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CHARTING A COURSE 
A G U I D E TO R E T I R EME N T/ I N V E S T I N G P L A N N I N G 
PRESENTED BY: 
WES MOSS, CFP
WES MOSS, CFP 
Chief Investment Strategist 
CAPITAL INVESTMENT ADVISORS, INC. 
 [insert your bio or company information] ...
WHO NEEDS PLANNING? 
People in their 30s who are finishing student loan and credit card 
payments… 
People in their 40s ...
Written 
Financial Plan 
Successful 
Retirement 
Risk Planning 
Accumulation 
Bucket 
Approach 
Monitor & 
Review Your 
Pr...
ASSIGN INVESTMENT GOALS 
Pre-Retirement 
(Phase I) 
Accumulation 
Long-term growth 
Consistent savings 
Time to recover 
P...
MAPPING THE ROUTE TO 
YOUR DESTINATION… 
Emergency 
Cash Savings 
3-6 months 
fixed 
expenses 
Home Purchase 
Generally 
b...
UNDERSTANDING 
RISK/REWARD Risk Planning 
Cash Income Growth 
Cash Income Growth 
HIGH 
LOW
HIERARCHY OF INVESTMENT 
SAVINGS 
Taxable Investments 
Fund brokerage 
account 
Max out 401k 
Max out 401k 
Roth IRA 
Full...
YOUR BUCKETS… 
Cash 
• Emergency needs 
• Sleep-well-at-night cash 
Income 
•Manage volatility 
• Ensure you are 
generati...
YOUR BUCKETS… 
Cash 
• Emergency needs 
• Sleep-well-at-night cash 
Income 
•Manage volatility 
• Ensure you are 
generati...
MANAGE YOUR ALLOCATION 
“Know what you have and why you need it…” 
Income 
Growth 
Cash 
PHASE I 
Cash 
•Emergency needs 
...
MANAGE YOUR ALLOCATION 
PHASE II 
“Know what you have and why you need it…” 
Income 
Growth 
Cash 
Cash 
•Emergency needs ...
ECONOMIC/INVESTMENT DATA 
7 
6 
5 
4 
3 
2 
1 
0 
Year 1 Year 2 Year 3 Year 4 
Returns 
Insert Your Own Timely Data 
Bonds...
SUCCESSFUL RETIREMENT 
 Assess what phases of the investment cycle you have accomplished… 
 If you’re ready to move forw...
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Charting a course by Wes Moss

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charting a course

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Charting a course by Wes Moss

  1. 1. CHARTING A COURSE A G U I D E TO R E T I R EME N T/ I N V E S T I N G P L A N N I N G PRESENTED BY: WES MOSS, CFP
  2. 2. WES MOSS, CFP Chief Investment Strategist CAPITAL INVESTMENT ADVISORS, INC.  [insert your bio or company information] Capital Investment Advisors is a fee-only financial advisory and portfolio management firm based in Atlanta.  Since 1994 Capital has been providing clients with financial strategy and management tailored to the client’s individual circumstances and objectives rather than advisor incentives or commissions.
  3. 3. WHO NEEDS PLANNING? People in their 30s who are finishing student loan and credit card payments… People in their 40s who are saving for retirement and planning for education costs… People in their 50s who are saving for retirement and paying for college… People in their 60s who are “officially” retiring from work… Everyone!
  4. 4. Written Financial Plan Successful Retirement Risk Planning Accumulation Bucket Approach Monitor & Review Your Progress Fill Buckets
  5. 5. ASSIGN INVESTMENT GOALS Pre-Retirement (Phase I) Accumulation Long-term growth Consistent savings Time to recover Post-Retirement (Phase II) Distribution Current income NO savings Lack of recovery time Written Financial Plan
  6. 6. MAPPING THE ROUTE TO YOUR DESTINATION… Emergency Cash Savings 3-6 months fixed expenses Home Purchase Generally biggest investment Career Change? Possible IRA Rollover Pay for Kid’s College? Generally 2nd biggest investment Increased Savings Years Post kids college, generally mid-50s Written Financial Plan Today… Retirement ?
  7. 7. UNDERSTANDING RISK/REWARD Risk Planning Cash Income Growth Cash Income Growth HIGH LOW
  8. 8. HIERARCHY OF INVESTMENT SAVINGS Taxable Investments Fund brokerage account Max out 401k Max out 401k Roth IRA Fully fund Roth IRA Match 401k Match employer contributions Emergency Cash Savings 3-6 months fixed expenses Accumulation
  9. 9. YOUR BUCKETS… Cash • Emergency needs • Sleep-well-at-night cash Income •Manage volatility • Ensure you are generating enough income to live on Growth • Counter inflation and appreciate capital over time Bucket Approach Cash Income Growth
  10. 10. YOUR BUCKETS… Cash • Emergency needs • Sleep-well-at-night cash Income •Manage volatility • Ensure you are generating enough income to live on Growth • Counter inflation and appreciate capital over time Fill Buckets Cash Income Growth
  11. 11. MANAGE YOUR ALLOCATION “Know what you have and why you need it…” Income Growth Cash PHASE I Cash •Emergency needs • Sleep-well-at-night cash Income •Ensure you are generating enough income to live on Growth •Counter inflation and appreciate capital over time Monitor & Review Your Progress
  12. 12. MANAGE YOUR ALLOCATION PHASE II “Know what you have and why you need it…” Income Growth Cash Cash •Emergency needs • Sleep-well-at-night cash Income •Ensure you are generating enough income to live on Growth •Counter inflation and appreciate capital over time
  13. 13. ECONOMIC/INVESTMENT DATA 7 6 5 4 3 2 1 0 Year 1 Year 2 Year 3 Year 4 Returns Insert Your Own Timely Data Bonds Cash Stocks
  14. 14. SUCCESSFUL RETIREMENT  Assess what phases of the investment cycle you have accomplished…  If you’re ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help.  Don’t feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area. Wes Moss, CFP® Chief Investment Strategist Capital Investment Advisors, Inc. 200 Sandy Springs Place, Suite 300 Atlanta, GA 30328 404-531-0018 www.yourwealth.com

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