Financial Strategies for Joyful Retirement

Now being conducted in

 

 Edmonton North, Alberta

Location:  Northern Alberta Institute of Technology

 

A Financial Education Class

 

Over 6 hours of instruction that can change the rest of your life!

If you are over 40, close to retirement or already retired, you cannot afford to miss this informative program.

Learn what you need to know about these retirement planning issues and more

  • Determine if you are ready to retire early
  • Integrate your finances with your goals and values
  • Use new tax laws to your advantage
  • Properly allocate your assets within your retirement plans
  • Ask the right questions when evaluating insurance coverage
  • Discover how to maximize your income without unnecessary financial risk
  • Ensure your estate plan still functions properly under new laws

Class Options

NEW! We’ve added additional Classes!

UPDATE:  Following recent health and safety recommendations pertaining to  COVID-19 in Canada, our in-person classes have all been cancelled until further notice.  

We have created an online webclass for students who are interested in attending from the comfort of their home. 

Saturday Class

One Day Accelerated Course 

NAIT

The Productivity and Innovation Centre

10210 Princess Elizabeth Ave, NW

Edmonton, AB 

Room # PIC 234

April 25th, 2020

9:00 AM to 1:30 PM

Tuesday Evening Classes

Two Day Course 

NAIT

 The Productivity and Innovation Centre

  10210 Princess Elizabeth Ave, NW

Edmonton, AB 

Room # PIC 234

 April 21st & 28th, 2020

 6:00 PM to 9:00 PM

 

What our students are saying about their experience…

My wife and I attended the seminar on Sep 25 and Oct 2, SNOW DAY. I will be retiring next year and I wanted to learn more and confirm the retirement plan I have in place. The course was very helpful. Good ideas and plans for retirement. Facilitator was very knowledgeable and friendly. Great course to take earlier in life rather than just before retirement . Having an early plan is the best. I recommend the course to all including family and friends.

Tony Khourieh - Calgary, Alberta

My husband and I thoroughly enjoyed our classes. The information given was invaluable and presented in a clear and professional way. We would recommitted this class to people of all ages, but especially those nearing retirement.

Sharon Higgins - Calgary, Alberta

My husband and I attended a seminar recently. We found it to be a practical and enjoyable seminar, assisting us with financial planning in advance of his retirement. We recommend this to other.

Sharon Higgins - Calgary, Alberta

Still 10 years away from retirement, but the seminar was very useful to set us on the right track. Didn’t really know much about Saving for retirement prior to attending the seminar. Would recommend to anyone who wants to intelligently manage their money.

Sandi Tymchuk - Edmonton, Alberta

I wish I would have taken this course years ago. It was a real eye opener!! Not only do you get a lot of information in the materials provided, they also give tips on various tax and investment benefits I didn’t know about. The planning part can be arduous as you gather your expenditures but that in itself was well worth the effort – makes you realize where every cent you spend goes and so easy to change a few bad habits and save money! Why wouldn’t you want to have a plan way before retirement.

Karen Butchko - Calgary, AB

I learned many interesting and valuable tips at this course and would recommend it to anyone, if you are close to retirement or just at the age where you should start planning.

Maranne Lupson Carnegie - Waterloo, Ontario

Well presented with useful, practical information to take away and put into action. Highly recommended for any age. Lynn is knowledgeable and a skilled presenter.

Julia Jamieson - Waterloo, Ontario

I am planning to retire in the very near future and found this very informative and well presented. Valuable information was given regarding investment, taxation, estate planning etc. I highly recommend attending.

Sherry Scott - Truro, NS

This seminar is a great way to update what we all need to know financially as Canadians and Ontarians in 2019! The information is well organized in the workbook, and (the instructor) makes it interesting with real life stories. Definitely time and money well spent!

Rick Beutler - Ontario

My wife and I attended the seminar on Sep 25 and Oct 2, SNOW DAY. I will be retiring next year and I wanted to learn more and confirm the retirement plan I have in place. The course was very helpful. Good ideas and plans for retirement. Facilitator was very knowledgeable and friendly. Great course to take earlier in life rather than just before retirement . Having an early plan is the best. I recommend the course to all including family and friends.

