The document discusses investing for retirement during the "Retirement Red Zone", which refers to the period in retirement when investments are most vulnerable due to challenges like longevity, healthcare costs, pensions, and market volatility. It introduces a variable annuity product that offers lifetime guaranteed income as a solution to address these risks and help preserve savings. Key features highlighted include downside protection, upside potential, and guaranteed lifetime income without giving up control of savings.
This document discusses challenges to retirement planning, including changes from pensions to 401(k)s, more retirees working, rising costs of living and healthcare, and uncertainty around Social Security. It then provides an example retirement planning calculation showing the need to save over $1 million. Finally, it emphasizes developing a retirement strategy in consultation with a financial professional to address challenges through diversification, asset allocation, and insurance products.
The document provides Greenspring Wealth Management's 2010 investment outlook presented by Patrick Collins. It discusses important disclosures for investors and summarizes investment performance in 2009. Key themes for 2010 discussed include valuations returning to normal across asset classes, long-term demographic trends favoring emerging markets, increasing taxes to fund government debt, and whether inflation or deflation will emerge.
Retirement Presentation For Small Businessguest4a21e5
This document compares various retirement plan options for small businesses, including SIMPLE IRAs, SEP IRAs, 401(k) plans, and Safe Harbor 401(k) plans. It provides details on employer and employee contribution limits, eligibility requirements, advantages and disadvantages of each type of plan. Key facts highlighted include that SIMPLE IRAs require mandatory employer contributions matching employee contributions up to 3% of compensation, while SEP IRAs allow discretionary employer contributions up to 25% of compensation.
The document discusses various retirement plan options for small businesses, including SIMPLE IRAs, SEP IRAs, and 401(k) plans. It outlines the key features of each plan such as eligibility, contribution limits, tax benefits, and administrative requirements to help business owners determine the best option. SIMPLE IRAs require mandatory employer contributions but have low costs and administration, while SEP IRAs offer more flexibility in employer contributions but involve greater participation requirements.
The document discusses different investment options and their risk and return profiles, including stocks, bonds, and life settlements. It then provides details on how life settlement investments work, including purchasing a portion of a life insurance policy at a discount, with returns paid out when the insured passes away. Life settlements offer potential annual returns of 10-15% with very low risk of losing principal, providing diversification benefits compared to traditional markets like stocks and bonds.
Common Factors Affecting Retirement IncomeDolf Dunn
People have two very distinct investment periods in their lives, Accumulation and Distribution. Brokers are paid in the accumulation phase, not so much in the distribution phase. Fee-based Financial Planners, like myself, are paid along the way to give our clients great advice in both phases of their lives. Distribution phase is the more difficult of the two to get right. If you do not do proper planning, one risks running out of money before your last breathe. Not to be entrusted to amateurs. I can help, please give me a call.
This document provides views on asset allocation for 2020. Bonds yields have fallen significantly over the past year across developed markets. The US election poses uncertainty. Equity views are provided for different regions and sectors, with US and emerging markets seen as attractive, while European banks and some commodities are viewed cautiously. Maintaining a balanced portfolio with diversification is emphasized to provide protection against various risks and opportunities.
The document discusses asset allocation and how combining different asset classes such as stocks and bonds can help reduce risk for investors. It provides examples showing that a balanced portfolio with a mix of stocks and bonds experiences less volatility than an all-stock or all-bond portfolio. The key benefits of asset allocation mentioned are that it can help manage portfolio volatility, potentially increase returns, and mitigate common investor behavioral biases.
This document discusses challenges to retirement planning, including changes from pensions to 401(k)s, more retirees working, rising costs of living and healthcare, and uncertainty around Social Security. It then provides an example retirement planning calculation showing the need to save over $1 million. Finally, it emphasizes developing a retirement strategy in consultation with a financial professional to address challenges through diversification, asset allocation, and insurance products.
The document provides Greenspring Wealth Management's 2010 investment outlook presented by Patrick Collins. It discusses important disclosures for investors and summarizes investment performance in 2009. Key themes for 2010 discussed include valuations returning to normal across asset classes, long-term demographic trends favoring emerging markets, increasing taxes to fund government debt, and whether inflation or deflation will emerge.
Retirement Presentation For Small Businessguest4a21e5
This document compares various retirement plan options for small businesses, including SIMPLE IRAs, SEP IRAs, 401(k) plans, and Safe Harbor 401(k) plans. It provides details on employer and employee contribution limits, eligibility requirements, advantages and disadvantages of each type of plan. Key facts highlighted include that SIMPLE IRAs require mandatory employer contributions matching employee contributions up to 3% of compensation, while SEP IRAs allow discretionary employer contributions up to 25% of compensation.
The document discusses various retirement plan options for small businesses, including SIMPLE IRAs, SEP IRAs, and 401(k) plans. It outlines the key features of each plan such as eligibility, contribution limits, tax benefits, and administrative requirements to help business owners determine the best option. SIMPLE IRAs require mandatory employer contributions but have low costs and administration, while SEP IRAs offer more flexibility in employer contributions but involve greater participation requirements.
