2023 HR Insider Fall Newsletter

Fall 2023

Retirement Mission Square Retirement Upcoming Education Webinars Making Every Dollar Count: Tips for Smart Spen- ding

retirement, including Medicare and Long-Term Care considerations. Making the Most of Social Security - Retirement Income Enhancing Strategies Wednesday, November 29th - Understand the basic elements of the Social Security program and focus on strategies that can help make the most of the benefits you receive. Maximizing Your Investments: Ensuring Your Re- tirement is on Track Wednesday, December 6th - The best investing stra- tegy is a carefully planned and prepared approach to managing and accumulating money to help meet your short-term, mid-term, and long-term financial goals. Investment planning requires discipline and patience, but it doesn’t have to be difficult. The Medicare Puzzle: Understanding Your Medi- care Options Wednesday, December 13th - There are many pieces to the Medicare puzzle you need to be aware of. Gain insight to Medicare and the importance of knowing just when you need to apply. All webinars are held from 12:00 - 1:00 CST. Register HERE for all webinars.

Wednesday, October 4th - Learn how to prioritize so that you spend on what you truly want and can afford. Maximizing Your Retirement Through Tax Plan- ning Wednesday, October 11th - Taxes may be the hidden expense in your retirement plan. Take a closer look at understanding how taxes work, and how to prepare for and manage your tax liabilities in retirement. Taking Your Estate Planning to the Next Level Wednesday, October 18th - Gain a better understan- ding of the Estate Tax system and if it affects you. Learn ways to consider minimizing estate taxes. Esta- te Planning: It’s not just for the wealthy. Quarterly Economic Overview Wednesday, October 25th - Join MissionSquare Reti - rement for an update on the financial markets for the most recent quarter. Financial Planning Basics: How to Set and Achieve Your Goals Wednesday, November 1st - Everyone can benefit from a financial plan that is tailored to individual needs and circumstances. A financial roadmap can motivate you to save money, help you meet your financial goals, and improve your overall financial security now and in the future. Navigating the Next Chapter: Preparing for Your Retirement Wednesday, November 8th - If you’re retiring soon, you probably have many questions about your retire- ment accounts. Learn what you should consider next. How Health can Affect Your Wealth in Retire - ment Wednesday, November 15th - An in-depth look into the many different aspects of planning and preparing for unexpected (and expected) healthcare costs in

SOCIAL SECURITYADMINISTRATION Your TCDRS benefit is only one part of your overall retirement picture. Join TCDRS as they host speakers from the Social Security Administration. Get an overview of Social Security and have a chance to ask your questions live. Click HERE to register. A Social Security Representative will present an overall review of this federal benefit on the following dates: General Overview Wednesday, October 11th, 12:00 to 1:00 p.m . General Overview and Windfall Elimination Provision Thursday, October 12th, 12:00 to 1:00 p.m . ASSOCIATION OF FINANCIAL EDUCATORS Retirement planning is more than just understanding your TCDRS benefits. Join TCDRS as they host speakers from the Office of Consumer Credit Commissioner (OCCC), the state agency that provides regulatory oversight of Texas’ financial marketplace. The OCCC educates consumers about credit, debt, their rights, responsibilities, protections and safeguards against abusive and deceptive lending practices. Click HERE to register.

Transferring Assets for Generational Planning Wednesday, October 18th, 12:00 to 1:00 p.m . Getting Long-Term Care Right Thursday, December 7th, 12:00 to 1:00 p.m.

OFFICE OF CONSUMER CREDIT COMMISSIONER (OCCC) Retirement planning is more than just understanding your TCDRS benefits. Join TCDRS as they host speakers from the Office of Consumer Credit Commissioner (OCCC), the state agency that provides regulatory oversight of Texas’ financial marketplace. The OCCC educates consumers about credit, debt, their rights, responsibilities, protections and safeguards against abusive and deceptive lending practices. Click HERE to register.

Avoiding Financial Exploitation Online Wednesday, October 25th, 12:00 to 1:00 p.m .

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