2017 3rd Qtr Issue – Elder Law Basics II, Improving Liquidity, Maximizing Social Security

2017 3rd Quarter Issue – InFRE’s free retirement newsletter

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

In this retirement-specific newsletter, planners will learn about:

  1. “Elder Law Basics Part 2: Part 2” by Amber B. Woodland, Esq., Partner at Procino Wells & Woodland, LLC. Learn the goals of asset protection and long-term care planning; review a case study of a married couple; discover top 10 estate planning mistakes; explore ethical considerations.
  2. “Maximize Your Clients’ Social Security” by Matthew Allen, Co-Founder and CEO, Social Security Advisors. Learn about Social Security claiming strategies for couple, divorced spouses, survivors (widows/widowers), singles, self-employed individuals, and costly myths and misunderstandings; the earnings test, and tips for filing.
  3. “The Holy Grail of Retirement: How to Increase Income and Growth While Improving Liquidity” by Curtis V. Cloke, CLTC, LUTCF, RICP®, CEO and Founder of Thrive Income Distribution System, LLC. Learn about the importance of liquidity in retirement; how to take key risks off the table; how to use a “divide and conquer®” approach for generating retirement income; how income guarantees require insurance; types of income annuities; a retirement income dashboard and case study..

The articles below comprise the 2017 3rd 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.


Welcome to InFRE’s October, 2017 Issue of Retirement Insight and Trends

on October 31, 2017

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→


October, 2017 InFRE Update: 2018 Update of the Certified Retirement Counselor® (CRC®) Exam

on October 31, 2017

Learn more about the CRC® and recent updates from InFRE’s Managing Director, Kevin S. Seibert, CFP®, CEBS, CRC® […] Continue Reading →


Elder Law Basics Part 2

on October 31, 2017

By Amber Woodland, Esq, Partner at Procino-Wells & Woodland, LLC

The goals of asset protection are, first and foremost, to ensure that there’s payment for the needed services to make sure that a person does not outlive their savings.  The worst possible thing that could happen is for a person to need long-term care for so long that they blow through their life savings, and qualify for Medicaid because there is no nest egg available to supplement the things that Medicaid may or may not provide. If a person runs out of money, is receiving care in a nursing home, and is on Medicaid because they are poor, they will go without dentures, hearing aids, eyeglasses, a computer, TV, or a recliner.  […] Continue Reading →


Maximizing Your Clients’ Social Security

on October 31, 2017

By Matthew Allen, CEO, Social Security Advisors

About 70 percent of Americans fail to make a smart Social Security decision and instead just guess or claim early. On average, this costs about $120,000 per couple and amounts to about $25 billion per year in lost benefits. Why is this happening? Social Security is complicated. There are 2,728 Social Security rules, and there are over 9,200 strategies for the typical couple. Why is it essential to maximize benefits for clients? They can: 1. Receive a higher Social Security benefit by pursuing a smart strategy. 2. Increase their standard of living and their financial flexibility. […] Continue Reading →


The Holy Grail of Retirement: How to increase income and growth while improving liquidity

on October 31, 2017

By Curtis Cloke, CLTC, LUTCF, RICP

There is a bridge in Honduras where no roads lead to it, and there’s no river running under it. A cyclone came through that was so severe that it took out all the roads that led to the bridge. It also actually moved an entire river.
This bridge is metaphoric for what might happen if we continue to do the things the way we have done over the last 30 to 50 years of retirement income planning. It was a model that allocated a significant amount of assets to bonds, where you could expect somewhere about a 5 to 6 percent income yield consistently over time. Given this low-interest rate environment, we are in a 30-year trench that’s probably going to be quite different. Also, now we have the risk of equity losses in bond instruments if we are not careful. […] Continue Reading →


Earn 1 free Continuing Education (CE) credit for the October, 2017 Issue of InFRE’s Retirement InSight and Trends

on October 31, 2017

This issue of the October, 2017 issue of Retirement InSight and Trends is no longer eligible for CE credit.