The document discusses different investment options and their risk and return profiles, including stocks, bonds, and life settlements. It then provides details on how life settlement investments work, including purchasing a portion of a life insurance policy at a discount, with returns paid out when the insured passes away. Life settlements offer potential annual returns of 10-15% with very low risk of losing principal, providing diversification benefits compared to traditional markets like stocks and bonds.
Common Factors Affecting Retirement IncomeDolf Dunn
People have two very distinct investment periods in their lives, Accumulation and Distribution. Brokers are paid in the accumulation phase, not so much in the distribution phase. Fee-based Financial Planners, like myself, are paid along the way to give our clients great advice in both phases of their lives. Distribution phase is the more difficult of the two to get right. If you do not do proper planning, one risks running out of money before your last breathe. Not to be entrusted to amateurs. I can help, please give me a call.
This document provides views on asset allocation for 2020. Bonds yields have fallen significantly over the past year across developed markets. The US election poses uncertainty. Equity views are provided for different regions and sectors, with US and emerging markets seen as attractive, while European banks and some commodities are viewed cautiously. Maintaining a balanced portfolio with diversification is emphasized to provide protection against various risks and opportunities.
The document discusses asset allocation and how combining different asset classes such as stocks and bonds can help reduce risk for investors. It provides examples showing that a balanced portfolio with a mix of stocks and bonds experiences less volatility than an all-stock or all-bond portfolio. The key benefits of asset allocation mentioned are that it can help manage portfolio volatility, potentially increase returns, and mitigate common investor behavioral biases.
Southern Charter Entrepreneur School Module 1SouthernCharter
This document provides an overview of an investment planning module that teaches clients about annuities for retirement income. It outlines 7 objectives of the module: 1) understand the client fully, 2) establish the client's risk profile and needs, 3) determine if their income requirement is reasonable, 4) explain annuity options simply, 5) explain the tax and investment strategy, 6) recommend a cost-effective platform, and 7) summarize the discussion in a written proposal. It then presents a case study of a client, John, who is retiring, and analyzes his needs, risk tolerance, and the best annuity option and investment strategy for his situation.
This document provides an overview of annuities, including:
- Annuities are insurance contracts that allow individuals to save money on a tax-deferred basis and receive guaranteed lifetime income in retirement.
- Premiums are invested and earnings accumulate tax-deferred, while payouts in retirement are partially taxed as ordinary income.
- Annuities offer benefits like guaranteed lifetime withdrawals, death benefits for beneficiaries, and options to convert savings into fixed or variable lifetime income payments.
- Factors like investment performance, age, and payout options chosen determine the amount of annuity income received in retirement.
WHAT DO I DO WITH MY THRIFT SAVINGS PLAN (TSP) WHEN I SEPARATE?James Groh, MBA
When you leave military or civilian government service you have the opportunity to rollover your TSP into an IRA/Roth IRA with a financial professional. Should you leave your money in the TSP system or move it? This article can help you decide.
This document discusses the importance of financial planning for businesses and estates. It provides several case studies, or "war stories", to illustrate common issues that can arise without proper planning, such as insolvency, incorrectly structured buy-and-sell agreements, and complications when business interests are part of an estate. The document emphasizes that understanding a client's full situation and wishes is key to developing a plan that ensures their assets are distributed as they intended. It also stresses the role of life insurance, wills, and trusts in addressing liquidity issues and unlocking opportunities for beneficiaries.
Missing just a few days of strong market returns over a 15-year period could significantly reduce long-term returns. Sitting on the sidelines poses serious risks to performance. Common pitfalls include waiting for perfect conditions, chasing past returns, and panicking during volatility. Financial advisors can help clients navigate these risks through asset allocation, diversification, and periodic rebalancing.
The Ab Cs Of Variable Annuities Presentationjtarnofs
1) Variable annuities are long-term investment products designed for retirement purposes that allow payments to an insurance company which then pays out an income or lump sum later.
2) There are fees associated with variable annuities including mortality and expense charges, sales charges, and fees for optional benefits.
3) Case studies are presented to show how variable annuities may help investors meet different financial goals like guaranteed retirement income or protecting beneficiaries.
The document provides an overview and summary of a presentation on successful retirement planning. It discusses the current economic environment and where the economy has been, where it is now, and where it may be going. It also discusses employer-sponsored retirement plans and how they can fit different practices. The presentation was given by Tim Gaigals and covered topics like different types of retirement plans that are commonly used, when each type is best utilized, and how to design an effective retirement plan.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
This document summarizes Liberty's new Agile Retirement Range investment products. It introduces the Exact Income Fund, which guarantees the level of retirement income the investment can purchase. Investors choose an income amount at investment, and Liberty guarantees that level of monthly income at retirement. Fees are low, with no upfront fees and ongoing advice fees of up to 0.5% for the Exact Income Fund. The document outlines how the Exact Income Fund works, provides income options at retirement, and explains the benefits of knowing exactly what level of retirement income the investment can purchase. It encourages advisers to provide this new solution to better meet customer needs for guaranteed retirement income.
