NOT FOR USE Presented by: Instructor Name WELCOME! DO NOT - PowerPoint PPT Presentation

Modern Retirement Planning ™ NOT FOR USE Presented by: Instructor Name WELCOME! DO NOT DUPLICATE Registered Representative “Broker Dealer Affiliation” Member FINRA and SIPC

NOT FOR USE DO NOT DUPLICATE SETTING GOALS Presented by: Instructor Name Registered Representative “Broker Dealer Affiliation” Member FINRA and SIPC

Introduction My Objectives Questions NOT FOR USE The Follow-up Meeting DO NOT DUPLICATE

Topics Include: ▪ Starting the Planning Process ▪ Setting Goals ▪ Retirement Planning Steps NOT FOR USE ▪ Funding Goals with Tax Savings DO NOT DUPLICATE

1 - 2 Starting the Planning Process Retirement strategies that were widely accepted years ago may not be appropriate today. Here are a couple of facts: NOT FOR USE ▪ According to the National Center for Health Statistics, the average life expectancy in 1930 for a male was 58.1 years. ▪ According to the 2011 Commissioners Standard Ordinary Mortality Table (CSO), a person born in 1950 should live to be 79. However, one of the DO NOT DUPLICATE fastest growing age groups is the 100-year-old group.

1 - 3 Starting the Planning Process This life expectancy issue creates two new considerations: 1. Planning period: 1 – Depression era: Shorter Life Expectancy NOT FOR USE – Today : Much longer life expectancies. DO NOT DUPLICATE 2. Retirement Lifestyle: 2 – Depression era: What did your grandparents do? – Today: What will you do? New career, travel, etc.?

Topics Include: ▪ Starting the Planning Process ▪ Setting Goals NOT FOR USE ▪ Retirement Planning Steps ▪ Funding Goals with Tax Savings DO NOT DUPLICATE

1 - 4 Setting Goals Retirement Considerations: ▪ Weather ▪ Allergies NOT FOR USE ▪ Children and Grandchildren ▪ Longevity or Time ▪ Lifestyle and Desires DO NOT DUPLICATE ▪ Means ▪ Inflation

Topics Include: ▪ Starting the Planning Process ▪ Setting Goals ▪ Retirement Planning Steps NOT FOR USE ▪ Funding Goals with Tax Savings DO NOT DUPLICATE

1 - 6 Retirement Planning Steps 1. Write down your desires and goals. 1 2. Assess the cost. 2 3. Design a plan. NOT FOR USE 3 4. Execute the plan. 4 DO NOT DUPLICATE 5. Review and Refine your plan periodically. 5

1 - 9 Planning Strategies $6,000 per year, 8% return 1 Start Now- Delays can be Costly . Age Tim Melissa 30 0 $6,000 31 0 $6,000 This hypothetical is for illustrative purposes only, should not be deemed a 32 0 $6,000 representation of past or future investment results or performance, and is based on 33 0 $6,000 mathematical principals and the topics/examples covered. Principal, yield, and/or share 34 0 $6,000 price may fluctuate with changes in the market conditions and, when sold or redeemed, 35 0 $6,000 you may receive more or less than originally invested. It does not portray tax 36 0 $6,000 implications, withdrawals, actual investment results, and your experience may differ. NOT FOR USE 37 0 $6,000 38 0 $6,000 39 0 $6,000 40 $6,000 0 41 $6,000 0 42 $6,000 0 43 $6,000 0 DO NOT DUPLICATE 44 $6,000 0 45 $6,000 0 46 $6,000 0 47 $6,000 0 48 $6,000 0 49 $6,000 0 50 $6,000 0 51 $6,000 0 52 $6,000 0 53 $6,000 0 54 $6,000 0 55 $6,000 0 56 $6,000 0 57 $6,000 0 58 $6,000 0 59 $6,000 0 1 The illustration does not consider tax implications or withdrawals. It assumes an annual contribution at the beginning of the year and an 8% rate of Amount $120,000 $60,000 return compounded monthly from the beginning of the period. This hypothetical is for illustrative purposes only, should not be deemed a Invested representation of past or future investment results or performance, and is based on mathematical principals and the topics/examples covered. Account Principal, yield, and/or share price may fmuctuate with changes in the market conditions and, when sold or redeemed, you may receive more or less $294,510 $450,670 than originally invested. It does not portray tax implications, withdrawals, actual investment results, and your experience may differ. Value