This presentation will focus more towards "the late career" teacher, and the decisions they will encounter as their retirement date approaches.  We will discuss the new EMPOWER Third Party Administrator, the benefits associated with these recent changes, and pitfalls teachers can avoid to have a great retirement.  Are you clear on the benefits of House Bill 2391 and early retirement factor (ERF)?  Do you know how much income you will receive in your golden years?  Our presenter, with 17 years of experience helping teachers plan and prepare for retirement, promises to bring a little fun and laughter to the retirement planning process, while offering all KEA members a trusted resource with a complimentary retirement consultation.  This presentation is more geared towards members with 20 plus years of teaching and/or are within 5 years of their target retirement date.