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Laquity Pitch deck
- 2. 2 The plan itself used to be simple
- 3. Pensions have been replaced by the 401k 3
- 4. » People are living longer, healthier lives » Interest rates are at historic lows » Equities are volatile » Therefore, it can be confusing for retirees on where to turn for income. 4
- 5. 5 Society of Actuaries website www.soa.org, May 23, 2013
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- 8. 8 » Equity exposure to combat inflation » Guaranteed income to protect from downside risk » Simple, predictable income stream » Assets remain invested with your advisor » Flexibility to make changes whenever life demands it INTRODUCING LAQUITY’S RETIREONE S O L U T I O N
- 9. 9
- 10. 10
- 11. 11
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Editor's Notes
- As the slide says, different generations had a pretty simple approach to retirement…Save for retirement, take that savings and invest conservatively using CDs and Bonds, but for the most part, count on Social Security and their Pension to meet their retirement income goals.Thanks to their pension, they had a check in their mailbox every month.
- However, pensions are not as prevalent as they once were. The pension has been replaced by the 401k.So what does that mean? With a 401k you get one check. And it’s up to you to make that one check last a lifetime.
- As you embrace that challenge, here are the potential “avalanches” that wait for you.Speak to bullet points.
- First lets discuss Longevity.Everyone knows that people are living longer, healthier lives. But lets take a closer look at some data to back up that statement.At age 65, men have a 52% chance they’ll live until 85 and a 13% chance they’ll live until 95; women have a 59% chance they’ll live until 85 and a 20% chance they’ll live until 95.A healthy couple of ages 65 has a 50% chance of at least one spouse living beyond 92 and a 25% chance one will live beyond 97. That means there’s a strong possibility the retirement income for you and your spouse will need to last 25 years or more!
- Speak to slide
- The process is quite simple…Speak to slide
- Speak to slide
- Speak to slide