The document discusses five key challenges to retirement security: longevity, low interest rates, inflation, sub-par investing results, and taxes. It notes that longevity has increased life expectancy dramatically, interest rates are at low levels, inflation continues to rise, many investors achieve returns below market indexes, and taxes on retirement funds can leave little for heirs. The document advocates developing a written retirement plan to address these issues and securing a personalized financial analysis.

1. Welcome! c_iflm_seminarppt_sa_7.ppt Deborah M. Lavinsky, CRPS, CEA Eide Bailly Financial Services LLC

2. Advisor is a Registered Representative of and offers securities through Securities America, Inc. Member NASD and SIPC. Investment Advisory Services offered through Eide Bailly Advisors, LLC a Registered Investment Advisor. Eide Bailly Financial Services, LLC is the holding company for Eide Bailly Advisors, LLC. Eide Bailly Financial Services and it subsidiaries are not affiliated with Securities America.

3. ROI Return on Investment

4. ROI Reliability of Income™ ROI- Reliability of Income is a trademark of Wealth2k, Inc.

5. These Are Trying Times Uncertain Economy Volatile Stock Markets Inflation Terrorist Threats High Debt Loads Low Savings Rate Low Interest Rates

6. The Challenges

7. Advantages Conveyed Education Material possessions

8. A Challenge Ahead We must shoulder more of the burden

9. A Perfect Storm

10. Five Factors Longevity Low Interest Rates Sub-Par Investing Results Inflation Taxes

11. Longevity

12. What is Old? In 1900 Life expectancy was 47 years 40 was considered “old” Source: U.S. Census Bureau

13. Retirements Lasting 25, 30 or even 40 years Outliving income? Nobody wants to be dependent upon children, grandchildren, government

14. Longevity Interest Rates

15. Interest Rates Low Rates are an advantage for borrowers Disadvantage for those who rely upon interest income

16. Interest Rates In terms of being able to produce income, the value of money changes all the time Rate Weekly Monthly $500,000 4.25% $286 $1239 Assumes a combined income tax bracket of 30% This is a hypothetical example for illustrative purposes only. It is not intended to reflect the actual performance of any security. Investments involve risk and you may incur a profit or a loss.

17. Longevity Interest Rates Inflation

18. Inflation

19. Inflation Sources: SBBI 2006 Yearbook $1.00 .68 .20 -25% -50%

20. Longevity Interest Rates Inflation Sub-Par Investing

21. Sub-Par Investing Results 1986 - 2005 Mutual Fund Investors The greatest Bull Market in U.S. history

22. Sub-Par Investing Results Source: DALBAR Associates QAIB study, July, 2005 Past performance is not a guarantee of future results. S&P 500 is an unmanaged index of 500 widely held stocks. Inclusion is for illustrative purposes only. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary.

23. WHY?

24. Emotional Momentum Factor™ (EMF) The tendency to make investment decisions in an emotional manner fluctuating between greed and fear, and in the absence of a fundamental allocation of dollars between saving and investing Emotional Momentum Factor (EMF) is a trademark of Wealth2k, Inc.

25. Saving vs. Investing Understanding the Difference

26. The Two Colors of Money

27. Red Money “Hot” Chases returns Takes on risk Volatile The money we invest

28. Green Money Accepts no risk Craves stability Willing to accept a lower rate of return The money we save

29. Do you know anyone who has lost money investing? Do you know anyone who has lost money in a savings account? Life Experiences ?

30. The potential for achieving excellent investing results is not to be found in timing the market ... ...it’s a function of time in the market

31. Longevity Interest Rates Inflation Sub-Par Investing Taxes

33. 70 ½ Tax Trap At age 70 ½ the IRS mandates that you begin taking money from your retirement accounts Required Minimum Distributions (RMDs) Potentially subject to a Triple Tax Income tax Increase in tax payable on Social Security benefits Estate taxes

34. This could leave as little as 1/3 of this asset to your children Heirs Estate Tax Income Tax

35. Review 5 issues threatening retirement security Longevity Low interest rates Inflation Poor investing results Taxes

36. Conclusions Many challenges to meet A new strategy is called for

37. Consumer Presentation Launch presentation now

38. Review Ben’s Baseline income $2,358 Inflation adjusted $4,260 Liquidity Access to ‘segments’ at any time Accumulate initial amount $500,000

39. Our Concerns Are Real Not one of us can afford to be complacent about our retirements

40. Facts Longevity is increasing Interest rates are low Many suffer poor investing results Inflation is a fact of life Taxes are not going away

41. A 2003 study found that only one in five retirees or pre-retirees has a written plan for managing income, assets and expenses during retirement, and that many of those who do have based them on incorrect assumptions . Source LIMRA International Inc .

42. Regardless of which group you fall into… You need to take the next step.

43. Your Next Step A Free Personalized Analysis

44. Advisor is a Registered Representative of and offers securities through Securities America, Inc. Member FINRA and SIPC. Investment Advisory Services offered through Eide Bailly Advisors, LLC a Registered Investment Advisor. Eide Bailly Financial Services, LLC is the holding company for Eide Bailly Advisors, LLC. Eide Bailly Financial Services and it subsidiaries are not affiliated with Securities America.