1. Provided By
Building Your
Retirement
Income Plan
An Introduction to a
Simple and Sensible Approach to
Retirement Income Planning
TRIUMVIRATE CAPITAL GROUP, INC
15165 VENTURA BLVD., SUITE 245
SHERMAN OAKS, CA 91403
TEVIS VERRETT
CORPORATE OFFICES CA/MI: 844.341.9992

2. Building Your
Retirement Income Plan
For use with non-registered products only. The insurance products described may be issued by various companies and may not be available in all states, and state variations may apply. All references
to insurance products are subject to the contractual terms and conditions of the issuer. These materials are provided for educational purposes Brokers Alliance, Inc., makes no representation regarding
the suitability of the concepts or products for an individual, and this should not be construed as providing tax or legal advice. You should consult your own tax and/or legal advisors before purchasing
these products. To ensure compliance with requirements imposed by the IRS, we inform you that, unless expressly stated otherwise, any U.S. federal tax advice contained in this communication
(including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or
recommending to another party any transaction or matter addressed herein.
© 2014 Brokers Alliance, Inc. & IFL Plan, Inc.
TEVIS VERRETT
2
A Simple & Sensible Approach to
Building Your Retirement Income Plan
Your challenges in retirement are daunting. Many challenges cannot be foreseen nor eliminated,
but a following a simple and sensible process can lead to a plan that can help reduce your concerns and
increase the chances that your retirement income will last as long as you do.
Picture your total retirement income as represented by the triangle figure below, and that your total
retirement income consists of two distinct income streams – Foundation Income and Discretionary Income.
“Foundation Income”
is the income you need to
maintain your basic needs and
comfort throughout retirement.
Typically consists of expenses
such as housing, groceries,
transportation, insurance
premiums, and medical.
“Discretionary Income”
is the additional income you
want for fun and family
throughout retirement.
Typically consists of expenses
such as hobbies, travel,
recreation, dining out, and
family assistance.
The predictability and certainty of your Foundation Income stream is critical - it pays for your basic needs
and comfort. Foundation Income must be protected and reliable throughout your retirement. The
predictability of your Discretionary Income stream is less critical than for your Foundation Income. While
you always want “fun money”, in times of economic and financial market downturns it is reasonable to
reduce expenses such as travel and dining out, but you cannot stop paying the bills for your basic needs
and comfort. It just makes sense.
The different income streams serve different purposes within your total retirement income,
thus in building your retirement income plan it typically makes sense
to use different financial tools to achieve them.
Our process for helping you to determine how to best position your retirement savings to
achieve both income streams is detailed at the following pages.

3. Building Your
Retirement Income Plan
For use with non-registered products only. The insurance products described may be issued by various companies and may not be available in all states, and state variations may apply. All references
to insurance products are subject to the contractual terms and conditions of the issuer. These materials are provided for educational purposes Brokers Alliance, Inc., makes no representation regarding
the suitability of the concepts or products for an individual, and this should not be construed as providing tax or legal advice. You should consult your own tax and/or legal advisors before purchasing
these products. To ensure compliance with requirements imposed by the IRS, we inform you that, unless expressly stated otherwise, any U.S. federal tax advice contained in this communication
(including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or
recommending to another party any transaction or matter addressed herein.
© 2014 Brokers Alliance, Inc. & IFL Plan, Inc.
TEVIS VERRETT
3
Our Process
A Simple & Sensible Approach to
Building Your Retirement Income Plan
Our approach begins with determining your
Foundation and Discretionary expenses you
anticipate in retirement. If you are not yet retired, then
you provide us with your anticipated retirement
expenses; if you are already retired, then you provide
with expenses that you know and those that you
anticipate. We provide you with a form to help you.
A critical part of this step is to determine known and
anticipated changes (decreases or increases) to your
Foundation and Discretionary expenses and when
those changes are expected to occur.
Our next step is to determine the retirement income
that you will receive from Social Security and other
“Secure Income Sources.” Secure Income Sources
are sources of retirement income that are not related to
nor dependent upon your retirement savings, such as
Social Security benefits, pensions or rental property
with a solid history of producing steady income. If you
don’t know how to determine your Social Security
benefits, as for our “Determining Your Social Security
Benefits“ document.
Using the information you provide us, we then create
your Retirement Income Forecast. The amount of
pre-tax income required to pay for your expenses is
determined, inflation projections and expense changes
are applied, and income requirements and Secure
Income Sources are forecast for the anticipated duration
of your retirement, typically for at least 20 years.

