Five Threats to YourRetirement Security

Five Major Threats

Outliving Your Money Effects of Inflation Investment Performance Excessive Withdrawals Healthcare Costs

Outliving Your Money

Longer Life Expectancies

Not Saving Enough Exhausting Your

Principal

Effects of Inflation

Purchasing Power Risk

Rule of 72 In Reverse Divide 72 by

Effects of Inflation Rate

Investment Performance

Negative Returns Lower Than

Expected Returns

Excessive Withdrawals

Spending Too Much

Coupled with Early Losses

Healthcare Costs

Premiums Deductibles Coinsurance Excess Charges Other Out-of-

Pocket Expenses

Outliving Your Money

Accumulate More Delay Retirement Reduce Budget Increase Return Keep 12 Months of

Income in Cash

Effects of Inflation

Need Growth of Capital Growth of Income

Huge Risk Being Too

Conservative

Investment Performance

Suitability Diversification Asset Allocation Active vs. Passive Low Cost Approach

Excessive Withdrawals

Control Spending Early Years

Losses Need to Adjust 4% Solution

Healthcare

Pre-Medicare Medicare Medigap Long Term Care

Insurance Health Savings

Accounts

One More Threat!

Impact of Taxes Income Gift Estate Inheritance Property Sales And More!

Solutions?

Comprehensive Financial Planning Address All Five Threats Examine

Cash FlowInvestmentsRetirement Income Estate PlanningRisk Management

Question and Answer

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Providing Sound Advice…For Life

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