Tony Khourieh - Calgary, AB

It was a great presentation but I would like more on investing. How I can invest to retire soon.

Guylaine Krozser - Saskatoon, SK

My husband and I thoroughly enjoyed our classes. The information given was invaluable and presented in a clear and professional way. We would recommitted this class to people of all ages, but especially those nearing retirement.

Sharon Higgins - Calgary, AB

Best to attend a little while before retirement as there is lot of info on how to plan for it. However, as an already retired person, I did come away with useful information on how to manage our finances and end of life decisions.

Deborah Thomas - Burnaby, BC

Helpful information to start planning for future retirement.

Andrew Harwood - Ottawa, ON

Great seminar! Very informative and very easy to follow.

Paul Greenberg - Ontario

I attended the session at MUN on September 28. The presentation was well done, subject material relevantt, the venue was comfortable, and the snacks were great on an early Saturday morning. Well done!

Sharron Callahan - St. John's NFLD

I found the seminar to be very helpful towards my retirement. There was lots of information I didn’t know and some that helped me clarify stuff in other areas. I would recommend this course to anyone.

Marie Calford - Midland, Ontario

This seminar is highly recommended for anyone approaching retirement in 2, 5 or 10 years. Excellent instructors, foundational content clearly presented and easy to understand.

Wendy Yurka - Calgary, Alberta

Still 10 years away from retirement, but the seminar was very useful to set us on the right track. Didn’t really know much about Saving for retirement prior to attending the seminar. Would recommend to anyone who wants to intelligently manage their money.

Steve Moores - Edmonton, AB

An ounce of prevention is worth a punt of cure and a whole lot of potential financial heartache. Excellent info to assist with planning 🙂

Ian McCulloch - Calgary, AB

My husband and I attended a seminar recently. We found it to be a practical and enjoyable seminar, assisting us with financial planning in advance of his retirement. We recommend this to other.

Sandi Tymchuk - Edmonton, AB

I attended the seminar Sep 25 / Oct 2, 2018 and was so happy I did! The information was valuable, the material was well organized, the workbook is a take-home treasure and the instructor was engaging and entertaining. This course not only prompted me to change my action plan for our finances, but also to think differently about the whole life-shift of retirement. Ironically, this course would be even more valuable to those in their 30’s and 40’s because I realize now I’ve missed out on some great opportunities.

Jeannette Folan - Halifax, NS

Great seminar for everyone regardless of age or knowledge level. Not only did we get the benefit of all the material covered in the classroom presentation, everyone was offered a one on one consultation at no extra charge at a later date. We definitely took advantage of this extra perk. Well worth the time for planning your retirement. Thanks!!

Tina Marie Davidson - Moncton, NB

We found the seminars and the presenters very enlightening. We are at the point of transition to retirement and seeking information and suggestions. Left the seminar with a list of questions and things to research. This is what is needed. To plant seeds of inquiry.

Brian Laycraft - Calgary, AB

I recommend this class not only to 40+ age group, younger generations could defiantly benefit from this. I found lots of great information that helped me plan for a better future 🙂

Gabrielle Cormier - Moncton, NB

AGENDA

Retirement Planing issues to discuss with your financial professional

LIFE PLANNING FOR RETIREMENT

  • Traditional vs. New retirement
  • How to retire by design (with goals) not by default
  • The Retirement Planning Process

INVESTMENT PLANNING

  • Why you want a cash reserve
  • Consideration before you invest
  • What are debt investments: Stocks and GICs
  • What are equity investments: Stocks and Dividends
  • Types and benefits of mutual funds
  • What is the appeal of segregated funds and their appeal
  • What are Managed portfolios
  • What are tax-deferred accounts
  • Investment risks

RISK MANAGEMENT & HEALTH CARE

  • Prepare for the unexpected
  • Key questions to ask in assessing health care risk
  • Disability insurance coverage
  • Long term care and insurance
  • Using life insurance to protect income

