EASE Into Retirement

Start by getting specific with what most consider a four-letter-word; B-U-D-G-E-T! Get specific. Total all your personal sources of income and subtract to determine your potential GAP. Determine the Three Bucket Strategy; At risk or insured, that best fits your internal risk tolerance. For more information go to: www.mosleywealthmanagement.com

When you retire your income will generally not come from employment but from assets you have set aside, plus Social Security. Social Security claiming decisions are often complex, so get specific advice, not just general information. Pensions, Rentals, and Royalties are often common sources of retirement income. For more information go to: www.mosleywealthmanagement.com

9. Estate Tax thresholds are huge right now, but there may be a storm cloud building on the horizon. 10. You actually get a little added standard deduction bonus once you reach age 65. For more information go to: www.mosleywealthmanagement.com

6. Required Minimum Distributions from multiple IRAs or multiple 401ks are treated differently. 7. The due date for the first RMD is December 31st or April 1st, no fools! 8. Life Insurance proceeds pass tax free to the beneficiaries. For more information go to: www.mosleywealthmanagement.com

3. ROTH IRAs -What? No taxes when the money comes out? 4. ANNUITIES are taxed in different ways depending on whether they are Qualified (IRAs) or Non-Qualified accounts. 5. RMDs now start at 72. That's Required Minimum Distribution For more information go to: www.mosleywealthmanagement.com

1. Will my tax rates decrease or increase in retirement? That all depends on deductions, the go-go years and future tax rates. 2. Are social security benefits taxable? Yes! It all depends on your provisional income total. For more information go to: www.mosleywealthmanagement.com

There are 3 general "buckets" of investments - income, emergency, and growth You can leave all three at various risk levels in the stock market. You can help ensure your income for life while leaving your emergency and growth "buckets" in the market. You can split your income "buckets" between market risk and insured income while leaving your emergency and growth "buckets" all in the market. For m...

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Tom will discuss how to handle pensions in retirement. A Pension is an annuity-like financial vehicle that can pay an income for life. The positives and negatives of keeping and talking a pension The positives, negatives, and options for rolling over a pension For more information go to: www.mosleywealthmanagement.com

Fix Your Roof Before It Starts Raining! A Will or a Trust! That Is The Question - For A Professional! Got One - But It Might Need Up Dating. Would A Small Life Insurance Policy Help My Family At My Passing? For more information go to: www.mosleywealthmanagement.com

1) The Do Over- First 12 months of claiming social security 2) The Breadwinner provision 3) Working and receiving social security For more information go to: www.mosleywealthmanagement.com

Traditional IRAs and 401k's Roth IRAs Social Security Pensions Stocks, Bonds and Mutual Funds Annuity Dividends  Municipal Bonds CD's, Saving Account and Money Market Savings Bonds For more information go to: www.mosleywealthmanagement.com

What is a market correction? What triggers a market correction? What does a market correction mean for my investments? How long could the market take to recover? For more information go to: www.mosleywealthmanagement.com

Investments Taxes Health Care Legacy For more information go to: www.mosleywealthmanagement.com