Are you paying too much in taxes in retirement? Today’s retirees need to know what their “after-tax” retirement savings looks like BEFORE retiring!

Join us Thursday, September 17th or Tuesday, September 22nd at 6:30PM in Clemmons for our free workshop Smart Tax Planning in Retirement. There is no cost to attend this event, but seating is limited and advanced registration is required.

Legislative changes and new rules around RMDs, ROTHs, catch-up and charitable contributions, Long Term Care and Surviving Spouse benefits could affect how much of your retirement income you keep.

What does all this mean for you? How you plan for taxes during retirement can impact your lifestyle.

We’ll discuss:

• How to potentially pay far less on your retirement income
• How recent tax reforms could affect taxes on your Social Security, pensions and retirement accounts
• How and when you can use taxable, tax-deferred, and tax-free assets to manage your income and tax brackets efficiently
• How to avoid tax time bombs in your IRAs
• How to create tax-free income from your current qualified accounts moving forward
• How Qualified Charitable Distributions can be a tax-smart way to support charitable giving

Meet your presenters: Doug Ray, MBA, ChFC, RICP®, President, Brice Payne, RICP®, Investment Adviser Representative and Garrett Ray, MBA Investment Adviser Representative. The Wealth Guardians team have helped hundreds of local families make informed decisions on tax mitigation as part of their overall retirement plan. We look forward to helping you, too.

A light dinner will be served. This is an educational event and no products will be sold. The material covered during these events is most applicable for adults aged 58+. In addition, the tax and Social Security strategies we discuss are designed for those with at least $400,000 saved toward retirement.

Please no children, brokers, advisors or other agents.

Join us Thursday, November 5th or Tuesday, November 10th at 6:30pm in Clemmons for our workshop – SOCIAL SECURITY PLANNING – Maximizing Your Benefit. There event is free to attend, but seating is limited and registration is required.

No matter how much you’ve saved for retirement, one of the most important elements of retirement income planning is understanding how Social Security works to ensure you’re getting every penny you’re entitled to. Maximizing your Social Security can extend the life of your other retirement assets and ultimately put more money in your pocket.

Making the best decision about when to apply for your Social Security is complex and can make a substantial difference in your income and standard of living in retirement. Social Security is too important to leave to guesswork.

Join Doug Ray, MBA, ChFC, RICP ®, Brice Payne, RICP ®, Investment Adviser Representative, and Garrett Ray, MBA, Investment Adviser Representative for this must-attend educational event. Both Doug and Brice also hold the National Social Security Advisor accreditation.

Topics to be Discussed include

• How to reduce taxation on your Social Security after you start receiving your benefits
• How spousal and survivor benefits can impact your claiming strategy
• How special claiming strategies may increase your total benefits
• How to avoid common mistakes that could cost you thousands in lost benefits
• How to plan Social Security with all other sources of retirement income and potentially pay far less on your income

Legislators have proposed a host of changes to Social Security and Medicare including raising the payroll tax cap, the retirement age, the way cost-of-living adjustments are measured and rules for ancillary benefits. NOW is the time to get the facts about your benefit options.

The Wealth Guardians have helped hundreds of local families make informed decisions on Social Security filing strategies as part of their overall retirement plan.

A light dinner will be served. This is an educational event and no products are sold.

The material covered during these events is most applicable for adults between the ages of 59 and 65 who haven’t yet claimed their Social Security benefit. In addition, the tax and Social Security strategies we discuss are designed for those who have saved at least $400K or more for their retirement. Please no children, brokers, advisors or other agents.

Registration Opens October 15th.