r etirement a nalyzer s oftware dennis shepherd, ind. agent shepherd retirement services, llc

RETIREMENT ANALYZER SOFTWARE

Dennis Shepherd, Ind. Agent

Shepherd Retirement

Services, LLC


This software program is designed to help people identify potential problems surrounding retirement.

Whether you are making long range plans for retirement, saving for retirement or are already retired, this software program will help create a clear picture of your financial future.

Introduction


Good NewsMany people are living longer than ever before. That means that some folks may live 20, 30 or even 40 years in retirement.

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Bad News Unfortunately many folks have no idea what it takes to survive financially throughout retirement. Their main concern is… “will we outlive our money?”


Good News When using this software program, your financial professional can give you a clear picture of what your retirement years may look like!


Lump Sum IllusionThe Lump Sum Illusion occurs when a person feels overly comfortable with a large sum in their retirement portfolio at a future date, but hasn’t analyzed how long it will last.

How much money you will accumulate at retirement is an important piece of the puzzle but by itself it means nothing!


Lump Sum Illusion

Many agents may only understand one piece or the accumulation phase of the retirement puzzle. We will go the extra step and provide you with a free detailed analysis showing how long your money might last.

Don’t Get Caught in the Lump Sum Illusion!!


Case Study

Dan & Sheryl are 53 & 48. Dan earns $60,000 per year and Sheryl earns $48,000.Both would like to retire in 2025.Total liquid assets for retirement = $508,351.Monthly budget equals $7,300.Social Security totals equal $3,772/month.Pension Funds equal $500/month.Rate of return on retirement funds equals 4%.Needed guidance on how to prepare for retirement.

This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.


Case StudyThe Financial Professional recommended that they put their retirementfunds into a product such as an annuity with a guaranteed principalfeature.

The Financial Professional helped Dan and Sheryl purchase a conservative product but did he take the next step to check and see how long their retirement funds would last given their spending habits.

After running their numbers through the Retirement Analyzer Software

Program, the agent determined that………


*Any transaction that involves a recommendation about funds held in a security product can be conducted only by individuals currently affiliated with a properly registered broker/dealer. If your financial professional does not hold the appropriate registration, please consult with your own broker/dealer representative for guidance on your securities holdings.


Outcome

Based on their spending habits and their sources of income such as Retirement Accounts, Social Security and Pensions and using reasonable projections in a detailed analysis…….

They will run out of money 18 years into retirement!


Financial disaster may be just around the corner!


Can I continue my present standard of living into my retirement years?

When can I retire safely without running out of money? How could my situation change during turbulent economic times? How would it affect my family if I die prematurely? How would it affect my family if I enter a nursing facility? What are the possible solutions if my situation changes?

Can Help Answer the Following Questions


How the Software Program WorksWe will discuss and decide on conservative estimates specific to your own situationWe will gather data to provide you with a personalized analysisWe will input your information and will provide you with a complimentary year-by-year financial

retirement analysis.


Personal Data



Retirement Accounts



Monthly Income Need



Retirement Summary

The software points out potential problems occurring during the retirement years. The yellow line indicates that the client’s funds fell below a determined level. The red line indicates the retirement funds are exhausted in the year 2052. You have several options available to help alleviate future problems.This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.


Red Line Solutions

Actions Used to Alleviate the Red Line

Work LongerEmployment after leaving main jobReduce monthly expensesIncrease contributions to retirement accountsLook for other income alternatives

Proper registered registrations are required to suggest or recommend the sale or liquidation of securities products.


Retirement Summary

In this scenario, the client decreased monthly spending and began contributing to a Roth IRA. As you can see the red line from the previous example has disappeared.



Conclusion

The software program gives you an idea of what your financial future may look like. The personalized analysis takes a wide range of factors into consideration, and will show areas of concern and I can make suggestions which may help you attain your goals toward securing your financial future

It is important to understand that actual results may vary greatly from the projections in the tool if estimates such as rates of return are inaccurate.


There is no charge for this very valuable benefit. Simply set an appointment with us to evaluate your situation. Keep in mind

that your information is confidential and you will only become a client if you so chose.

In order to make your software program personal and accurate, you need to have the following items on hand when we get together.

Statement of benefits from Social Security, (if you do not have one you can call 800-772-1213 or go to www.ssa.gov).

A recent pay stub, (this will help in determining retirement income needs).

Retirement benefits provided by your employer, if any. All financial accounts that are specifically earmarked for retirement.

Note: Do not include such items as savings accounts that are used for vacations, emergencies, etc. Also do not include home equity unless you plan to sell and use proceeds to add to retirement accounts.

Life insurance and/or Long Term Care insurance information.


Thank You

r etirement a nalyzer s oftware dennis shepherd, ind. agent shepherd retirement services, llc

Documents

retirement funds

retirement years

retirement puzzle

retirement accounts

retirement portfolio

hypothetical example

financial future

financial disaster