4. Building Your
Retirement Income Plan
For use with non-registered products only. The insurance products described may be issued by various companies and may not be available in all states, and state variations may apply. All references
to insurance products are subject to the contractual terms and conditions of the issuer. These materials are provided for educational purposes Brokers Alliance, Inc., makes no representation regarding
the suitability of the concepts or products for an individual, and this should not be construed as providing tax or legal advice. You should consult your own tax and/or legal advisors before purchasing
these products. To ensure compliance with requirements imposed by the IRS, we inform you that, unless expressly stated otherwise, any U.S. federal tax advice contained in this communication
(including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or
recommending to another party any transaction or matter addressed herein.
© 2014 Brokers Alliance, Inc. & IFL Plan, Inc.
TEVIS VERRETT
4
Our Process
A Simple & Sensible Approach to
Building Your Retirement Income Plan
The Retirement Income Forecast reveals your
“Income Gaps.” Income gaps represent the amount
of your retirement income that must be generated by
your retirement savings; this is where you will spend
your retirement savings. Your Retirement Income
Forecast reveals two income gaps:
• Your Foundation Income Gap: The year-by-year
difference between your Foundation Income needs
and your Secure Income Sources.
• Your Total Income Gap: The year-by-year
difference between your Total Income Goal and
your Secure Income Sources. Your “Total Income
Goal” is the combination of your Foundation
Income needs and your Discretionary Income
desires.
Our planning goal is to create your retirement income goals
in the least complex and most practical way possible.
Your Retirement Income Forecast is the basis upon
which we then help you to develop a plan for the best
positioning of your retirement savings to:
• Assure that your Foundation Income Gap is
closed with protected, reliable, and insured
income streams for your lifetime. This provides
certainty that your Foundation Income needs will
be met for your lifetime.
• Achieve your Total Income Goal by filling your
Total Income Gap with income streams from
savings and investment sources that are not
necessarily fully protected, but offer growth
potential and liquidity consistent with your risk
tolerance and other factors.

5. Building Your
Retirement Income Plan
For use with non-registered products only. The insurance products described may be issued by various companies and may not be available in all states, and state variations may apply. All references
to insurance products are subject to the contractual terms and conditions of the issuer. These materials are provided for educational purposes Brokers Alliance, Inc., makes no representation regarding
the suitability of the concepts or products for an individual, and this should not be construed as providing tax or legal advice. You should consult your own tax and/or legal advisors before purchasing
these products. To ensure compliance with requirements imposed by the IRS, we inform you that, unless expressly stated otherwise, any U.S. federal tax advice contained in this communication
(including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or
recommending to another party any transaction or matter addressed herein.
© 2014 Brokers Alliance, Inc. & IFL Plan, Inc.
TEVIS VERRETT
5
Your Retirement Income Forecast
A Simple & Sensible Approach to
Building Your Retirement Income Plan
Your Retirement Income Forecast answers five key questions.
► How much retirement income will we need?
Your projected year-by-year Foundation Income needs,
Discretionary Income desires, and Total Income Goal.
Your Forecast includes the application of projected
inflation and anticipated changes to expenses.
► How much will we receive from Social Security?
Your projected year-by-year income from Social Security
benefits and other Secure Income Sources, including the
application of projected Cost of Living Increases.
► How much is our income gap?
Your projected year-by-year Foundation Income Gap and
Total Income Gap, revealing the amount of retirement
income that must be generated by retirement savings.
► How do we fill the gap using our savings?
Recommended positioning for your retirement savings to
close your Foundation Income Gap and achieve your Total
Income Goal throughout retirement.
► How long will our income and savings last?
Projected year-by-year retirement savings balance based
upon the execution of proposed asset positioning.

6. Building Your
Retirement Income Plan
For use with non-registered products only. The insurance products described may be issued by various companies and may not be available in all states, and state variations may apply. All references
to insurance products are subject to the contractual terms and conditions of the issuer. These materials are provided for educational purposes Brokers Alliance, Inc., makes no representation regarding
the suitability of the concepts or products for an individual, and this should not be construed as providing tax or legal advice. You should consult your own tax and/or legal advisors before purchasing
these products. To ensure compliance with requirements imposed by the IRS, we inform you that, unless expressly stated otherwise, any U.S. federal tax advice contained in this communication
(including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or
recommending to another party any transaction or matter addressed herein.
© 2014 Brokers Alliance, Inc. & IFL Plan, Inc.
TEVIS VERRETT
6
If you are within 10 years of retirement or
have recently retired, don’t wait!
You need a plan.
Your retirement income is too important
for guesswork.
Contact us today to get your complimentary
Retirement Income Forecast!
TRIUMVIRATE CAPITAL GROUP, INC
15165 VENTURA BLVD., SUITE 245
SHERMAN OAKS, CA 91403
TEVIS VERRETT
CORPORATE OFFICES CA/MI: 844.341.9992