Seminars

 

For Groups and Organizations, Sherwin Coleman offers seminars covering a variety of financial products and services: 

Retirement Income Overview

This seminar focuses on strategies for turning an accumulation portfolio into a steady income stream so retirees can make the most of their savings an investments.
 
Retirement Income Outline
 
I.    What Happens When You Retire?
       A. What happens financially when you retire?
       B. Retirement income expectations vs. reality
       C. How long will your retirement last?
II. Retirement Income Streams
     A. Changing from an accumulator to a spender
     B. Social Security
     C. Employment income
III. Retirement Accumulations
     A. Estimate how long your savings will last
     B. Protect what you already have
     C. Decide which assets to spend first
     D. Retirement plan distributions
     E. Lump-sum tax alternatives
     F. Distribution alternative using life insurance
IV. Savings and Investments
     A. Bonds
     B. Income mutual funds
     C. Dividend-paying stocks
     D. Permanent life insurance
     E. Reverse mortgage
IV. Annuities
     A. Why do people buy annuities?
     B. What kinds of annuities are available?
     C. What benefits do annuities have to offer?
     D. Fixed and variable annuities
     D. Benefits of immediate annuities
     E. Split annuity strategy 

 Long-Term Care Overview

This seminar presents long-term care insurance as the best way to protect assets, preserve dignity, and choose the type and quality of long-term care.
 
Long-term Care Outline
 
I.  Need for Long-Term Care
     A. Long-term care costs
     B. Costs can be prohibitive
     C. Soaring long-term care costs
II.  Common Misconceptions
     A. It will never happen to me
     B. My family will care for me
     C. Medicare will pay for it
     D. Who is paying the costs?
III. What Are Your Options?
     A. Self-insure
     B. Medicaid
     C. Long-term care insurance
     D. Types of care
     E. Levels of care
     F. Long-term care benefits
     G. Is long-term care insurance right for you?
     H. Attributes of a good policy
     I. Factors to consider
IV. Recent Long-Term Care Developments
     A. Long-term care partnerships
     B. Should you purchase a certified policy?
     C. Your three options
     D. Careful preparation is the best insurance
V. Case Studies 

 Annuities Overview

This seminar educates people about the annuity as a creative retirement and savings vehicle.
 
Annuities Outline
 
I.  Financial Challenges
     A. Tax planning*
     B. Retirement planning
     C. Investment planning
II.  The Annuity
     A. What is an annuity?
     B. Types of annuities
     C. Tax-deferred compounding
     D. How annuities earn interest
     E. Fixed annuities
     F. Variable annuities
III. Annuities Offer Creative Solutions
     A. Annuities and tax planning
     B. Annuities and retirement planning
     C. Annuities and investment planning
IV. Strategies
     A. Mutual fund supplement
     B. Retirement plan alternative
     C. Alternate income strategies
     D. 1035 exchange
     E. Split annuity
     F. Balancing your portfolio
     V. Case Studies 

 College Funding Overview

This seminar shows the importance of investments and personal accumulation as college funding sources. 
 
College Funding Outline
 
I.  Costs and Benefits of a College Education
     A. Average costs of a college education
B. Costs of well-known colleges
     C. Earning power of college graduates
     D. Other benefits of a college education
     E. College inflation
     F. College funding calculator
II. Sources of College Funding
     A. Scholarships
     B. Financial aid
     C. Loans
     D. Personal accumulation
III. College Funding Vehicles
     A. Stocks
     B. Bonds
     C. Mutual funds
    D. Life insurance
    E. Annuities
IV. Investment Considerations
     A. Risk
     B. Time
     C. Taxes
     D. Growth potential
V. Strategies
     A. Diversification
     B. Dollar cost averaging
     C. Income shifting
     D. Gifting strategies
VIII. Case Studies 

 Retirement Overview

This seminar explains how to calculate the cost of retirement and emphasizes the importance of personal savings and sound investment strategies for retirement. 
 
Retirement Outline
 
I. Retirement Income
     A. Retirement questions
     B. How much will you need?
     C. Calculating the cost
     D. Effects of taxes and inflation
II. Sources of Retirement Income
     A. Social Security
     B. Employer-sponsored plans
     C. Personal savings and investments
III. Employer-Sponsored Plans
     A. Advantages of tax-deferred growth
     B. Types of employer-sponsored plans
IV. Personal Savings and Investments
     A. Investment objectives
     B. Investment categories
     C. Determining the appropriate balance
     D. Periodic review
     V. Timing Retirement
     A. Retirement considerations
     B. Social Security benefits
     C. Early withdrawal penalties
     D. Employer incentives
     VI. Case Studies 

 
Retirement and Distribution Overview

This seminar explains how to calculate the cost of retirement and emphasizes the importance of personal savings and sound investment strategies for retirement. 
 