The document discusses an investment advisory firm that aims to:
1. Design investment plans tailored to clients' life goals
2. Build plans using academic research
3. Protect clients' futures through discipline and structure
The summary emphasizes partnering with clients, using research-backed strategies, and maintaining discipline to achieve long-term goals.
This document summarizes a presentation by Investec Investment Management Services on recent tax and legal updates in South Africa. It discusses recommendations from the Davis Tax Committee report on estate duty, the Taxation Laws Amendment Bill of 2015, and draft default regulations for retirement funds. Key points include increasing the estate duty abatement, aligning provident fund payout rules with other funds, and new requirements for retirement funds around default preservation, investment portfolios, and annuity options.
The document provides an overview and analysis of financial markets in 2009. It discusses the economic turmoil affecting markets, outlines different types of market declines, and analyzes stock and bond returns over time. The document emphasizes maintaining realistic expectations, the benefits of long-term investing, and risks of trying to time the market.
The document provides an overview of market volatility and downturns. It discusses how declines are normal aspects of the market cycle and outlines historical data on the average length and frequency of different types of declines. It also notes that expansions have typically lasted longer than recessions throughout history.
This document provides a quarterly market outlook and analysis from Anchor Fixed Income for Q1 and Q2 of 2018. It summarizes recent events impacting South African markets, analyzes inflation and interest rate trends, and outlines key risks and opportunities for fixed income investments locally and offshore. The document recommends positioning for potential interest rate cuts in South Africa, notes there is still value in local bonds, and advises patience as volatility is expected from political and external factors.
Personal Financial Management through 5nance.comManvi Sharma
The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.
Capital Markets Review for Financial AdvisorsCraig Wesley
Many Financial Advisors are looked to by their clients to explain market conditions. Here is a slideshare that may be useful to distill into a high level explanation for your clients.
www.optimalcapital.com
1) While energy prices have recovered somewhat over the past year, they remain below levels needed for oil producers to drill profitable wells.
2) Declining oil prices have dampened investor sentiment about oil-exporting emerging markets and could lead to increased financial market volatility.
3) However, lower oil prices also provide an opportunity to reform oil-reliant economies and diversify them.
4) Oil prices are projected to recover from current lows but remain below recent peaks, with ongoing volatility expected depending on supply and demand adjustments.
LinkedIn is a powerful professional networking platform that can help grow your career when used effectively. Lewis Howes offers his top 10 tips for optimizing your LinkedIn profile and network on his website at www.lewishowes.com. These tips provide actionable advice for professionals looking to expand their network and opportunities on LinkedIn.
A person asks if someone can help them take a picture. The other person takes a picture and asks if it's alright, to which they reply it's good but they want a different background. They take another picture and tell them to smile like saying "cheese" in English. After seeing the second picture, they say it's very pretty and thank the other person for their help.
Southern Charter Entrepreneur School Module 1SouthernCharter
This document provides an overview of an investment planning module that teaches clients about annuities for retirement income. It outlines 7 objectives of the module: 1) understand the client fully, 2) establish the client's risk profile and needs, 3) determine if their income requirement is reasonable, 4) explain annuity options simply, 5) explain the tax and investment strategy, 6) recommend a cost-effective platform, and 7) summarize the discussion in a written proposal. It then presents a case study of a client, John, who is retiring, and analyzes his needs, risk tolerance, and the best annuity option and investment strategy for his situation.
This document provides an overview of annuities, including:
- Annuities are insurance contracts that allow individuals to save money on a tax-deferred basis and receive guaranteed lifetime income in retirement.
- Premiums are invested and earnings accumulate tax-deferred, while payouts in retirement are partially taxed as ordinary income.
- Annuities offer benefits like guaranteed lifetime withdrawals, death benefits for beneficiaries, and options to convert savings into fixed or variable lifetime income payments.
- Factors like investment performance, age, and payout options chosen determine the amount of annuity income received in retirement.
WHAT DO I DO WITH MY THRIFT SAVINGS PLAN (TSP) WHEN I SEPARATE?James Groh, MBA
When you leave military or civilian government service you have the opportunity to rollover your TSP into an IRA/Roth IRA with a financial professional. Should you leave your money in the TSP system or move it? This article can help you decide.
This document discusses the importance of financial planning for businesses and estates. It provides several case studies, or "war stories", to illustrate common issues that can arise without proper planning, such as insolvency, incorrectly structured buy-and-sell agreements, and complications when business interests are part of an estate. The document emphasizes that understanding a client's full situation and wishes is key to developing a plan that ensures their assets are distributed as they intended. It also stresses the role of life insurance, wills, and trusts in addressing liquidity issues and unlocking opportunities for beneficiaries.
Missing just a few days of strong market returns over a 15-year period could significantly reduce long-term returns. Sitting on the sidelines poses serious risks to performance. Common pitfalls include waiting for perfect conditions, chasing past returns, and panicking during volatility. Financial advisors can help clients navigate these risks through asset allocation, diversification, and periodic rebalancing.
