Retirement YOU Course hosted in Clovis, CA
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Retirement YOU Course hosted in Clovis, CA

Join us for an educational retirement planning seminar.

By Rob Putnam

Date and time

Tuesday, May 28 · 6:30 - 8pm PDT

Location

Clovis Community College - Herndon Campus - Building B

390 West Fir Avenue Clovis, CA 93611

About this event

  • 1 hour 30 minutes

WHY THIS CLASS MATTERS

Many of the retirement strategies utilized by our parents have grown outdated and may no longer have application for those looking to retire today. This class compares and contrasts the old retirement paradigms of yesteryear and the new paradigms of today. Attendees will discover how to insulate themselves from the risks of rising taxes, Social Security taxation, and how to avoid common mistakes that increase the chances or running out of money as you distribute your assets in retirement.

RETIRING TODAYTAX RATE RISK

  • Why experts say tax rates could double
  • How rising taxes may affect your retirement cash flow
  • The “Catch 22” of 401k’s and IRA’s
  • How lost deductions may affect your taxes in retirement

RETIREMENT INCOME PLANNING

  • The three basic retirement accounts
  • How to accumulate dollars in the right types of accounts for future retirement income
  • What’s better for you: tax-deferred or tax-free accounts?
  • How to define a “true” tax-free investment
  • When should you convert to a Roth?
  • How IRA’s and 401k’s cause Social Security taxation
  • Strategies to reduce or eliminate taxes in retirement

MAXIMIZING SOCIAL SECURITY

  • The causes of Social Security taxation
  • The Social Security thresholds you need to be aware of
  • The real cost of Social Security taxation
  • Strategies to eliminate Social Security taxation
  • Social Security maximization strategies

RETIREMENT DISTRIBUTION PITFALLS

  • How the new rules on “Rate of Withdrawal” affect People Nearing Retirement
  • How to ensure you won’t run out of money in retirement
  • How to liquidate retirement assets in the right order
  • How to eliminate “sequence of returns” risk

WHY LOSSES DURING RETIREMENT MATTER

  • Is “buy and hold” appropriate in retirement?
  • How to safeguard against two types of investment risk
  • How to shield your assets from stock market volatility
  • Why “asset allocation” alone may not be enough
  • How to truly diversify your retirement portfolio

FREQUENTLY ASKED QUESTIONS:

Is there a cost to attend? No, there is no cost to attend.

Do I need to bring anything? No, you will be provided with pen and paper to take notes.

Will any investments or investment products be discussed? No, there will not be any discussion of any investments whatsoever.

Will I be pitched or sold anything? No. Our classes are strictly educational. The most common feedback we receive is how nice it is to attend a truly educational workshop with no pressure.

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Organized by

Rob Putnam

Founder + Financial Advisor

Rob is a financial advisor and founder of Putnam Financial. He is passionate about guiding investors through the three phases of their financial life: asset accumulation, asset protection and asset distribution.

Rob is licensed with the California Department of Insurance as a Life Agent. Since 2003, Rob has accumulated over 800 clients and has over $120 million in assets under management. As an independent financial advisor, Rob is able to offer a wide array of investment choices to his clients. He is beholden to no one except the client, which means he has the freedom to offer solutions that help address their unique situation. In 2016, Rob chose not to renew two licenses that would have enabled him to continue to offer risk-based investments. The most important thing Rob has learned in his decades of experience in this industry is that his clients do not want to participate in risk-based investments. In fact, Rob has not lost a single dollar of his clients’ money. His decision not to renew these licenses has aligned Rob perfectly with his company motto: “It’s your money. It’s not a game”

Rob has the knowledge to be able to assemble a comprehensive financial plan tailored to each individual client’s needs, goals and dreams. Rob provides this as a value-added service for his clients and not for a fee. However, if a client seeks a fee-based investment plan Rob will accommodate those clients.

Rob may not have all of the answers, but what he does have are resources. He has aligned himself with the most reputable and distinguished attorneys and CPA’s in Visalia. What this allows Rob to do is assist his clients with comprehensive estate and tax planning. These relationships allow his clients to meet with these professionals for free consultations so hundreds of dollars aren’t wasted.

With Rob you get independent, unbiased, financial advice and access to resources that can help you reduce taxes, build an estate and grow your investments with as little as possible for you and your family. Moreover, Rob seeks to work with clients over the long term. Relationships are not built on one-time- transactions. They are built by developing lasting, meaningful relationships.