget:

  • Estimating expenses today
  • Using today’s income and expenses to estimate retirement cash flow needs
  • Homework
  • Completing workbook exercises to solidify concepts learned

In Session 2, we introduce the principles of investing and the various investment vehicles available to employees will learn about the general rules to building and managing wealth.

  • Investment Pyramid
  • Key features and risks of each asset class:
  • Cash equivalents
  • Bonds
  • Stocks
  • Alternative Investments
  • Mutual Funds
  • Investment Strategies for Accumulating Wealth
  • Asset classes and allocation
  • Risk tolerance
  • Diversification
  • Portfolio rebalancing
  • Investment Guiding Principles
  • Time in the market
  • Dollar cost averaging
  • Fundamentals of managing risk
  • Understanding the Risks You Need to Manage
  • Inflation
  • Taxes
  • Market
  • Unexpected expenses
  • Developing a Spending Plan for Retirement
  • Estimating current expenses
  • Projecting expenses in retirement
  • Homework

In Session 3, employees will learn how to structure a retirement income stream to address their retirement wants and needs. We will examine the risks that can impact retirement funds and how to manage assets to help provide lifelong income.

  • Shifting Focus from Accumulation to Distribution
  • What are some of the risks a portfolio could be exposed to in retirement?
  • Longevity
  • Withdrawal rate
  • Market timing
  • Unexpected expenses
  • The Retirement Income Planning Process
  • What are the key elements of the retirement income planning process?
  • Look at the big picture and determine retirement goals
  • Identify expenses in retirement
  • Identify guaranteed sources of retirement income
    • Social Security
    • Employer-sponsored defined benefit plans
  • Identify other sources of retirement income
    • Employer-sponsored defined contribution plans
    • Earned income
    • Unearned income
    • Personal savings
    • Alternative sources
  • How to Manage Retirement Assets and Help Provide a Lifelong Income
  • Matching retirement ‘essentials’ with dependable income sources
  • Matching retirement ‘extras’ with other income sources
  • Protecting against unplanned expenses
  • Homework

In Session 4, we will review your employee benefits, together with other benefits, to help clarify how they fit into your employees’ retirement plans. We will also cover the basics of estate planning, including wills and trusts.

  • Your Employer’s Benefit Plans

Do your employees know what is included in their benefits plan?

  • Retirement
  • Protection
  • Legal or other services
  • What benefits continue after retirement
  • Protecting Against Unexpected Expenses
  • What do government programs provide for retirees and what is not covered?
  • Medicare basics
  • Long term care
  • Estate Planning Basics
  • The basics of trusts, including Special Needs
  • Wills
  • Healthcare directive
  • Power of attorney

What have your employees learned?

  • Put it all together
  • Understand how the benefits package you offer fits into their own plan
  • Know how to work with what they already have in any stage of financial planning
  • Know the resources available if they are feeling overwhelmed

Topical Education Workshops

These workshops ranging from 30-60 minutes each can be customized to include current or proposed benefit offerings.

  1. Investing—How do I get started?
    • An overview of investing that explains the necessary terms, types, and risk of investments today.
  2. Creating the Balance: Love and Money for Couples
    • This workshop will look at the common concerns couples have handling finances, including savers vs spenders, financial infidelity, combining incomes and carrying debt.
  3. Smart Decisions for your Money as You Begin Your Career
    • For employees who are in their first ten years of employment.
  4. Credit and Spending! What Should I Be Doing?
    • Discusses the factors that impact getting and maintaining good credit and living within your means.
  5. Life Insurance—The Whys and Hows
    • You will learn factors to consider in determining how much life insurance is needed and different types of insurance to consider.
  6. Estate Planning: It is for Everyone!
    • Proper planning of your estate is not just something reserved for the rich. Everyone should know how to plan.
  7. Investing Today
    • This workshop will provide you with in-depth information about investing and common investing terminology to help you make informed decisions.
  8. Education Financing for Your Young Children
    • Provides insight and guidance for the major financial decisions that you may have to make when sending children to college.
  9. Education Financing for Your Teenagers
    • Exploring financial aid and cash management solutions.
  10. Income Tax Strategies
    • Learn how to pay your fair share but not more, different state and local treatments, tax rules for home sales, contributions and child care and keeping accurate records.
  11. How Do I Prepare to Care for My Mom and Dad?
    • This educational workshop will help individuals prepare for the associate risks of a longer life including care giving responsibilities and expenses.
  12. Getting Ready for Retirement
    • You will learn decisions to be made, what Medicare does not cover, supplement plans, Part D prescription coverage, and long term care planning.
  13. Retirement Healthcare
    • As people approach retirement, a common concern is the answer to the question “What happens to my Health Insurance?”
  14. Retirement Income Planning
    • Learn the steps to create an income strategy and how to manage common retirement risks.
  15. Social Security: An Understanding and Strategies
    • This workshop shares information about Social Security, the original source of guaranteed income for life.
  16. Roadblocks to Retirement
    • There are some common mistakes that retirees have a tendency to make over and over again.
  17. Women and Investing: Planning Your Financial Journey
    • This workshop focuses specifically on women and their ability to achieve financial success.
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