The Ab Cs Of Variable Annuities Presentationjtarnofs
1) Variable annuities are long-term investment products designed for retirement purposes that allow payments to an insurance company which then pays out an income or lump sum later.
2) There are fees associated with variable annuities including mortality and expense charges, sales charges, and fees for optional benefits.
3) Case studies are presented to show how variable annuities may help investors meet different financial goals like guaranteed retirement income or protecting beneficiaries.
The document provides an overview and summary of a presentation on successful retirement planning. It discusses the current economic environment and where the economy has been, where it is now, and where it may be going. It also discusses employer-sponsored retirement plans and how they can fit different practices. The presentation was given by Tim Gaigals and covered topics like different types of retirement plans that are commonly used, when each type is best utilized, and how to design an effective retirement plan.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
This document summarizes Liberty's new Agile Retirement Range investment products. It introduces the Exact Income Fund, which guarantees the level of retirement income the investment can purchase. Investors choose an income amount at investment, and Liberty guarantees that level of monthly income at retirement. Fees are low, with no upfront fees and ongoing advice fees of up to 0.5% for the Exact Income Fund. The document outlines how the Exact Income Fund works, provides income options at retirement, and explains the benefits of knowing exactly what level of retirement income the investment can purchase. It encourages advisers to provide this new solution to better meet customer needs for guaranteed retirement income.
The document discusses an investment advisory firm that aims to:
1. Design investment plans tailored to clients' life goals
2. Build plans using academic research
3. Protect clients' futures through discipline and structure
The summary emphasizes partnering with clients, using research-backed strategies, and maintaining discipline to achieve long-term goals.
This document summarizes a presentation by Investec Investment Management Services on recent tax and legal updates in South Africa. It discusses recommendations from the Davis Tax Committee report on estate duty, the Taxation Laws Amendment Bill of 2015, and draft default regulations for retirement funds. Key points include increasing the estate duty abatement, aligning provident fund payout rules with other funds, and new requirements for retirement funds around default preservation, investment portfolios, and annuity options.
The document provides an overview and analysis of financial markets in 2009. It discusses the economic turmoil affecting markets, outlines different types of market declines, and analyzes stock and bond returns over time. The document emphasizes maintaining realistic expectations, the benefits of long-term investing, and risks of trying to time the market.
The document provides an overview of market volatility and downturns. It discusses how declines are normal aspects of the market cycle and outlines historical data on the average length and frequency of different types of declines. It also notes that expansions have typically lasted longer than recessions throughout history.
This document provides a quarterly market outlook and analysis from Anchor Fixed Income for Q1 and Q2 of 2018. It summarizes recent events impacting South African markets, analyzes inflation and interest rate trends, and outlines key risks and opportunities for fixed income investments locally and offshore. The document recommends positioning for potential interest rate cuts in South Africa, notes there is still value in local bonds, and advises patience as volatility is expected from political and external factors.
Personal Financial Management through 5nance.comManvi Sharma
The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.
Capital Markets Review for Financial AdvisorsCraig Wesley
Many Financial Advisors are looked to by their clients to explain market conditions. Here is a slideshare that may be useful to distill into a high level explanation for your clients.
www.optimalcapital.com
1) While energy prices have recovered somewhat over the past year, they remain below levels needed for oil producers to drill profitable wells.
2) Declining oil prices have dampened investor sentiment about oil-exporting emerging markets and could lead to increased financial market volatility.
3) However, lower oil prices also provide an opportunity to reform oil-reliant economies and diversify them.
4) Oil prices are projected to recover from current lows but remain below recent peaks, with ongoing volatility expected depending on supply and demand adjustments.
LinkedIn is a powerful professional networking platform that can help grow your career when used effectively. Lewis Howes offers his top 10 tips for optimizing your LinkedIn profile and network on his website at www.lewishowes.com. These tips provide actionable advice for professionals looking to expand their network and opportunities on LinkedIn.
A person asks if someone can help them take a picture. The other person takes a picture and asks if it's alright, to which they reply it's good but they want a different background. They take another picture and tell them to smile like saying "cheese" in English. After seeing the second picture, they say it's very pretty and thank the other person for their help.
The doctor instructs the patient to take their medication before meals twice a day, with one tablet each time. They add that the patient should not drink alcohol, smoke, or eat very cold foods while taking the medication. The doctor also says the patient can go for walks but should avoid strenuous exercise. The patient acknowledges that they understand the instructions.
Presentation given at the NGO resource centre (www.ngocentre.org.vn) to stir up the discussion to start the ict4dev working group among INGOS in vietnam
V47 brand launch producer luis joson agsbLuis Joson
Luis Joson is a 29-year-old Filipino man who graduated from Ateneo de Manila University in 2007 with a degree in Development Studies. He has worked in executive search and currently runs his own brand called Creative Hose On that he started in 2009. In his spare time, he enjoys music and performs under the name Loose Luis.
