Northwestern Mutual Building Retirement Income with Confidence Donna M Celmer September 13 201229-5184-18 (0812)
Contents• Importance of Retirement Income Planning• Six Key Risks of Retirement• Retirement Income Planning Capabilities• The Northwestern Mutual Advantage• How I Can Help
Importance of RetirementIncome Planning• Provide a reliable and consistent stream of income— regardless of how long you live• Questions to consider: – How much income will you need to sustain your lifestyle? – Where will that income come from? – What’s the best way to tap this money, and when? – What are the rules governing retirement plan withdrawals?
Six Key Risks of Retirement 1. Longevity 2. Market 3. Inflation and Taxes 4. Health Care Costs 5. Long-Term Care Needs 6. Legacy Retirement brings new opportunities and challenges.
The Northwestern Mutual Retirement StrategyFulfills three primary financial objectivesof living securely in retirement:1. Provide an optimized flow of income throughout your lifetime2. Manage risks to the greatest extent possible3. Honor your wishes to leave a legacy for your loved ones or charities.
Managing UncertaintyThe Northwestern Mutual Retirement Strategy • Offensive and defensive approach • Proprietary, patent-pending planning tool takes financial modeling to a higher level • Factors in the key risks that can derail retirement • Multiple options to optimize income throughout your life • High degree of confidence in the success of your plan Northwestern Mutual’s Retirement Strategy helps you build a retirement income plan with more confidence.
Improving Sustainable Income in Retirement• Cash Reserve: – Two years’ living expenses – Provides monthly paycheck – Helps meet short-term income needs
Signature Retirement Program• A simplified way to manage investments, annuities, and a cash reserve• Offers the Signature Reserve—a powerful income management tool with quarterly report – One account to monitor income and spending needs – Liquid source of funds to pay ongoing living expenses – Quarterly report to monitor the program and alert if cash on hand is too high or too lowThe products and services referenced are offered only by appropriately licensed entities and representatives of such entities. The SignatureRetirement Program is an investment management program offered by Northwestern Mutual Wealth Management Company (NMWMC), alimited purpose federal savings bank that offers investment management and trust services.
The Northwestern Mutual Advantage• Retirement income planning expertise• Proprietary, patent-pending planning tool• Comprehensive investment and insurance solutions• Financial strength• Policyowner value• Stability Our strength is your security.
How I Can Help• A strong team working together to ensure your insurance and financial needs are metJersey Shore Financial Group1670 Route 34 suite 2Wall New Jersey 07727 Our goal is to provide you with a complete retirement plan – one that balances your vision for the future with the need to make your money last.
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Important Disclosures Northwestern Mutual is the marketing name that refers to The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life, disability income insurance, annuities) and its subsidiaries and affiliates. Representative is an Insurance Agent of Northwestern Mutual. Northwestern Long Term Care Insurance Company, Milwaukee, WI, a subsidiary of NM (long-term care insurance). Securities offered through Northwestern Mutual Investment Services, LLC (NMIS), 1-866-664-7737, a subsidiary of NM, member FINRA and SIPC, and a dually registered broker-dealer and investment advisor. Advisory services are offered by NMIS and by the Northwestern Mutual Wealth Management Company, another subsidiary of NM and a limited purpose federal savings bank. NM is not a registered investment advisor.