The Social and Behavioral Sciences programs are designed for people with a passion for making a difference in the lives of others.
Whether you are on your way up the corporate ladder or just getting started, our business degree programs and certificates could help you prepare to take your business career to a higher level.
Whether you want to enter the field of criminal justice or need credentials to advance your career, Kaplan University's criminal justice degree programs are designed to help you achieve your goal.
Our degree programs and certificates could help prepare you to teach diverse learners a broad range of academic content and educational foundations.
Our comprehensive fire science programs offer the flexibility of online learning, ideal for individuals in the fire science and emergency management fields who may work inconsistent hours.
You could acquire real-world knowledge and practical skills and prepare for a career in the health care industry by earning a health sciences degree, diploma, or certificate.
Our programs in legal studies, paralegal studies, and environmental policy are designed to fit your educational goals.
Our nursing degree and certificate programs are taught by practicing professionals who are dedicated to helping you prepare for real-world challenges in nursing.
Kaplan University's IT programs are designed to prepare you with the knowledge and skills you need to start or advance your technology career.
Kaplan University offers over 180 degree and certificate programs all available to military, veterans, and spouses of active duty members. In addition, several programs have been developed to complement specific military occupations or programs established by the military.
The Kaplan University School of General Education courses support the academic, social, personal, and professional development of learners throughout their engagement with the University.
Open College at Kaplan University (OC@KU) offers individualized, affordable education that integrates technology and personalized service to help learners meet their career, academic, and personal goals.
Offering the flexibility of online education and support for military students.
Every day, talented individuals are proving it's never too late to think about the future.
Learn more about becoming an international student at US-based and accredited Kaplan University.
Learn about transferring your previously earned college credits to Kaplan University.
We have partnered with many employers and educational institutions to provide their employees and students with education opportunities.
Corporate and Academic Partners
Kaplan University is dedicated to the support, engagement, and involvement of our graduates.
Resources for current Kaplan University students.
We have 15 ground locations across the country. Explore our locations to see if we're in your neighborhood.
Learning Center Experience
James Swanson, Part-Time Faculty, Kaplan University Published December 2014
is retirement planning? At its simplest, retirement planning is just that...what
will you do when you reach retirement? And what age does retirement start?
Everyone’s definition is a little bit different. One person wants to get up
each day to go fishing; another one wants to travel the country in an RV;
someone else wants to tend to a garden; some want to put their toes in the sand
and read a book; some want to start a new business after their working days are
over; while others may want to spend time with their grandkids. This is what
makes it all so very personal, powerful, important, and unique. What retirement
means to one person may differ vastly from what it means to another. However,
once we determine what we are planning for, then we can truly begin the process
of retirement planning.
planning takes careful research into numerous issues. As mentioned above, at
what age do I want to retire? What are my current assets, and what will be my
income needs? Will my assets generate enough income? How is my health, and are
my health issues (if any) covered? What about future health concerns such as
long-term care, if needed? Should I be carrying any debt into retirement,
including a balance on my home?
we become overwhelmed at the number of issues to review, let’s narrow it down
to a few key areas:
here, you can determine what your income on a monthly basis would be. Let’s
take a look at one easy example:
Bill and Susan James, a middle-class couple
living in Tucson, Arizona, age 66 and 65 respectively, are retiring by the end
of the year and are calculating the income they will be receiving during the
first year of retirement. Bill and Susan have worked for their respective
companies for the past 15 years and have participated in 401(k) plans sponsored
by their companies. They both have IRAs from previous employment and will be
rolling over the current 401(k)s to the existing IRAs.
Their home will be paid in full this month. The
total mortgage payment was $1,850. Of that, $275 was for taxes and insurance,
which they will now pay directly; $1,575 was the amount of principal and
interest that was being paid. They have no vehicle debt, credit card debt, or personal
or bank loans. They do utilize the credit card, but pay it off each month and
primarily use it for safety purchasing purposes and to accumulate “points” for
travel benefits. In addition, they keep a $15,000 savings account balance at
their local credit union for emergency purposes.
see how the numbers look for Bill and Susan:
how do we look at these numbers and compare our living situation in retirement
versus when we were working? One way to look at it is to see how much liquid
money is available for retirement as compared to when we are working. In Bill
and Susan’s situation, it looks like this:
Pre-retirement combined household income: $7,300/month
Pre-retirement expenses: $4,100/month
Post-retirement combined household income: $5,366/month
Post-retirement expenses: $2,525/month
we can see, Bill and Susan are pretty close, with the overall difference being
just $359/month. At this point, they have a choice to make. Go ahead and retire
and live with the difference, or consider working one more year to try to make
the difference closer to $0.
the real question is…what would you do? Good luck in your planning!
Swanson is a part-time faculty member with Kaplan University. The views expressed in this article
are solely those of the author and do not represent the view of Kaplan
contents of this article are presented for informational purposes only and are
not to be relied upon for financial or retirement planning services.
Always check with a professional regarding any questions you may have
regarding these services.
By Cynthia Waddell, PhD, CPA, CFE
By Geoffrey Vanderpal, Full-Time Faculty
By Richard Carter, PhD
By Stanley W. Self, CFE
By Jerry Taylor
By Rachel Byers, Full-Time Faculty, School of Business
Accounting firms are taking advantage of some emerging trends.
Change is the name of the game in wealth management!
Most people do not realize there are a variety of jobs in this field.
According to the BLS, employment of insurance sales agents is projected to grow.
Access definitions and FAQs related to accounting.
Access definitions and FAQs related to investments and wealth management.
Access definitions and FAQs related to real estate.
Access definitions and FAQs related to risk and insurance.
Kaplan Real Estate Education's Toby Schifsky looks at the factors to consider when pursuing a real estate career.
Toby Schifsky talks about the importance of goals and action steps for achieving them.
Access preparation and practice advise from Kaplan Financial Education experts Mary Orn and Julie Ramsey.
Maylee talks about her experiences with Kaplan Financial Education and preparing for her exams.
National Debt Clock
KU Facebook Page
KU Twitter Page
KU YouTube Channel
KU Google+ Page
KU LinkedIn Page
KU Pinterest Page
KU Instagram Page
Registered User Login
Student Consumer Information
LEARNING AT KAPLAN UNIVERSITY