TAX PLANNING

  • The four buckets approach to tax planning
  • Using Registered Retired Retirement Funds (RRIFs)
  • When to convert RRSPs to RRIFs
  • How a “locked in” RRSP (LIRA) is set up
  • Tax friendly ways to withdraw your retirement income
  • Breaking down common investments and how each is taxed

INCOME PLANNING

  • Determine how much money you’ll need
  • Early retirement trends
  • How long must your money last?
  • Estimate your expenses. What’s essential? What’s not?
  • Avoiding common mistakes
  • Impact of inflation
  • Registered Retirement Savings Plans (RRSPs)
  • Strategies for Spousal Contributions
  • Pension plan options

LEAVING A LEGACY

  • The importance of Estate Planning
  • Planning for incapacity
  • Taxes must be paid
  • To probate or not
  • Trusts are just for the wealthy, true or false?
  • Joint ownership of accounts
  • Reducing taxes with gifts to charity
  • The high cost of dying without a will

RETIREMENT ROAD BLOCKS AND MISTAKES

  • 10 retirement planning mistakes
  • Understanding the different types of risk
  • Credit and debit in retirement
  • How the Tax Free Savings Account (TFSA) works
  • Start Canada Pension Plan too early or too late

OPTIONAL CONSULTATION AND ANALYSIS

WHO SHOULD ATTEND
The material is relevant to those planning their retirement, close to retirement or already retired. The workshop curriculum is designed for people who are serious about gaining money management knowledge.
KEY RETIREMENT PLANNING ISSUES
This workshop will help you prepare for financially secure retirement, maximize your income and get the most from your investments. You will also learn how to protect your hard-earned money from inflation, taxes and erosion due to possible health care needs. The information you receive will pay dividends for the rest of your life.
LEARN AT YOUR OWN PACE
Take it one step at a time. These workshops are conveniently presently over several hours of classroom time to give you the opportunity to absorb and reflect on the information presented and more time to address there issues that are important to you personally. The registration fee includes and illustrated 130 page color workbook that is yours to keep as a valuable reference tool and a record of your progress. This workbook provides an interactive learning experience with informative charts and graphs, as well as examples and questions.
NO SOLICITATION
As this is an educational program, there will be no promotion or solicitation of financial products. Examples and illustrations will be generic, without reference to specific products and services. Questions about specific situations or investment portfolios will be answered during a personal consultation.
PERSONAL CONSULTATION AND ANALYSIS
Registrants are entitled to an optional, personal financial planning consultation at no additional cost or obligation. You will be assigned homework during the course, and based on the information you provide, your instructor can prepare a personal financial analysis. This in also your opportunity to ask questions specific to your financial situation. the session will help you identify your personal financial objectives and develop a plan to achieve them.
ENROLLMENT FEE
The advance enrolment fee is $95 and includes one workbook and all course materials. You may bring your spouse or a guest at no additional cost. You may purchase an additional workbook if you choose.

Qualified Instructors

Scott McCartney

Speaker and Financial Educator

Scott McCartney is a well known speaker and financial educator who has been sharing the key principles of Retirement Income Planning for over 20 years. He focuses on teaching all the things that should be considered as people move into retirement years.

 

Scott is an avid sports fan and enjoys reading science fiction novels. He is a former board member and active sponsor of Food For Thought, a local grassroots charity that supplies snacks and lunches for schoolchildren in over 15 schools in the Edmonton area. He lives in Edmonton with his wife, Kirsten, their daughter, Katelyn, two cates (Mimi and Milo), and their troublesome but loved rescue beagles Dexter and Penny.

George McConechy

Speaker, Author and Financial Educator

George McConechy is an Author, Speaker and Financial Educator. He has been passionate about sharing his financial knowledge since 2001. His first book was published in 2013, If Money Could Talk: Straight Talk for Canaidans over 50. In 2017 he released the second edition an updated version of the book If Money Could Talk.

 

In his spare time, George enjoys golfing and traveling. He donates his time to various charities and sits on the Easter Seals Alberta Board.

Enroll Early! Seating is Limited.

Still have questions?