Journal of strategic leadership v3 is2 2011Reg Reyes
This document contains the winter 2011 issue of the Journal of Strategic Leadership. It includes summaries of 6 articles that address various topics related to strategic leadership such as women's leadership styles, bridging the gap between leadership theory and practice, leadership training for North Korean defectors, managing innovation by reducing fear of failure, and lessons the church can learn from Texas A&M's organizational culture. The issue was published by Regent University's School of Global Leadership and Entrepreneurship and contains contributions from various authors and an introduction from the editor.
Toastmasters Revitalized Education Program 2014 Q4 UpdateZaldy Co
The document outlines plans to revitalize an education program by developing a new framework based on best practices. It will utilize a virtual learning environment to deliver a flexible, customized program focused on core competencies like public speaking and leadership. Members will have interactive learning experiences. The program will be implemented in stages, including content development, beta testing, and change management support for districts.
Benprise LLC is a global call center solutions and services provider that offers certification, training, consulting, and other services to help call centers reach world-class standards. It has over 25 years of experience working with major corporations across various industries and regions. Benprise aims to be the leading global provider of call center solutions through its expertise, international accreditations, and ability to understand customer needs and provide customized solutions.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document provides tips on how to market a business. It discusses defining the target market and their characteristics. It emphasizes the importance of differentiating your business from competitors by finding an underserved niche. Effective marketing strategies discussed include positioning the brand, strengthening it, and using guerrilla marketing techniques to magnetize customers through word-of-mouth recommendations and small promotional events. The key recommendation is to be passionate about the product or service, customers, and continuously improving.
1. Loyalty status measures a user's brand loyalty and tendency to switch brands. It is a behavioral variable used for segmentation.
2. Timely is not an effective segmentation criteria. Effective criteria include measurable, substantial, accessible, differentiable, and actionable.
3. The levels of micromarketing are segments, niches, local areas, and individuals, but not loyalty. Mass marketing is becoming less effective than targeted micromarketing.
Two friends, A and B, decide to take a picture together at a restaurant. A suggests taking a selfie instead of asking the waiter. They count to three and take the selfie. B asks if the picture looks good and A says to check it. B says the picture is not bad and asks A to send it over WeChat.
The document describes a new residential development called The Modern Home for the Privileged. It will consist of private luxury residences within a gated and secure community. The development will include amenities like swimming pools, a playground, and landscaped gardens. Floor plans are provided for 3-bedroom and 4-bedroom units ranging from 158-200 square meters in size. The development emphasizes green spaces, security features, and a privileged lifestyle.
1) The prayer song asks God to watch over and guide people, and to give them wisdom, faith, and a safe place.
2) It hopes that everyone finds love within and around them, and that souls find other souls to love.
3) The singers have faith that the faith God has lit within them will save them.
Toastmasters Revitalized Education Program May 2014 updateZaldy Co
The Toastmasters organization is revitalizing its education program over several years to make it more relevant, comprehensive, and effective. The new program will have 5 levels in multiple tracks including public speaking and leadership. It will incorporate mentoring, online learning, and recognition. The transition process from 2014-2015 includes analyzing needs, designing the new program, developing materials, beta testing, and full implementation by July 2015 followed by ongoing evaluation.
Ad Standards Council Digital Guidelines for Non-Regulated and Regulated Categ...Janette Toral
This document provides guidelines for digital advertising materials in regulated and non-regulated categories. Non-regulated categories are generally post-screened, while regulated categories require pre-screening. Regulated categories include alcohol, OTC drugs, health supplements, products under the Milk Code, and airline promo fares. Claims like exclusivity, superiority, and absolutes require pre-screening for both regulated and non-regulated categories. User generated content and blogs are also post-screened but can be subject to complaints. Violations of the pre-screening process result in penalties.
Are you a public speaker? Are you a corporate trainer? Are you a sales professional? If your profession or job requires you to make PowerPoint presentations, this deck will help you.
The document discusses preparing for retirement with a variable annuity product called the Northwestern Mutual Select Variable Annuity. It outlines key features like tax-deferred growth, guaranteed death benefits, and options for guaranteed retirement income. Concerns around running out of money, health costs, and inflation in retirement are addressed through the annuity's features and investment options.
This document discusses various challenges that may impact retirement planning, including changes in retirement landscape, longevity risk, inflation, health care costs, investment risk, and excess withdrawal risk. It emphasizes the importance of developing a retirement income strategy with a financial professional to establish goals, address challenges, and develop and monitor a plan.
Creating A Retirement Paycheck Client Usechadhendrix
The document discusses creating a retirement paycheck and summarizes various retirement income strategies and products. It outlines challenges facing retirees today compared to past generations, such as declining social security benefits and increased healthcare costs. It then summarizes different income sources like annuities, systematic withdrawals, and different annuity types including immediate, deferred, fixed and variable options. It provides a hypothetical case study of a retiree using a mix of products to generate retirement income.
