Determining How Much Money You Need to Retire: Tax Ideas & Money Management in Retirement (DRMM16)
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When: 11/14/2016
8:30 AM until 4:30 PM
Where: Doubletree by Hilton Lafayette
1521 W. Pinhook Road
Lafayette, Louisiana 
United States
Presenter: David E. Hultstrom

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Acronym DRMM16
CPE 8 hours
Vendor Surgent McCoy CPE
Level Intermediate
Prerequisite Basic knowledge in retirement planning
Adv Prep None
Who should attend

CPAs who wish to serve the needs of the growing segment of the public for whom effective retirement planning is critical as they reach their peak earning years and/or are approaching retirement.

Registration Early Bird
(through 10/30)
(after 10/30)
Member $289 $339
CPA Non-Member $389 $439

The Member rate applies to LCPA members, reciprocal state society members, and non-CPA staff of LCPA members. To register online, use the ‘Register’ button above. To register by phone, call the LCPA Member Service Center at 800.288.5272 or 504.464.1040, Monday through Friday, 8am to 5pm.


This course gives CPAs the knowledge and tools to help their clients implement tax-effective investment and portfolio strategies for successfully accumulating wealth and maintaining their real after-tax retirement income.


  • Identify the success factors in building a retirement nest egg
  • Explain the relationship between risk and return and the investment horizon
  • Describe the tax effect of inflation, its interaction with the income tax, and the effects of taxation on investment performance
  • Discuss the use of historical rate of return evidence as a guide to projecting successful portfolio withdrawal rates
  • Explain survival probabilities as well as how first-to-die and last-to-die survival probabilities are used in retirement planning for married couples
  • Discuss the pros and cons of using annuities as accumulation and payout vehicles for retirement
  • Summarize the complex composite of tax, legal, and financial elements of life insurance and describe the extremely wide range of applications and uses for life insurance in retirement planning
  • Explain how clients can convert the equity in a home to retirement income, while continuing to live in and enjoy the use of the home, including sale-leasebacks and reverse mortgages as well as QPRTs and split-purchases


  • Asset allocation, portfolio management, portfolio rebalancing, and investment selection concepts, before and after retirement, tax-saving investment transactions, and the optimal asset mix between retirement plans and taxable savings
  • Historical guidelines for nominal and real after-tax returns
  • NEW expanded section on understanding expenditure patterns in retirement and the level and risk associated with out-of-pocket medical expenses in retirement
  • Worksheets/formulas for determining how much money one needs to assure a financially secure retirement
  • Distribution/asset liquidation planning including the pros and cons of various annuity options, guidelines/strategies using the minimum required distribution rules for qualified plans and IRAs, beneficiary elections, and the use of trusts
  • Sustainable portfolio withdrawal rates during retirement for differing stock/bond/cash asset allocations, inflation rates, and tax rates both from tax deferred accounts and taxable accounts
  • Analysis of the regular IRA to Roth IRA conversion election
  • Variable annuities vs. mutual funds; Roth IRAs vs. regular IRAs; and the use of life insurance in a pension maximization strategy
  • Analyzing the impact of recent tax law, regulations, and rulings