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Modern Retirement Planning

This is a comprehensive course designed to address retirement issues in an unbiased, educational environment.  This course will provide you with the pros and cons of many popular strategies.

Learn how to

      » set goals

     » address inflation

     » avoid mistakes

     » evaluate investments

     » manage risk

     » manage taxes

     » plan your estate


Financial Educators Network gives you the resources to identify your needs and structure (or restructure) a retirement plan that is suited to your personal objectives and lifestyle.

Addressing retirement issues & concepts in an unbiased educational environment


Modern Retirement Planning™ is a workshop study designed to help individuals comprehend the principles for successful retirement. You will learn how to set reasonable goals based on your personal means. You will be introduced to the concepts and terminology that are so frustrating to individuals approaching retirement age. The course is not biased toward any company or product, but rather focuses on the concepts needed to make informed decisions. With knowledge, you gain confidence. With confidence, you gain control. Take control of your retirement!


Appropriate for Adults Ages


Individuals who have already retired, are nearing retirement or are developing a retirement strategy can benefit from this course. 21st century retirees face many new challenges. You will discover ways to insulate yourself from the risk of rising taxes, how to enhance your Social Security benefits and strategies to protect against unexpected health related expenses.


Objective, unbiased, up-to-date instruction


The six-hour course will be taught in two three-hour sessions by local financial professionals. These qualified instructors bring years of experience and real-life stories to the classroom helping illustrate difficult financial concepts and strategies. If you have personal concerns or questions about your situation, you may arrange to meet privately with the instructor. This opportunity is offered at no additional charge to students and guests of students. This session is optional and is meant to provide attendees with additional value although it is not require to complete the course. 


Education is knowledge and knowledge cultivates confidence


To enable you to make effective retirement decisions and to prepare you to more confidently exert control over your retirement planning process.

Estate Planning Team

Financial Educators and the Estate Planning Team can help you defer capital gains taxes without reinvesting in a replacement property through the use of a Deferred Sales Trust.


Those of us who own businesses, corporations, and commercial or residential investment real estate assets are often reluctant to sell because of capital gains taxes associated with the sale. But what other choice do we have other than a property exchange directed by a Qualified Intermediary? Is there another way to deal with the capital gains tax deficits that so many investors experience when they sell their real estate assets? The answer may lie in the Deferred Sales Trust™.

This capital gains tax deferral tool could save you thousands of dollars, and at the same time, you would then have the opportunity to potentially make a profit on the money you would have paid to Uncle Sam in the year of the sale. Obviously, this strategy is gaining popularity among those who have highly appreciated assets that are marked for sale. You, too, can potentially take advantage of this program once you understand how it works.

The process starts when a property owner sells their property to a trust owned by a third-party company. The trust sells the property or stock. Next, the trust "pays" you. The payment isn't in cash, but with a payment contract called an "installment contract." The contract promises to make payments to you over an agreed period of time. There are zero taxes to the trust on the sale since the trust "purchased" the property from you for what it sold it for. The payment is made with an installment contract which makes payments to you over an agreed period of time.

The options on when and how payments can be made are flexible. You may have other income and don't need the payments right away. The tax code doesn't require payment of the capital gains until you start receiving installment payments. The capital gains tax is paid to the IRS with an "installment plan" since only that portion of capital gains is due in proportion to the number of years established in the term of the installment agreement.

The Deferred Sales Trust™ has the potential to generate more money over the long run than a direct and taxed sale.


For a FREE tax savings analysis on a commercial or investment property, or a stock or a business you own, please complete the form by selecting the “Begin Analysis” button.

A member of Estate Planning Team will call you with the results of our analysis.

Savvy Social Security Planning

Social Security can be a big part of retirement income.  Understanding Social Security benefits is not easy and mistakes can be costly.  We provide answers to some of the most common questions associated with Social Security and the benefits it provides. In this class you can learn about: file and suspend – claim now or claim more later – divorce and survivor benefits.