This document appears to be from a retirement planning workshop that discusses strategies and rules of thumb for generating income during retirement. It addresses whether the traditional "4% rule" is still appropriate given market volatility and longevity risk. It also discusses using fixed indexed annuities or guaranteed lifetime withdrawal benefits as alternatives to mitigate risks to retiree portfolios in down markets.

1. Welcome To
The Retirement
Success
Workshop
For Those In or About To
Enter Retirement

2. Source: https://www.google.com/finance
Compound Annual Growth Rate? 2.68%

3. Source: https://www.google.com/finance
2016 Performance Through 01/15/2016 -6.16%

4. “Is the 4% Rule Still Appropriate?”
“The 4 percent rule no longer applies for most retirees.”
Sources: http://www.cnbc.com/id/102605878 &
http://www.schwab.com/public/schwab/nn/articles/Is-the-4-Percent-Rule-Still-Appropriate
Monthly Income Assets Needed
$500 $150,000
$1,000 $300,000
$2,000 $600,000
$3,000 $900,000
$4,000 $1,200,000
$5,000 $1,500,000
$6,000 $1,800,000
The 4% Rule?

5. “The 4 percent rule is Not Safe...”
Why?
Sources: http://www.cnbc.com/id/102605878 &
http://www.schwab.com/public/schwab/nn/articles/Is-the-4-Percent-Rule-Still-Appropriate
VOLATILITY!
“The 4 percent rule no longer
applies for most retirees.”

6. “The 4 percent rule is Not Safe...”
Sources: http://www.cnbc.com/id/102605878 &
http://www.schwab.com/public/schwab/nn/articles/Is-the-4-Percent-Rule-Still-Appropriate
“The 4 percent rule no longer
applies for most retirees.”
It’s not that the stock market never
goes up – It does go up. The problem
is this – Sometimes it goes down.

7. It would take far less money to
generate the same income.
What if there were a 6% rule?
Monthly
Income
Assets Needed
4% Rule
Assets Needed
6% Rule
$500 $150,000 $100,000
$1,000 $300,000 $200,000
$2,000 $600,000 $400,000
$3,000 $900,000 $600,000
$4,000 $1,200,000 $800,000
$5,000 $1,500,000 $1,000,000
$6,000 $1,800,000 $1,200,000
Difference:
$50,000
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000

8. Commonly Available Guaranteed
Lifetime Income Rates
60 year old = 5.00%
65 year old = 5.50%
70 year old = 6.00%
75 year old = 6.50%

9. Source: https://www.google.com/finance
Compound Annual Growth Rate? 2.68%
Remember This?

10. Source: https://www.google.com/finance
Remember This?
Beginning with
$100,000
Withdraw $500
Per Month (6.0%)

11. Total
Withdrawals:
$87,000
Beginning with
$100,000
Withdraw $500
Per Month (6.0%)
Source: https://www.google.com/finance
By June 2, 2014, you have run out of money.
No money left to participate when the market rebounds.

12. Source: https://www.google.com/finance
By June 2, 2014, you have run out of money.
No money left to participate when the market rebounds.
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13. Systemic Risk
“The risk inherent to the entire
market or an entire market
segment. Systematic risk, also
known as “undiversifiable risk,”
“volatility” or “market risk,” affects
the overall market, not just a
particular stock or industry.”

14. Systemic Risk
“This type of risk is both
unpredictable and
impossible to completely
avoid. It cannot be mitigated
through diversification…”

15. Systemic Risk
Systemic Risk is
responsible for a
significant portion of
price changes you see
in a stock market.

16. Systemic Risk
So how does one
avoid Systemic Risk?
LEAVE the SYSTEM!

17. One Solution…
A Fixed Indexed Annuity (FIA)
gives you the potential to
exceed traditional fixed
interest rates by linking your
interest credits to the
performance of an external
market index.

18. Fixed Indexed Annuity
If the market index rises…
Your money grows… Tax-deferred!
START
POINT
Annuity Account Value
Leading Market Index

19. Fixed Indexed Annuity
If the market index falls…
Your money protected…
Annuity Account Value
Leading Market Index
START
POINT

20. Fixed Indexed Annuity
As the market index recovers…
Your money grows…
Annuity Account Value
Leading Market Index
START
POINT

21. Fixed Indexed Annuity
So what happens next year?
Your values will either increase or
stay the same?…
Annuity Account Value
Leading Market Index
START
POINT
Your principal and past interest credits are
always protected.

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561 246-1404
0%
10%
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2013 1st
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2013 2nd
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Category 3 Category 4
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2012 2013 2014 2015
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