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

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Jan 21, 2024 178 likes •301 views

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:

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WELCOME!

Presented by:

Instructor Name

Registered Representative “Broker Dealer Affiliation”

Member FINRA and SIPC

Modern Retirement Planning

™

NOT FOR USE DO NOT DUPLICATE

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SETTING GOALS

Presented by:

Instructor Name

Registered Representative “Broker Dealer Affiliation” Member FINRA and SIPC

NOT FOR USE DO NOT DUPLICATE

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Introduction My Objectives Questions The Follow-up Meeting

NOT FOR USE DO NOT DUPLICATE

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Topics Include:

▪Starting the Planning Process

▪ Setting Goals ▪ Retirement Planning Steps ▪ Funding Goals with Tax Savings

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Starting the Planning Process

Retirement strategies that were widely accepted years ago may not be appropriate today. Here are a couple of facts:

▪ 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 fastest growing age groups is the 100-year-old group.

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This life expectancy issue creates two new considerations:

1. Planning period:

– Depression era: Shorter Life Expectancy – Today: Much longer life expectancies.

2. Retirement Lifestyle:

– Depression era: What did your grandparents do? – Today: What will you do? New career, travel, etc.?

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Starting the Planning Process

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▪ Starting the Planning Process

▪Setting Goals

▪ Retirement Planning Steps ▪ Funding Goals with Tax Savings

Topics Include:

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Setting Goals

Retirement Considerations:

▪ Weather ▪ Allergies ▪ Children and Grandchildren ▪ Longevity or Time ▪ Lifestyle and Desires ▪ Means ▪ Inflation

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▪ Starting the Planning Process ▪ Setting Goals

▪ Retirement Planning Steps

▪ Funding Goals with Tax Savings

Topics Include:

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Retirement Planning Steps

1. Write down your desires and goals.
2. Assess the cost.
3. Design a plan.
4. Execute the plan.
5. Review and Refine your plan periodically.

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Start Now- Delays can be Costly.

This hypothetical is for illustrative purposes only, should not be deemed a representation of past or future investment results or performance, and is based on mathematical principals and the topics/examples covered. Principal, yield, and/or share price may fluctuate with changes in the market conditions and, when sold or redeemed, you may receive more or less than originally invested. It does not portray tax implications, withdrawals, actual investment results, and your experience may differ.

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Planning Strategies

$6,000 per year, 8% return 1

Age Tim Melissa

30 $6,000 31 $6,000 32 $6,000 33 $6,000 34 $6,000 35 $6,000 36 $6,000 37 $6,000 38 $6,000 39 $6,000 40 $6,000 41 $6,000 42 $6,000 43 $6,000 44 $6,000 45 $6,000 46 $6,000 47 $6,000 48 $6,000 49 $6,000 50 $6,000 51 $6,000 52 $6,000 53 $6,000 54 $6,000 55 $6,000 56 $6,000 57 $6,000 58 $6,000 59 $6,000

Amount Invested $120,000 $60,000 Account Value $294,510 $450,670

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

return compounded monthly from the beginning of the period. This hypothetical is for illustrative purposes only, should not be deemed a representation of past or future investment results or performance, and is based on mathematical principals and the topics/examples covered. 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 than originally invested. It does not portray tax implications, withdrawals, actual investment results, and your experience may differ.