The "retirement red zone" is 5 to 10 years before and after your retirement date. It is the critical time for smart financial planning because decisions made during this period will significantly impact the longevity and quality of your retirement lifestyle. The potholes (unexpected challenges) include: the risks and costs of healthcare, custodial care, market flux, inflation, taxes, insurances, and invisible mortgage. The pitfalls (strategic oversights) include the risks and costs of your life span, withdrawal errors, tax bites, investment safeguards, optimizing Medicare, Social Security, Medicaid, and Veterans benefits, and "what if" estate planning. To navigate the retirement red zone, it is crucial to be aware of the potholes and pitfalls and how to avoid them, now. The "retirement stuff no one ever told you, and wish you knew" we will cover. Bob Coulson retired from three careers (military, manager, and minister) and lived in two retirement communities. He is a Certified Retirement Options Coach™ and Certified Senior Advisor©. An optional, personalized Life Options Profile - Retirement Roadmap and one hour of personal coaching is available from the instructor for $65. NOTE: This course will be offered via Zoom. Register now and then prior to class the instructor will send you the link to attend. Good internet connection and a laptop or device with camera and mic is needed.

$65 optional materials fee paid to instructor via PayPal. Class time is in MT. Good internet connection and a laptop or device with camera and mic is needed. You should download Zoom in advance of class it is free to install, https://zoom.us/download. Look for an email from your instructor with the subject line CFU Zoom class for the link. Be ready to log on and join the meeting 5-10 minutes prior to the class start time so you will be ready when class begins. If you have trouble using the link, just go to Zoom.us, click "Join a Meeting" and enter the meeting ID provided in the instructor's email.