Free Online Retirement Class

Dana Anspach

February 1, 2024

The Role of Annuities in Retirement Planning

Do annuities fit into your retirement income plan? You may see ads floating around on the internet with titles like “I hate annuities and why you should too.” Are annuities something you should hate? Probably not, not more than you should hate a hammer when what you need is a screwdriver. An annuity is a tool. If its the right tool for the job, than there is nothing to hate.

Unfortunately, annuities get a bad rap for many reasons varying from high fees, overhyped sales pitches, commissions, tax challenges and complexity. All those reasons are valid for certain types of annuities in certain situations. But they’re not valid for all annuities in any situation.

In this webinar, we’ll address the complexity of annuities and you’ll leave with an understanding of what they do well, and when putting a portion of your funds in an annuity may make sense.

Note – we don’t sell annuities or receive commissions from the sale of any products, so this is an unbiased view of the tool we call an annuity from a financial planning perspective.

We’ll be covering:

  • Four main types of annuities
  • When annuities make sense
  • How to measure the effectiveness of an annuity
  • Taxation of annuities
  • What to watch out for in annuity presentations

We’ll also host a live question and answer session at the end!


Thursday, June 13th, 2024


10 am AZ/11 am Mountain/12 pm Central/1 pm Eastern

Registration Required

Register online by clicking on: The Role of Annuities in Retirement Planning

Who Should Attend

This webinar will be valuable for anyone within ten years of their desired retirement date or those who have recently retired.

Your Presenter

Dana Anspach is the author of the recently released How to Plan the Perfect Retirement lecture series on The Great Courses (now Wondrium), Control Your Retirement Destiny (now in its second edition), and Social Security Sense. From 2018 to 2022, Investopedia Investopedia included Dana as one of the Top 100 Most Influential Advisors for her ongoing contributions to financial literacy. Dana is the founder and CEO of Sensible Money, a firm that ranked on the 2022 Inc. 5000 list of fastest-growing privately owned companies in America. Dana is also a CFP®, RMA®, and Kolbe Certified Consultant who began her financial planning career in 1995.

Recorded Retirement Classes on YouTube

Several of our prior online retirement workshops are available to watch on YouTube. Below you’ll find information and links to many of our recent classes.

How to Make a Retirement Income Plan

Recorded January 24, 2024

How much will you need to retire, and where will it come from? In this class, you will learn how make a detailed retirement income plan by creating a series of timelines that chart out your future income and expense. You will see how you can put together a crystal-clear picture of your future retirement income. 

this class covers:

  • How to make a retirement budget and the most commonly overlooked expenses
  • What a future income timeline looks like
  • How to calculate how much you will need to withdraw each year during retirement
  • Mistakes people make with their assumptions about inflation and rates of return
  • How to see if your retirement money will last

Watch it on YouTube here: How to Make a Retirement Income Plan

How to Plan for Health Care Costs in Retirement

Recorded September 28, 2023

One of the biggest expenses you face in retirement is the cost of health care.

To plan for it you must understand the three primary phases of health care in retirement; the early phase for those who retire pre-age 65, the Medicare phase which begins at 65 and extends through life, and the later-life phase when long-term care expenses are likely to arise. We’ll be covering all this and more in this class.

• Retiring pre-age 65 – covering the gap

• Post-age 65 – Medicare and Part B & D

• LTC & Medicaid

Watch it on YouTube at: How to Plan for Health Care Costs in Retirement

How to Turn Investments into a Retirement Paycheck

While you are working and saving, you accumulate a collection of accounts, such as IRAs, 401(k)s savings and annuity accounts, and other workplace investments including stock options and deferred compensation plans. You may own stocks, bonds, mutual funds, annuities, CDs, iBonds, and more.

When you retire, how do you align all of these things to work together to create a reliable retirement paycheck? What do you sell first? Which account should you draw from in which years?

In this webinar, we’ll show you how we answer these questions and align portfolios for the purpose of withdrawing regular cash flow to live on in your retirement years.

We’ll cover:

  • The one factor that has the most impact on investing success in retirement
  • How to decide which accounts to draw from
  • How you determine what to sell and when to sell it
  • What taxes to watch out for

Your class instructor, Dana Anspach, will illustrate taxes with real life examples. We look forward showing you ways to plan ahead for taxes and potentially reduce your tax liability.

Watch it on YouTube here: How to Turn Investments into a Retirement Paycheck

How to Plan for Taxes in Retirement

Recorded March 30, 2023

Taxes don’t go away in retirement. You’ll need to make quarterly payments or set up automatic withholdings from retirement account distributions. How much should you withhold and how will it change throughout your retirement? In this free webinar, we’ll show you how the tax code applies to retirees. We’ll also cover strategies that can reduce your lifetime tax liability.

