Transcript Protect Your Retirement

Protect Your
Retirement
Three Phases of your
Financial Life
Phase One
Accumulation
Phase Two
Protection
Phase Three
Distribution
Accumulation


Stocks
Mutual Funds

401k

403b
Protection

Annuities


CDs
Money Markets
Distribution

Life Insurance

Stretch IRA

Trusts
Rule of 100
100 - (Your Age)= % of assets invested in
the Accumulation section (could lose
money)
Example
100 - (65 years old) = 35% in Risky
Investments
What is Important During
YOUR Retirement





Spending time with family and friends
Enjoy your hobbies (travel, golf,
fishing, gardening, etc)
Donate time and/or money to charities
Maintain current lifestyle
Leave a legacy to your family
How can WE ensure that
you have a successful
retirement?






By Providing:
Safety of Principal
Tax Deferred Growth
Upside potential with no downside
risk
Money for emergencies
Lifetime income
Probate avoidance
Safety of Principal



Avoid Market Volatility
Avoid Interest Rate Risk
Your worst case scenario is the same
amount you are investing today
(Possible minimum guarantee of
interest each year)
Tax Deferred Growth
$100,000 Investment
4% Interest Rate
33% Tax Bracket
Taxable
Investment
Tax Deferred
Investment
Benefit
of Tax Deferral
True
Benefit
2006
$102,680
$104,000
$1,320
1%
2007
$105,431
$108,160
$2,729
3%
2008
$108,257
$112,486
$4,229
4%
2009
$111,158
$116,985
$5,827
5%
2010
$114,137
$121,665
$7,528
7%
2011
$117,196
$126,531
$9,335
8%
2012
$120,337
$131,593
$11,256
9%
2013
$123,562
$136,856
$13,294
11%
2014
$126,874
$142,331
$15,457
12%
2015
$130,274
$148,024
$17,750
14%
Tax Deferred Growth
Tax Bracket
25%
28%
33%
35%
3%
4.00%
4.17%
4.48%
4.62%
4%
Tax
5%
Deferred Interest
5.33%
5.56%
5.97%
6.15%
6.67%
6.94%
7.46%
7.69%
6%
8.00%
8.33%
8.96%
9.23%
7%
9.33%
9.72%
10.45%
10.77%
8%
10.67%
11.11%
11.94%
12.31%
Upside Potential Without
the Downside Risk
Benefits of Annual Reset
$160,000.00
$150,000.00
$140,000.00
$130,000.00
$120,000.00
$110,000.00
$100,000.00
$90,000.00
$80,000.00
$70,000.00
EIA 10% Pt-Pt Cap
In
i
tia
lD
ep
os
i
19 t
98
19
99
20
00
20
01
20
02
20
03
20
04
Market
Money for Emergencies

House Repairs

Family

Health

Travel
Lifetime Income

Ensure a check for the rest of your life

Chose your monthly amount

Have the check deposited directly into
your account
Probate Avoidance
 Cost: Legal and Filing Fees
 Assets are frozen until probate is
complete
 Delays: Minimum typically 8 months,
can
take several years
 Publicity: Estate becomes public
record
Winning Combination
Protection


CD’s
Money Markets
Accumulation
+


Stocks
Mutual Funds
=
Safe and Secure Retirement
Future
(Equity Index Annuity)
Equity Indexed Annuity
Benefits
 Safety of a CD
 Upside potential of the Market
 No risk to principal
 Lock in gains annually
 Diversification options
 Perfect fit for a portion of a clients
retirement assets
If you could have the
safety of a CD and the
upside potential of the
Market with no downside
risk, would you be
interested?
What portion of your
retirement are you
ready to protect today?