The document discusses various retirement plan options for small businesses, including SIMPLE IRAs, SEP IRAs, and 401(k) plans. It outlines the key features of each plan such as eligibility, contribution limits, tax benefits, and ease of administration. The SIMPLE IRA requires mandatory employer contributions but has low costs and minimal administration. SEP IRAs allow discretionary employer contributions up to 25% of compensation but have no employee contributions. 401(k) plans offer higher contribution limits but more complex administration and testing requirements.
The document summarizes a retirement product that provides guaranteed lifetime income. It highlights key risks retirees face like market, longevity, and inflation risks. The product offers guaranteed annual income for life, a 5% bonus for deferring withdrawals for 15 years, and automatic resets to lock in investment gains. It is designed to balance income security and investment growth potential.
The document discusses various risks to consider for retirement planning such as longevity risk, inflation risk, and investment risk. It introduces variable annuities as a potential solution to help mitigate these risks by providing guaranteed lifetime income, protection against market downturns, and upside potential from stock market investments. Variable annuities can help secure retirement income through features such as living benefits and death benefits. Working with a financial advisor can help assess if a variable annuity is a suitable strategy for individual retirement goals and risk tolerance.
This document discusses creating a retirement income and investment strategy. It emphasizes the importance of planning before investing and outlines 4 steps to constructing a personalized strategy: 1) Estimate retirement expenses, 2) Identify sources of retirement income, 3) Determine tolerance for income variance, and 4) Construct the strategy with a financial professional. A case study example is provided to illustrate how these steps are applied for a hypothetical retiree. The key is to have guaranteed income sources cover essential needs and to work with an advisor to develop a customized plan.
The document discusses the benefits of fixed annuities for retirement planning. It notes that retirees face significant financial challenges, including rising healthcare and living costs. Fixed annuities offer guaranteed returns, provide a stream of income for life, and allow for tax-deferred growth. Immediate annuities provide guaranteed lifetime income, while deferred annuities allow for long-term accumulation of assets on a tax-deferred basis before receiving income.
The document discusses the benefits of fixed annuities for retirement planning. It notes that Americans are living longer but face financial challenges in retirement. Fixed annuities offer guaranteed returns, tax deferral, and can provide lifetime income streams. Both immediate and deferred fixed annuities are described as options to help investors meet their retirement income needs through guaranteed and predictable payments.
The document describes an "Everything Solution" product that provides safety, liquidity, yield, growth, death benefits, and long-term care benefits. It is structured as an indexed universal life insurance policy that allows deposits between $100,000-$1,000,000. Account value grows based on S&P 500 index returns up to a cap, and is protected from losses by a floor. Policyholders can withdraw funds penalty-free and interest grows tax-deferred. Upon death, beneficiaries receive proceeds income tax-free. It also allows accelerating some death benefits tax-free for long-term care costs. Case studies show how the product provides growth, income, liquidity, and long-term care benefits for different
This document describes the Transamerica Retirement Income Plus variable annuity. It offers lifetime withdrawals with rates between 4-6.5% depending on age. The annuity simplifies retirement planning by reducing choices to investment selection and contribution amount. It aims to grow and protect retirement income through features like annual compounding when withdrawals are not taken. The annuity addresses challenges retirees face like rising lifespans, declining pensions, and low interest rates.
This document outlines key considerations for planning retirement, including defining your retirement goals, assessing sources of retirement income, managing investments, and addressing potential challenges. It discusses common retirement phases and lifestyle types, importance of tracking spending, impact of inflation, strategies for healthcare and debt management, and working with an advisor to help navigate financial roadblocks and make optimal planning decisions. The overall message is for individuals to carefully plan early to help ensure a secure and fulfilling retirement.
This is a presentation created by Global Financial Disrtibutors (GFD) and used by permission. This presentation explains Leveraged Planning Solutions and who they are good for.
Presented by Michael E Winkler
This document discusses financial planning strategies for women. It begins by introducing the financial advisor and her company. It then discusses the importance of introspection and having the right mindset for investing. It introduces the concept of creating a "PACT" (Prepare, Accumulate, Consume, Transfer) to help organize financial goals. It discusses different investing approaches at various life stages and the benefits of diversification and dollar cost averaging. It provides examples showing the power of compound returns over time and benefits of maintaining a long-term perspective during market fluctuations.
The document discusses financial planning strategies for women. It introduces the "three i's of investing": introspection, investigation, and invitation. Introspection involves examining myths and mindsets around investing. Investigation means creating a financial plan using a "PACT" framework of preparing, accumulating, consuming, and transferring assets. Invitation is taking action by finding a financial advisor and getting advice. The document provides hypothetical scenarios to illustrate asset allocation, diversification, and planning for different life stages from young to retired. It emphasizes the benefits of financial advice for better habits, confidence, and planning.
This document discusses financial planning strategies for women. It begins by introducing the financial advisor and her company. It then discusses the importance of introspection, investigation, and invitation when it comes to investing. It provides tips for setting financial goals and creating a plan to prepare, accumulate, consume, and transfer assets. It also discusses the benefits of diversification and dollar cost averaging. Overall, the document provides guidance to women on developing strong financial strategies.