This webinar covers:

  • While you are still contributing to savings
  • When you are taking withdrawals
  • How you allocate and rebalance your investments

Watch it on YouTube here: How to Plan for Taxes in Retirement

The Three Phases of Retirement

Recorded October 13, 2022

The three phases of retirement, early, mid and late, are often called the go-go years, slow-go years, and no-go years.

During the go-go years, spending can be higher as new retirees explore new places and activities, visit family and friends, relocate, remodel or buy a second seasonal home.

As folks mature into their mid-70s, they tend to slow down. They find they are more content staying home, subsequently spending on travel, entertainment, eating out, and shopping for clothing and home décor tapers.

In their mid-to-late 80s, medical conditions may occupy more of a retiree’s time and budget. Spending is diverted from previous travel and entertainment activities to services such as cleaning, handyman repairs, meal prep, transportation assistance, and increased out-of-pocket health care expenses.

Learn how lifestyle and spending needs change during these phases and how you can adjust your retirement income plan accordingly.

You can find it at: The Three Phases of Retirement

How to Recession Proof Your Retirement

Recorded August 4, 2022

Are we about to enter a recession? Should you delay your retirement? How do you manage your investments during recessions once you are retired? In this webinar, we’ll look at investment strategies that can help create a reliable retirement paycheck even during recessions and market downturns.

In this webinar, you’ll learn:

  • Strategies to adjust spending
  • Ways to manage market volatility
  • How to use buffer assets during market downturns

You’ll also see a range of potential outcomes the future may deliver and how past bear markets and recessions impacted retirees. We’ll also cover the impact of inflation and look at high-inflationary periods such as the 80s. You can find it at: How to Recession Proof Your Retirement

How to Build a Retirement Spending Plan

Recorded June 16, 2022

How much you’ll need in retirement depends on how much you’ll spend. But so much changes as you enter retirement; health coverage, taxes, and sometimes you have a mortgage now but know it will be paid off five to ten years after retirement. 

Maybe you’ll move. Maybe your kids will be self-sufficient by then. And certainly, you’ll have home repairs and future auto purchases.

In this webinar, we’ll show you how to project these changing variables and layout a spending path.

We’ll be discussing

  • Why the rules of thumb on retirement spending don’t work
  • Things people forget about when making a retirement budget
  • How to account for health care expenses
  • The impact of inflation on your retirement spending
  • How taxes vary depending on the nature of your savings

Watch it on YouTube at: How to Build a Retirement Spending Plan

How to Make an Investment Plan

Recorded May 20, 2021

What investments should you buy? When should you buy them? How long do you hold them? Is it foolish to own bonds right now? What about crypto, is it a fad or the next big thing? 

In this webinar, we provide you with a framework to help you answer these questions and develop an investment plan that fits your goals, time horizon, and future cash flow needs. 

This webinar covers:

  • Key components to an investment plan
  • The impact of taxes
  • When to buy and sell
  • What do do when the media says “Bonds/Stocks/Real Estate/Gold/Crypto are/ are not the place to be these days.”
  • How investment plans should vary based on your goals

Watch it here on YouTube: How to Make an Investment Plan

Don’t Cheat Yourself With the 4% Rule

Recorded March 12, 2021

Many retirees and advisors gravitate to simple rules of thumb, like the 4% rule, which says you can safely withdraw 4% of your portfolio each year, increase that withdrawal with inflation, and expect to have your income last for life.

Do such rules work?

Certainly, they’re useful when you’re age 40 and planning for retirement 20 to 30 years away. But as you get closer to retirement, these rules can work against you.

This class will show you what to watch out for, and provide four practical tips on how to account for taxes, inflation, market returns, and Social Security when you project your retirement income plan.

Watch it on YouTube at: Don’t Cheat Yourself With the 4% Rule.

Planning for Disruptions

Recorded May 25, 2020

What do you do when life doesn’t go the way you planned? Maybe an adult child gets laid off and you want to help. Or you find yourself suddenly unemployed. This isn’t what you thought would happen. How do you adjust? Where do you get cash to get you through?

In this webinar, you’ll learn how to navigate your way through the practical aspect of raising cash such as withdrawing from IRAs and using home equity, and we’ll also be covering the emotional side of dealing with disruptions and planning for a fantastic future.

Watch it on YouTube at: Planning for Disruptions.