Lundervold Financial’s
Blueprint for Financial Clarity Seminar

This financial seminar in Oakdale, Minn., outlines our signature five-point process to help you create a strategy
for retirement and your financial future.

Blueprint for Financial Clarity Seminar: 5 Points to
Help Prepare for Retirement

This financial seminar in Oakdale outlines our signature five-point approach to help you create a comprehensive financial plan for retirement and your financial future.

The Lundervold Financial Blueprint for Financial Clarity™ was developed to help ensure every element of your financial planning is adequately addressed. The Blueprint for Financial Clarity Seminar discusses this five-point approach. The purpose is to help you understand the components of a financial plan and understand why financial planning is important.

Retirement Income Planning

The big question for everyone planning their retirement is, “Will I have enough to retire?”

Increasing life expectancies, rising inflation and health care expenses have combined to make retirement more costly than ever. In anticipation, many are taking steps to shore up their financial plans and be sure they have a strategy that fits their goals.

The Blueprint for Financial Clarity Seminar will help you understand the purpose of a financial plan. Planning to live on savings for 25-30 years is not easy, but we help you understand the process. We break each step down, showing you ways to plan ahead.

When you retire, much changes. Some expenses may go away while new ones will appear. If you have a pension, this too will need to be factored into your calculations.

As part of the retirement income planning portion of the seminar, we will also discuss investment strategies.

Investment Strategy

Once you know the potential options available to you for investing your money, you will want to develop a strategy. To be effective, your strategy must fit your lifestyle and goals. Some of the things we ask you to consider in your investment strategy:

  • Where is your money invested now? Is your money invested where it will do the most good, or where it will help you reach your financial goals?
  • What is your tolerance for risk? Every investment carries some risk, but certain stocks and portfolios are may carry more risk than others. Of course, higher risk could potentially mean higher returns, but lower risk may better fit your specific goals in retirement.
  • How hands-on do you want to be with investment management? Do you want to make the stock purchase and selling decisions, or would you be better served with a broker?
  • How liquid will your investments be? Will you want fast access to cash for emergencies, or are you comfortable locking in your investment dollars long term?

Tax-Efficient Strategies*

It has been said that only two things in life are certain … taxes being one of them. When considering your investment options, you want to consider how each impacts your taxes now and post-retirement.

Some investments offer deferred tax treatment while others do not. Still, each investment vehicle will include tax benefits or liabilities either now or when the funds are liquidated.

Remember that the IRS uses a progressive tax system that does not change when you retire. Your investments could place you in a higher tax bracket. Knowing how to plan ahead is vital to planning for as much of your income as possible.

Although we are not permitted to offer tax or legal advice, the tax planning portion of the seminar will provide you with considerations to help youbuild a tax-efficient strategy. Remember that it is important to also work with a qualified tax professional before making any purchasing decisions.

Advance Health And Long-Term Care Planning

Did you know? (Statistics from the U.S. Department of Health & Human Services):

  • 70% of people over 65 need some type of long-term care (LTC).
  • Women need LTC longer (3.7 years) than men (2.2 years).
  • 20%  of 65-year-olds need long-term care for more than five years.

In other words, as you likely already know, long-term care planning is a must for anyone retiring. Knowing how much is needed for long-term care, however, can be tricky.

The purpose of this portion of the seminar is to help you understand how we calculate how much you may need for LTC. You will learn what Medicare parts A, B and D cover, what options you have for potentially improving your coverage situation, and who you need on your advance care planning team.

Legacy & Estate Planning*

Taxes are so certain in life that some of your assets will be taxed once you are gone. As part of your retirement planning, you want to consider how you can leave something to your loved ones without creating a financial burden for them.

In the legacy and estate planning portion of the seminar, we talk about succession planning, ways investors help protect their IRAs from excessive taxation, and more.

While we are not able to provide tax or legal advice, we can equip you with the information you need to have a fruitful conversation with your attorney or accountant. This will help you with estate maximization, the closing of financial gaps which are common in many estate plans.


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