High School Senior Seminar (7 / 1-hour sessions)
RERCNA offers high school seniors the opportunity to attend seminars that are designed as awareness programs. The programs are geared to help high school seniors think of how their actions and decisions as young adults can affect their future financial position. Seminars are conducted by industry professionals. Topics include:
Credit Reports—Understanding a credit report and how it can positively and negatively impact a person’s ability to financially develop your personal plan. The program discusses how to build and maintain a positive credit report, how to make corrections, and the consequences of a poor credit history.
Loans and Debt—Student, car, and personal loans, credit cards and mortgages; the power of borrowing money and the positive and negative impact each type of loan can have on your credit.
Car Insurance—Understanding car insurance terms, how it works, consequences of a poor driving record, and how it can impact a person financially.
Budgeting—For life, now and future and for planning major life projects.
Decision Making—Thinking through the risk and consequences of a decision; weighing the positive and negative impacts, both socially and financially.
Health Insurance—When, why, and how much insurance a person needs or wants; weighing the individual’s and family’s needs and comparing the needs to what insurance is available.
Bringing It All Together—How the topics discussed can affect you throughout life.
Seminars are held one evening a month for seven months. Students that attend all seven seminars will participate in a scholarship.
Our programs are also available to take online at www.ThinkSmartz.com in cooperation with the Florida Department of Financial Services.
RERCNA has partnered with the Florida Department of Financial Services by offering instruction through their financial education programs.
Click here for more information.
Undergraduate Seminar (2 days)
This program is designed to educate and inform business, law, and finance majors about the fundamental aspects of a comprehensive retirement plan, from saving and investing to protecting assets from long-term care and taxation. The program is a nuts-and-bolts seminar covering the understanding of terms and practices and examining how elements work and interact. Topics of discussion include trust documents, taxes, insurance, and investment programs. This seminar is designed for students studying accounting, law, risk management, and finance. The text Positioning 4 Retirement is a requirement for this seminar. It is recommended that the text be read prior to the seminar for maximum comprehension of the seminar.
Course Outline
- Brief review of qualified and non-qualified assets and how they interact in a retirement portfolio as discussed in Positioning 4 Retirement.
- Basic understanding of trusts and when to build them.
- Insurance and investment tools used for retirement, creating incomes and asset protection.
- Taxation during retirement, both individual and, if in a trust, its taxation.
- Advantages and disadvantages of a comprehensive retirement plan.
The presenters are industry professionals in estate and elder law, certified public accounting, and insurance and securities advisors.
Graduate Seminar (2 days)
This seminar is an extension of the undergraduate seminar (a prerequisite). This program examines cases and builds on their knowledge through a group workshop utilizing case studies. Topics include interacting trusts, taxes, and financial portfolios, building income streams, and comparing asset-based long-term care plans and their effect on taxation.
Course Outline
- Revocable and irrevocable trusts and their interaction with all assets and for Medicaid planning.
- Long-term care planning, implementation of asset-based and standalone plans.
- Tax planning when establishing and implementing trusts and long-term care plans.
- Integration and strategic position of the legal, tax, and financial profiles to create a comprehensive retirement plan.
The presenters are industry professionals in estate and elder law, certified public accountants, and insurance and securities advisors.
- Group Seminars and Workshops
- One-on-One Sessions
Group Seminars and Workshops (The Distribution Phase)
The seminar will present an overview of the concepts presented in the book, Positioning 4 Retirement. It will be t, followed by a discussion on the implementation of the strategic placement and planning techniques in order to create income streams needed( required) during retirement. A brief overview of trusts and asset protection will be discussed. Creating and implementing a long-term care plan designed for different situations will be discussed. Comparing and analyzing programs offered by insurance and investment companies in regard to long-term care, Medicaid, taxation, and estate planning concludes the seminar.
The presenters are industry professionals in estate and elder law, certified public accountants, and insurance and securities advisors.
One-on-One Sessions
One-on-one sessions are designed for the individual or couple who want privacy and direct exposure to the RERCNA team of professionals. Reading Positioning 4 Retirement prior to the session is a requirement. It is to the advantage of the individual or couple to attend the group seminar and workshop as well. Since the focus is specifically on your information, presenting documents such as trusts, will, POA, etcetera are not necessary; however, their availability will maximize the session. One-on-one sessions generally last one to two hours and usually include at least two meetings. In the primary session, we discuss your objectives and an overview of assets. The second session is a presentation of options to meet your objective. Additional sessions are based on the outcome of the prior sessions.
- Financial Institutions (banks, credit unions, insurance and investment companies)
- Employer Sponsored
- Client Enrichment (group or private)
- Law Firms and CPA Practices
RERCNA offers industry enrichment programs to educate clients and employees professionally and personally. The enrichment program is divided into four categories: legal, tax, insurance, and investment. Categories can be combined or kept separate, depending on the institution’s preference and objective.
Topics for consideration are:
- Accumulating for the distribution phase; way to minimize income tax during retirement.
- The distribution phase, what to expect, health insurance, Medicare, and Social Security.
- Estate and long-term care planning using public and private programs.
- Estate tax planning and your financial portfolio.
- Your overall estate and tax plan, encompassing all areas—legal, tax, insurance, and investment.
