Thanks for joining us. We will begin shortly. UFOs, Social Security and Swimming Naked: Improving financial plans before the tide goes out.

“… question is not how old are people now, but when were they young” 1 [1]Bowling Alone: The Collapse and Revival of American Community , Robert D. Putnam, Simon & Schuster, New York, 2000, p. 251.

Our Agenda Today Historical musical tour Observations about generations Table discussion, discovery & decision

Historical musical tour

Observations about generations

Table discussion, discovery & decision

We Can’t Start the Fire © copyright: 1989 Joel Songs; All rights controlled and administered by EMI Blackwood Music, Inc All rights reserved, International copyright secured

About 50 Years of History in 4:30 min. with stops in-between by Billy Joel and friends What are start and end years for song? Most significant event(s) for you and table partners during these years? Note as many events as you remember, quantity matters.

What are start and end years for song?

Most significant event(s) for you and table partners during these years?

Note as many events as you remember, quantity matters.

Generational Cohorts As of 2006 Birth Years Seasoned Matures >61+ 1909-1945 Boomers 42-60 1946-1964 Gen X 27-41 1965-1979 Millennials < 26 1980-2000

As of 2006 Birth Years

Seasoned Matures >61+ 1909-1945

Boomers 42-60 1946-1964

Gen X 27-41 1965-1979

Millennials < 26 1980-2000

What’s a Generation? Shared values + Common experiences Your generation

Do you plan on working past 65 years old? ©2006 Ipsos Public Affairs and Aetna survey, 517 adults, Ages 45-64, margin of error +/- 1% 54% said YES 45% said NO Generations surveyed: Mostly boomers and younger seasoned matures

Which do I believe in; ufos or will social security still exist when I retire? The Luntz Research Companies / Mark A. Siegel And Associates INTERVIEW SCHEDULE 18-34 Survey N= 500 - Margin of Error +/- 4.4% September 1994 46% said YES 63% said NO!! Bonus question: Which generation(s) made these choices? Young Boomers and Gen X

401(K) Participation Rate by Generation Millennials [age 18-25] 31.3% Gen X [ages 26-41] 63% Boomers [ages 42-59] 72% ©2006 Hewitt Associates, LLC

Millennials [age 18-25] 31.3%

Gen X [ages 26-41] 63%

Boomers [ages 42-59] 72%

“ It's only when the tide goes out that you learn who's been swimming naked.” Warren Buffet A Measure of Risk

Your Discussion -Discovery -Decision Discuss youthful experiences and values learned Discover generational influences on your financial plans Decide with Tim Dierkes your financial choices

Discuss youthful experiences and values learned

Discover generational influences on your financial plans

Decide with Tim Dierkes your financial choices

Thanks for coming today!! Doug Caldwell The Success Faciliator +1-214-641-4084 [email_address]