Retirement Outline
 
I.  Retirement Income
     A. Retirement questions
     B. How much will you need?
     C. Calculating the cost
     D. Effects of taxes and inflation
II.  Sources of Retirement Income
     A. Social Security
     B. Employer-sponsored plans
     C. Personal savings and investments
III. Employer-Sponsored Plans
     A. Advantages of tax-deferred growth
     B. Types of employer-sponsored plans
IV. Personal Savings and Investments
     A. Investment objectives
     B. Investment categories
     C. Determining the appropriate balance
     D. Periodic review
V. Timing Retirement
     A. Retirement considerations
     B. Social Security benefits
     C. Early withdrawal penalties
     D. Employer incentives
VI. Case Studies 

Estate Conservation Overview

This seminar covers estate conservation techniques that help people avoid problems and distribute their estates according to their wishes.
 
Estate Conservation Outline
 
I.  Need for Estate Conservation
     A. What is estate conservation?
     B. Benefits of estate conservation
II.  Estate Conservation Challenges
     A. Attorneys
     B. Probate
     C. Taxes
III. Estate Distribution Techniques
     A. Intestacy
     B. Wills
         1. Will considerations
         2. Outright will
         3. Premarital agreement
         4. Property ownership
         5. Joint tenancy
         6. Community property
IV. Trusts
     A. Parties involved in trusts
     B. Types of trusts
     C. Testamentary trusts
     D. Living trusts
     E. A-B trusts
     F. Irrevocable trusts
V. Case Studies 

401(k) Retirement Plans Overview

This seminar explains the advantages of 401(k) plans, as well as the best ways to invest funds and maximize savings.
 
401(k) Retirement Plans Outline
 
I.  The Cost of Retirement
     A. Are you prepared?
     B. How much will you need?
II.  Retirement Obstacles
     A. Taxes*
     B. Inflation
     C. Procrastination
III. The 401(k) Plan
     A. What is a 401(k) plan?
     B. How a 401(k) plan works
     C. Advantages of 401(k) plans
         1. Pre-tax contributions
         2. Tax-deferred growth
         3. Matching contributions
IV. Important Questions
     A. Contribution limits
     B. Restrictions
     C. Changing employers
     D. Fund access
V. Investing Your 401(k) Funds
     A. Investment principles
     B. Risks & rewards
     C. Diversification
     D. Investment steps
VI. Case Studies 

403 b Retirement Plan Overview

This seminar explains the advantages of 403(b) plans, as well as the importance of planning, setting goals, and starting early to save.
 
403(b) Retirement Plans Outline
 
I.  The Cost of Retirement
     A. Are you ready?
     B. How much will you need?
     C. Estimating the cost
II. Retirement Obstacles
     A. The effect of inflation
     B. The cost of procrastination
III. Retirement Planning Options
     A. What is a 403(b) plan?
B. Who can participate?
     C. Advantages of 403(b) plans
         1. Pre-tax contributions
         2. Tax-deferred earnings
         3. Retirement security
IV. 403(b) Plan Considerations
     A. Competitive interest rates
     B. Investment flexibility
     C. Investment options
     D. Risk tolerance
V.  Investment Options
     A. Fixed annuity contracts
     B. Variable annuity contracts
     C. Mutual funds
VI. Case Studies 

Tax Strategies Overview
 
This seminar illustrates how to use sound tax-reduction strategies to potentially realize substantial financial savings.
 
Tax Strategies Outline*
 
I.  Why Plan Your Tax Strategies?
     A. Comparison of major expenditures
     B. Historical perspective
II.  How Much Do You Owe?
     A. Determining your tax liability
     B. Alternative minimum tax
III. Tax Strategies
     A. Tax-exempt investments
         1. Taxable equivalent yield
         2. Municipal bonds
         3. Money market accounts
     B. Tax-deferred investments
         1. Tax-deferral chart
         2. Qualified retirement plans
         3. Annuities
         4. Life insurance
         5. Stocks
     C. Tax-advantaged investments
IV. Tax Planning Opportunities
     A. Opportunities for homeowners
     B. Selling securities
     C. Charitable contributions
V. Tax Filing Strategies
VI. Considerations for Homeowners
VII. Case Studies  
 
* Neither Voya Financial Advisors nor its representatives offer tax or legal advice.  Please consult with your tax and legal advisors regarding your individual situation.