2021 4th Qtr Issue - Government Pension Offset (GPO), Care Planning, Health Savings Accounts (HSAs)

2021 4th Quarter Issue – InFRE’s most current free retirement newsletter – 1.0 CRC and CFP CE credit

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The quarterly newsletter from the International Foundation for Retirement Education helps retirement professionals keep abreast of what’s happening in the field of retirement readiness, counseling, planning, and income management.

In this most current version of our retirement-specific newsletter, planners will learn about:

  1. “Social Security GPO: FOMO, IDK, or LOL??” by Michael Wilson, CFP®, CRC®, RICP®, Integrity Financial Planning. In this case, LOL means lots of luck trying to understand the GPO because, even for those in the financial industry, it can be challenging.
  2. “Care Planning Prevents Tearing Families Apart” by Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, LACP,  the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisor, C. Golden Consulting, LLC. All generations, from the Silent to the Millennial, are caught up in the unpreparedness of aging adults with growing care needs.
  3. “Are Health Savings Accounts better than a 50% employer-match on a 401(k)?” by Greg Geisler, PhD, CPA, Clinical Professor of Accounting at Indiana University-Bloomington. The tax-efficient order to invest and pay down debts, is in other words, how to maximize the tax-efficient accumulation of wealth while you are working.

The articles below comprise the 2021 4th Qtr Issue of Retirement Insight and Trends. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.

Follow the link at the end to access the quiz, and upon passing with 70% or greater you may receive 1.0 hour of CFP®, CRC®, ASPPA, CLU®, ChFC®, CASL and other CE credit!

 

Welcome to InFRE’s January, 2022 Issue of Retirement Insight and Trends

on January 21, 2022

Retirement InSight and Trends is the quarterly newsletter for the International Foundation for Retirement Education’s Certified Retirement Counselors® (CRC®s) to help retirement professionals with the practical application of new retirement readiness, counseling, planning and income management concepts for the mid-market. Find out more about the CRC® here and […]
Continue Reading this issue of Retirement Insight and Trends here→


 

Social Security GPO: FOMO, IDK, or LOL??

on January 21, 2022

By Michael Wilson, CFP®, RC®, RICP®, Integrity Financial Planning

If you do not know the acronyms, i.e., if you do not have a teenager running around, FOMO stands for fear of missing out. When people who have worked for an agency where they did not pay into Social Security, maybe they’ve heard of this GPO (government pension offset), and so they are thinking, this could affect what Social Security benefit I might get. So, that is the fear of missing out. […]
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Care Planning Prevents Tearing Families Apart

on January 21, 2022

By Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, LACP, the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors, C. Golden Consulting, LLC.

Now is a good time for us to look at a retirement security framework as we approach the most significant surge in the number of people aged 65 and over. This framework should include extended and long-term care because all generations, from the Silent to the Millennial, are caught up in the unpreparedness of aging adults with growing care needs. Retirement itself is changing along with its effect on extended and long-term care and vice versa. […]
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Are Health Savings Accounts better than a 50% employer-match on a 401(k)?

on January 21, 2022

By Greg Geisler, PhD, CPA, Clinical Professor of Accounting at Indiana University-Bloomington

The tax-efficient order to invest and pay down debts, is in other words, how to maximize the tax-efficient accumulation of wealth while you are working. There are many articles on tax-efficient decumulation once you retire, but there is a very clear tax-efficient order for accumulating wealth. […]
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Earn 1 free Continuing Education (CE) credit for the January, 2022 Issue of InFRE’s Retirement InSight and Trends

on January 21, 2022

You can earn 1 CRC®, CFP®, ASPPA, and the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) CE credit for the January, 2022 issue of Retirement InSight and Trends.
Click here to access the quiz.
When you have completed the last question, click the “submit” button to submit your final answers. You may not return to review or change your answers after clicking submit or if you close the browser window. You may restart the quiz if needed.
A score of 70% is required to pass the quiz and earn CE credit. You will see your score on your screen upon submitting your answers. An email will automatically be sent to you for your records as proof of successful completion. […]
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