This course walks participants through the five phases of an IRA—from accumulation through beneficiary transfer—highlighting how tax-deferred growth, required minimum distributions, and life events can significantly impact total taxable income. Attendees will learn how to proactively manage the “tax control window,” understand key legislative changes, and explore strategies such as Roth conversions, distribution planning, and legacy planning to reduce lifetime taxes and maximize wealth for themselves and their heirs.

This course provides a comprehensive overview of Social Security, covering how benefits are calculated, when to claim, and the long-term impact of timing decisions on lifetime income. Participants will explore key factors such as full retirement age, early vs. delayed claiming, inflation adjustments, and five strategies to help maximize benefits while coordinating Social Security with their broader retirement income plan.