Tag Young Professionals - Merrill Lynch PresentationMelanie Brandt
The document provides an overview of strategies for achieving a healthy financial life, including budgeting, investing, retirement savings, and financing a home. It discusses developing a budget and paying down high-interest debt. It also covers topics like buying vs renting a home, creating an investment portfolio based on goals and risk tolerance, saving for retirement through vehicles like 401ks and IRAs, and tips for young investors like starting to save early.
The document provides information about the HDFC Retirement Savings Fund, which offers three investment plans to help investors plan for retirement. It discusses the need for retirement planning, benefits of starting early, importance of asset allocation and diversification, and the role different asset classes can play. The fund seeks to generate a pension corpus through long-term investments in equity, debt and money market instruments based on the investor's risk profile and retirement goals. Key details about the three plans, investment strategy, lock-in period and tax benefits are also summarized.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
1. A Critical Time in Your Investment Life I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM IFS-A111949 Ed. 08/2006 Welcome to the Retirement Red Zone — SM
2. • New Retirement Challenges • What Is the Retirement Red Zone? • What Investment Setbacks in the Red Zone Can Do to Your Plans • Lessons Learned From Today’s Retirees • A Solution Offering Protection, Growth, and Guaranteed Lifetime Income Today We’ll Cover — Welcome to the Retirement Red Zone 2 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM VARIABLE ANNUITIES: ARE NOT FDIC INSURED MAY LOSE VALUE ARE NOT BANK OR CREDIT UNION GUARANTEED
3. • Social Security “Social Security Still Needs Fixing” — The Boston Globe , October 12, 2005 • Pensions “The $354 Billion Pension Problem” — CNN Money.com , October 27, 2005 • Health Care “No Quick Cure for Health Care System” — InformationWeek , October 24, 2005 • Longevity “Aging Population Complicates U.S. Retirement” — The Miami Herald , September 26, 2005 You Are Facing New Retirement Challenges Welcome to the Retirement Red Zone 3 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
4. Longevity: A Good News, Bad News Story Welcome to the Retirement Red Zone 4 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
5. What Is the Retirement Red Zone? Welcome to the Retirement Red Zone 5 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM Retirement
6. In the Red Zone, Time Is Not on Your Side I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM $308,000 ($15,400/yr) This chart is hypothetical and one example of the returns an investor theoretically could experience during a given period, and it is not intended to depict past or future performance of a variable annuity or subaccount within a variable annuity. If this were an actual example, various costs would be factored into the gross return, including annual insurance and administrative charges of the annuity, annual contract charges, investment management fees of the variable subaccounts, the cost for any optional features, and any other applicable fees. $212,058 ($10,602/yr)
7. This example is hypothetical and is for illustrative purposes only, and it is not meant to represent the performance of any particular investment. It assumes a 7% average annualized return on a $250,000 value rounded to first decimal. The various columns are intended to demonstrate the impact of the sequence of returns assuming 5% annual withdrawals of $12,500 (increasing at 3% annually for inflation). Past performance does not guarantee future results. If this were an actual variable annuity, various costs would be factored into the gross return, including annual insurance and administrative charges of the annuity, annual contract charges, investment management fees for the variable subaccounts, the cost for any optional features, and any other applicable fees. Sequence of Returns: It Can Be Hard for a Portfolio to Recover From Early Losses I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
9. Lessons Learned From Today’s Retirees Welcome to the Retirement Red Zone 9 Most important goals: • 45% maintain standard of living • 40% avoid being a financial burden Retirement spending expectations: • 40% would like to keep most of their savings intact Source: Prudential Financial, “2004 Survey of Recent Retirees,” March 2004. I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
10. • Fearful • Unconcerned • Overconfident There Is No Time for Red Flag Behavior in the Red Zone Welcome to the Retirement Red Zone 10 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
11. What Choices Do You Have? Welcome to the Retirement Red Zone 11 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
12. • Reduce downside risk in declining markets • The ability to capture the market’s upside • Guaranteed lifetime retirement income, without giving up control of your savings What Should an Effective Retirement Investment Offer? Welcome to the Retirement Red Zone 12 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
13. Introducing Variable Annuities From American Skandia Welcome to the Retirement Red Zone 13 • Guaranteed income stream for life • Types of protection with living and death benefits • Choice of professionally managed investment accounts • Tax-deferral • Fees and surrender charges I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
14.
