Tri-State Education Center

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The New Reality in Our Retirement

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Retirement fundamentals are substantially different now. Learning and applying new truths and techniques will prepare you for what's ahead so that you can retire successfully.

ABOUT THE COURSE

Retiring in our New Reality

  • Threats to our retirement
  • Developing a plan for today’s world

The Risk of Increasing Tax Rates

  • What the true experts say about future tax rates (The new tax law doesn’t address this.)
  • Did we really lose all those deductions in retirement?

Income Planning in Retirement

  • Maximizing retirement cash flow
  • Roth IRA vs. traditional IRA – Which is best?
  • How you could reduce or eliminate taxes in retirement

The New Reality in Our Social Security Benefits

  • Social Security taxation
  • How to reduce or eliminate taxes on your Social Security

Protecting Against Market Loss

  • What actually happens to you in a market loss
  • Does buy and hold work today?
  • Risk vs. reward

The New Reality in Our Estate Planning

  • What is estate planning, and do I really need it?
  • What is probate?
  • Should I have a will or a trust?

The New Reality in Our Long-Term Care Planning

  • The effect of long-term care expenses on your retirement
  • What are the community spouse rules and their effect?

Meet Your Instructors

Rick Hughes

Rick Hughes is a graduate of Bryan College where he earned a Bachelor of Science in Education, and later he received his Master of Science degree at the United States Sports Academy. Recognized as one of the top retirement professionals in the area, Rick has helped many individuals and families in Tennessee, Georgia, and Alabama prepare for a more secure retirement. He works exclusively with seniors and retirees to find solutions to help them enjoy their retirement years.

Rick has pioneered strategies that help protect his clients from volatile and risky financial investments while also helping them grow their retirement income. His main interest is helping his clients reduce their taxes. Rick offers many low-risk and potentially risk-free strategies that can help lower a tax bracket or, in many cases, obtain a zero percent tax bracket in retirement.

Rick is an Investment Advisor Representative and has the Series 65 securities license. He also has his Life and Health insurance licenses and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life insurance.

Rick offers financial commentary and advice to the community through radio, events, and seminars and has also had articles published in Money Magazine, Fortune Magazineand on the Annuity 123 blog.

Together, Rick and Granger host a local radio show, “Retirement Playbook,” Saturdays at 8:00 a.m. and Sundays at 6:00 a.m. on Mix 104.1 FM, Saturdays at 11:00 a.m. on Talk 101.3 The Buzz, and Sundays at 8:30 a.m. on Talk Radio 102.3 FM.

They both reside in Cleveland, Tennessee with offices in Knoxville, Cleveland, and Chattanooga, Tennessee and Birmingham, Alabama.

Granger Hughes

Granger Hughes began his career in 2009 after becoming a licensed insurance agent. He graduated with honors with a Bachelor of Science in Business Administration from Lee University. Granger is an Investment Advisor Representative and has the Series 65 securities license. He has Life and Health insurance licenses as well and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life insurance.

Granger uses a tax-sensitive, holistic approach by offering suggestions and alternatives on ways that his clients can protect, preserve, accumulate, and distribute money. He prides himself on how he looks at the big picture by assessing all buckets of money and allocating them to the appropriate tax-advantage status. He can assist his clients in reaching a lower tax bracket — and in many cases, a zero percent tax bracket — in retirement. He can also provide strategies that are potentially risk-free or offer a limited risk. Granger utilizes a scientific approach by analyzing portfolios through standard deviation, correlation matrix, and risk reward.

Granger offers financial commentary and advice to the community through radio, events, and seminars. He has also had articles published on the Annuity 123 blog.

Upcoming Courses

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REGISTER TODAY

Contact Us

Office Location:

1035 Peerless Crossing NW
Cleveland, TN 37312

P: 423.641.0999

E: questions@tristateedcenter.org

Classroom Location:

Cleveland State Community College
Career Education Building – Room E105
3535 Adkisson Dr. NW
Cleveland, TN 37312

Classroom Location:

University of Tennessee Chattanooga
University Center – Ocoee Room
642 E 5th Street
Chattanooga, TN 37403

Classroom Location:

Tennessee Wesleyan University
Sullins Board Room
204 E College Street
Athens, TN 37303

Classroom Location:

Bryan College
Mercer Hall – Classroom 139
721 Bryan Drive
Dayton, TN 37321