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Retirement Series: Using Work to Your Advantage

Retirement Series: Using Work to Your Advantage: Informed Retirement Decisions

This workshop primarily is intended for adults who are thinking ahead to the time when they will need to determine their optimal employment situation both prior to and during retirement, along with fallback options to fill gaps in income. Participants may be trying to determine when they can stop working full time. The decisions they make about when to stop working, or perhaps begin to work part time, will impact their retirement paycheck.

By sharing tools and resources during this workshop, you will show participants how to get the clear answers they need to make confident decisions about how long and how much they need to work to have a financially secure retirement. The following topics are addressed in the Informed Retirement Decisions: Using Work to Your Advantage Workshop:

  • The payoffs and trade-offs of working preretirement and during retirement
  • Guidelines for work-related decisions
  • Common types of circumstances that may call for fallback work plans

Workshop Materials

You must agree to the terms of the Content License Agreement below to access the materials. Once the materials are downloaded, they may be used as-is or customized to best meet your needs.


The PowerPoint presentation is customizable and can help you facilitate a discussion about retirement decision making for your participants.

Download a facilitator guide that will lead you through your presentation.

The Workshop Packet includes an Action Plan for participants as well as worksheets, handouts, scenarios, activities and other resources referred to throughout the workshop.

Feeling unsure about your presentation? FAQs will help answer your questions about working with your intended audience.

FAQs

Who will be attending the workshop?

This workshop primarily is intended for adults in their 50s and early 60s who are thinking ahead to the time when they will need to determine their optimal employment situation both prior to and during retirement, along with fallback options to fill gaps in income. They may be trying to determine when they can stop working full time.

What are the learning outcomes of this workshop?

Participants will use what they learn in this workshop to establish an intentional work strategy as they transition into full retirement as well as plan for contingencies in the event a fallback plan is needed to fill any income gaps during retirement.

Participants will address the following learning objectives as they master the competency:

  • Discuss the payoffs and trade-offs of working preretirement and during retirement.
  • List guidelines for making work-related decisions leading into retirement.
  • Recognize common types of circumstances that may call for fallback work plans.

How will I know that participants have achieved the target outcomes?

Participants will know that they have achieved the target outcomes when they have done the following:

  • Identified must-have criteria, nice-to-have criteria and unacceptable criteria for work and earning situation leading into retirement.
  • Weighed the payoffs and trade-offs of working longer as it impacts retirement objectives.
  • Outlined a plan to phase out of the workforce leading into retirement.
  • Outlined a strategy to address any offer of an early retirement (buyout) package, should this be a possibility.
  • Outlined fallback plans for at least two potential circumstances that may trigger a need to fill an income and/or insurance benefit gap.

Can I share my own experiences during this workshop?

When it comes to talking about money, sharing your own successes and challenges will make the workshop much more engaging — and valuable — for participants. It makes the points you’re discussing come alive, reassures them that they are not alone in having questions and concerns, and encourages them to share their own experiences, which can be equally valuable to other participants.

Keep in mind that participants may feel self-conscious about their financial situation or some of the choices they’ve made, so include a statement in your opening that these workshops are a judgment-free zone and that there is no single right or wrong answer — it depends on the person’s situation and values. The aim of this workshop is to empower individuals to make decisions that work for them and align with their values and needs, which might not look like everyone else’s.

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