15. I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM How Lifetime Five Works The hypothetical illustration includes the following assumptions: (i) fund expense of 1.24% (which reflects the cost of the AST Capital Growth Allocation Portfolio available for use in conjunction with Lifetime Five; (ii) Lifetime Five charge of 0.60%; and (iii) M&E and Administrative Charges of 1.65% (which reflects the charge of the ASL II deferred variable annuity). The other annuity products and investment portfolios may contain different expenses. Hence, the values illustrated would then also be different. Guarantees are dependent on the claims-paying ability of the issuing company. $500,000 $450,000 $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 Gross Rate of Return << Date of first withdrawal Account Value $452,871 $407,224 $334,709 $176,920 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM Highest Anniversary Value (HAV) 5% Annual Compounded Growth Account Value Average Annual Return 0% Return Scenario (assuming no withdrawals) --- Barbara’s Protected Withdrawal Value of $452,871 provides a guaranteed income of: $22,644 for life (5% X $452,871) or $31,701 for 14.2 years (7% x $452,871)
16. Changing Jobs or Retiring: What Are Your Options? • Leave assets in your former employer’s plan • Transfer assets to a new employer’s plan • Cash out (take a lump-sum distribution) • Rollover IRA I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM Welcome to the Retirement Red Zone 16
17. A Good Choice for Qualified Plan Assets • Help reduce downside risk in declining markets • No immediate tax consequences or penalties • A wider array of investment choices I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM Welcome to the Retirement Red Zone 17
18. All ratings are as of 2/16/2006. Ratings are intended to reflect the financial strength or claims-paying ability of the American Skandia Life Assurance Corporation and are not intended to reflect the investment performance or financial strength of the variable accounts, which are subject to market risk. Ratings are not a guarantee of the future financial strength and/or claims-paying ability of a company. American Skandia, a Prudential Financial company I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM A.M. Best Company A+ (Rank 2 of 15) Superior ability to meet ongoing obligations to policyholders Fitch Ratings AA (Rank 3 of 24) Very strong capacity to meet policyholder and contract obligations Standard & Poor’s AA – (Rank 4 of 21) Very strong financial security characteristics A Rock Solid Reputation for Innovation
19. Are your eyes open to the Retirement Red Zone? I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
20. I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM Investors should consider the contract and the underlying portfolios ’ investment objectives, risks, charges, and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained by contacting your financial professional. Please read the prospectuses carefully before investing.
21. Prudential Financial, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent adviser as to any tax, accounting, or legal statements made herein. Tax deferral is already provided by a qualified plan, such as a 401(k). For an additional fee, the annuity provides a guaranteed death benefit and the ability to receive lifetime income. Asset allocation does not guarantee a profit or protect against loss; however, a properly diversified portfolio can help manage the volatility of your returns and may better position your investments to capture performance as asset classes rotate in favor. Lifetime Five and Spousal Lifetime Five may not be available in every state and may not be elected in conjunction with certain optional benefits. See the prospectus for more detailed information. Early withdrawals may be subject to surrender charges. Partial or complete withdrawals of taxable amounts will be subject to ordinary income tax and, if prior to age 59 1 / 2 , may result in an additional 10% federal income tax penalty. Withdrawal from an annuity generally has the effect of reducing the death benefit, any living benefits, and cash surrender value. Payments of guaranteed principal and income, as well as living and death benefit guarantees, are contingent upon the claims-paying ability of the issuing company. Guarantees do not apply to the investment performance or safety of the underlying subaccounts in the variable annuity. Optional living and death benefits are available for an additional fee and may not be available in all states. Variable annuities are for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. American Skandia annuities are issued by American Skandia Life Assurance Corp. and distributed by American Skandia Marketing, Incorporated, both located in Shelton, CT. Both are Prudential Financial companies, and each is solely responsible for its financial condition and contractual obligations. Indirectly through subsidiaries, Prudential Financial, Inc. owns 38% and Wachovia owns 62% of Wachovia Securities LLC. Prudential Financial and the Rock logo are registered service marks, and the Retirement Red Zone and Investing for the Time of Your Life are service marks of The Prudential Insurance Company of America and its affiliates. Lifetime Five is issued on Form RID WB (11/04) and Spousal Lifetime is issued on Form END-JLT5(3/06) . VARIABLE ANNUITIES: ARE NOT FDIC INSURED MAY LOSE VALUE ARE NOT BANK OR CREDIT UNION GUARANTEED WO# 06-0486 IFS-A111949 ORD03615 ED. 8/2006 19550-11042005 I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
22. Are your eyes open to the Retirement Red Zone? I N V E S T I N G F O R T H E T I M E O F Y O U R L I F E SM
Editor's Notes
Good morning/afternoon everyone. My name is <insert name>. On behalf of American Skandia, a Prudential Financial company, I want to thank you for taking the time to be here today. [SPEAKER: As appropriate, say the following- I am a Financial Advisor employed by << add your specific Firm information here >>. I hold registrations with the NASD and I am licensed by the state insurance commission, so that I can talk to you about securities and insurance products.] “ Welcome to the Retirement Red Zone — A Critical Time in Your Investment Life.” That’s the name of my presentation, and by the time we’re through here today, you’ll have a clear understanding of what the Retirement Red Zone is all about and why you, and you, and you — in fact, all of us in this room, including me — need to know why it is so important to our financial futures. How many of you here today have employer-sponsored retirement accounts, such as a 401(k)? <Speaker: Ask for a show of hands.> How many of you have transferred balances from those accounts to Rollover IRAs? <Speaker: Ask for a show of hands.> These assets probably represent your biggest retirement resource, and protecting that money needs to be one of your top planning priorities. This is the theme of today’s presentation. <Speaker: Click to next slide.>