Tax planning in retirement can be harder than you think! Your tax rate may vary widely over the years based on the timing and order in which you use different sources of money to pay for your living expenses. You want to apply the tax code in an organized and efficient way. Join us as Deanne Rosso, President/CEO and Wealth Adviser at VFS, educates attendees on retirement tax strategies that will:

• Identify the types of taxes you will face at various stages
• Address how taxes impact Social Security and Medicare
• Plan when to tap different accounts so you don’t overpay taxes

At this workshop, you will learn:

• The critical tax question you must answer BEFORE retirement
• The surprises that often make retirement more expensive
• What the Social Security “tax trap” is an how you can avoid it
• Why tapping assets in the wrong order can trigger higher Medicare premiums
• Why you need to manage taxes even before you retire
• The four stages of retirement and important tax action is each stage, including tricky IRA challenges
• Mistakes to avoid when it comes to your investment portfolio, health care, and estate

Questions?

marketing@vickeryfinancial.com

When to start taking your Social Security benefit is one of the most important retirement planning decisions you will face. You’ve been paying into the system your whole working life. Learn how to get the most out of it.
Have you been wondering:

• How much will my benefit be reduced if I claim Social Security at 62?
• Is it worth it to wait until my “full retirement age?”
• Why would anyone want to delay starting Social Security until 70?
• How will my Social Security claiming decision impact my spouse?
• I wasn’t in the workforce very long, how much Social Security can I expect to received based on my spouse’s benefit?
• I am divorced. Can I claim a benefit based on my ex’s Social Security benefit?
• The news headlines say the Social Security Trust Fund will run dry by 2035. What will happen to my benefits?

In this half-hour presentation, you’ll learn:

• How your Social Security benefit is determined.
• The rules for when you can claim your Social Security benefit.
• The penalties for claiming Social Security before your “full retirement age.”
• How to estimate the “credits” for a delayed claiming strategy.
• The rules for Spousal Benefits and Survivor Benefits.
• The rules for Divorced Spousal Benefits and Divorced Survivor Benefits.
• The future outlook for Social Security.

Questions?

marketing@vickeryfinancial.com

If you are retired, planning to retire, or concerned about retirement, join our 30-minute Webinar that will help you understand how to begin making important decisions.

Questions?

marketing@vickeryfinancial.com

Details coming soon!

Questions?

marketing@vickeryfinancial.com

Are the kids going to be alright? Financial results come from the small decisions we make and actions we take every day. You are the most influential financial teacher your child will ever have, so join us for some tips on teaching them the importance of making good financial decisions and learning from their mistakes.

Questions?

marketing@vickeryfinancial.com

Help save money on your children’s college tuition with proper planning. Learn how to evaluate financial aid letters, how parent and child assets impact financial aid packages, and explore key college funding data.

Questions?

marketing@vickeryfinancial.com

Confused about Medicare? If you are retired, planning to retire, or concerned about retirement health care expenses, we will help you understand how to begin making important Medicare decisions.

Questions?

marketing@vickeryfinancial.com

Have questions about cybersecurity? We can help! Learn about common scams, how to stay safe, and how to fight back.

Questions?

marketing@vickeryfinancial.com

Make sure you are progressing toward your financial goals and that you have a plan for next year.

Questions?

marketing@vickeryfinancial.com

Touch, Change, Improve, Impact, and Provide

We are all philanthropists through our payment of taxes that supports our society and humanity. The big question is, do you want the federal and state government to decide on the impact you will have, or do you want to take more control and potentially redirect what you could pay in taxes to the people, causes, and organizations you care about?

Questions?

marketing@vickeryfinancial.com