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Retirement Planning H.P. Financial Services
Retirement Planning <ul><li>What is retirement planning? </li></ul><ul><li>What is the right age to start the planning? </...
Fundamentals <ul><li>Goals </li></ul><ul><li>Start date </li></ul><ul><li>How much to save? </li></ul><ul><li>How long to ...
Good News & Bad News <ul><li>Bad News: </li></ul><ul><ul><li>Our retirement life will be equally long as our working life ...
Too Much Financial Noise! <ul><li>News about: </li></ul><ul><ul><li>State of the economy </li></ul></ul><ul><ul><li>Real e...
Good News… <ul><li>Tighter government regulations (following the recent financial crisis) </li></ul><ul><li>Banks and insu...
H.P. Financial’s Retirement Solution <ul><li>Plan early, Start early </li></ul><ul><li>Pay yourself first </li></ul><ul><l...
The Time Value of Money <ul><li>Which option would you pick? </li></ul><ul><li>Invest $16,000 and have $1,035,160 after 39...
Understanding the US Tax System <ul><li>The IRS taxes every type of income, growth, investment, and transfer </li></ul><ul...
H.P. Financial’s Smart Money Investment Order <ul><li>Free Money –  401k Matching </li></ul><ul><li>Tax-free Money –  Roth...
H.P. Financial’s Smart Investment Advice <ul><li>Never go backwards </li></ul><ul><li>Ensure for a guaranteed income durin...
For a free consultation: [email_address] 408.422.9007
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Retirement Planning

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A Practical Guide to Retirement Planning

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Retirement Planning

  1. 1. Retirement Planning H.P. Financial Services
  2. 2. Retirement Planning <ul><li>What is retirement planning? </li></ul><ul><li>What is the right age to start the planning? </li></ul><ul><li>What is the right age to retire? Who decides it? </li></ul>
  3. 3. Fundamentals <ul><li>Goals </li></ul><ul><li>Start date </li></ul><ul><li>How much to save? </li></ul><ul><li>How long to save for? </li></ul><ul><li>How to invest wisely? </li></ul><ul><li>Understanding tax implications </li></ul>
  4. 4. Good News & Bad News <ul><li>Bad News: </li></ul><ul><ul><li>Our retirement life will be equally long as our working life </li></ul></ul><ul><ul><li>Our parents are living longer (“Sandwich Generation”) </li></ul></ul><ul><ul><li>Child expenses are going up (i.e., College tuition) </li></ul></ul><ul><ul><li>It is a special time in the history of the US </li></ul></ul><ul><ul><li>Growing government deficit is leading to higher taxes </li></ul></ul><ul><ul><li>Social security is in jeopardy </li></ul></ul>
  5. 5. Too Much Financial Noise! <ul><li>News about: </li></ul><ul><ul><li>State of the economy </li></ul></ul><ul><ul><li>Real estate markets </li></ul></ul><ul><ul><li>Future trends </li></ul></ul><ul><ul><li>Etc. </li></ul></ul><ul><li>Media Sources: </li></ul><ul><ul><li>TV </li></ul></ul><ul><ul><li>Internet </li></ul></ul><ul><ul><li>Magazines / Newspapers </li></ul></ul><ul><ul><li>Etc. </li></ul></ul>
  6. 6. Good News… <ul><li>Tighter government regulations (following the recent financial crisis) </li></ul><ul><li>Banks and insurance companies are becoming more innovative, competitive, and progressive </li></ul><ul><li>Consumers have more options </li></ul><ul><li>The public is learning its lesson </li></ul>
  7. 7. H.P. Financial’s Retirement Solution <ul><li>Plan early, Start early </li></ul><ul><li>Pay yourself first </li></ul><ul><li>Be consistent </li></ul><ul><li>Understand the drag on your resources </li></ul><ul><li>Understand the tax impact on your retirement income </li></ul><ul><li>Understand various investment options as well as investment fallacies </li></ul><ul><li>Develop good savings habits </li></ul>
  8. 8. The Time Value of Money <ul><li>Which option would you pick? </li></ul><ul><li>Invest $16,000 and have $1,035,160 after 39 years </li></ul><ul><li>Invest $78,000 and have $883,185 after 39 years </li></ul>
  9. 9. Understanding the US Tax System <ul><li>The IRS taxes every type of income, growth, investment, and transfer </li></ul><ul><li>The IRS allows only two of the following three: </li></ul><ul><ul><li>Tax Deduction (i.e., IRA, 401k, etc.) </li></ul></ul><ul><ul><li>Tax Deferral </li></ul></ul><ul><ul><li>Tax-free Withdrawal (i.e., Roth IRA, Life Insurance, etc.) </li></ul></ul>
  10. 10. H.P. Financial’s Smart Money Investment Order <ul><li>Free Money – 401k Matching </li></ul><ul><li>Tax-free Money – Roth IRA, Life Insurance </li></ul><ul><li>Tax-deferred Money – IRA, 401k </li></ul><ul><li>Taxable Money – CD’s, Mutual Funds </li></ul>
  11. 11. H.P. Financial’s Smart Investment Advice <ul><li>Never go backwards </li></ul><ul><li>Ensure for a guaranteed income during retirement </li></ul><ul><li>Do not outlive your retirement money </li></ul>
  12. 12. For a free consultation: [email_address] 408.422.9007

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