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.
This seminar\'s original version became part of the template for Prudential Securities coordinated marketing programs. Participating brokers saw an increase in business that was three times the firm average.
This seminar\'s original version became part of the template for Prudential Securities coordinated marketing programs. Participating brokers saw an increase in business that was three times the firm average.
Retirement Presentation For Small Businessguest4a21e5
Prepare for your future today with the right type of tax advantage savings plans. offer your employees the benefit of a retirement plan. Learn from this presentation what you can do today to make a bettewr tomorrow.
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.
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.
John J. Cortale Presents - Don't Let Media Headlines Cripple Your FutureJohn Cortale
John J. Cortale Presents - See beyond today’s worrisome headlines, take advantage of future trends, and put long-term investment strategies to work for you
Smart Money January February 2012 SinglesOliver Taylor
Smart Money magazine is a fully personalised and branded consumer-driven personal financial planning client publication. Sent to key clients, professional intermediaries and prospects, every issue will enable your business to improve client communication, raise brand awareness, develop greater marketing efficiency, enhance client retention and increase sales - all of which are becoming increasingly important, particularly in the light of Treating Customers Fairly (TCF) and the Retail Distribution Review (RDR).
Goldmine Media has been publishing Smart Money magazine for over a decade and every issue features timely and accurate editorial combined with intelligent design. Whether you are a financial adviser, wealth manager, accountant or solicitor, every issue will provide you with the perfect marketing solution to engage more effectively with your business audiences.
The front cover of Smart Money magazine features your business logo and company name printed in your corporate colours and also includes your contact details and regulatory statement. At no additional cost you can change the title name to make every issue even more bespoke and relevant to your business.
Retirement Presentation For Small Businessguest4a21e5
Prepare for your future today with the right type of tax advantage savings plans. offer your employees the benefit of a retirement plan. Learn from this presentation what you can do today to make a bettewr tomorrow.
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.
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.
John J. Cortale Presents - Don't Let Media Headlines Cripple Your FutureJohn Cortale
John J. Cortale Presents - See beyond today’s worrisome headlines, take advantage of future trends, and put long-term investment strategies to work for you
Smart Money January February 2012 SinglesOliver Taylor
Smart Money magazine is a fully personalised and branded consumer-driven personal financial planning client publication. Sent to key clients, professional intermediaries and prospects, every issue will enable your business to improve client communication, raise brand awareness, develop greater marketing efficiency, enhance client retention and increase sales - all of which are becoming increasingly important, particularly in the light of Treating Customers Fairly (TCF) and the Retail Distribution Review (RDR).
Goldmine Media has been publishing Smart Money magazine for over a decade and every issue features timely and accurate editorial combined with intelligent design. Whether you are a financial adviser, wealth manager, accountant or solicitor, every issue will provide you with the perfect marketing solution to engage more effectively with your business audiences.
The front cover of Smart Money magazine features your business logo and company name printed in your corporate colours and also includes your contact details and regulatory statement. At no additional cost you can change the title name to make every issue even more bespoke and relevant to your business.
Presentation from Amy Browne, Stewardship Lead, CCLA Investment Management, during the OECD WISE Centre & Persol Holdings Workshop on Advancing Employee Well-being in Business and Finance, 22 November 2023
Charity Reserves: the good, the bad and the uglyNICVA
A presentation from Gemma Woodward, Executive Director and Director of Responsible Investment at Quilter Cheviot on charity reserves. Presentation given at NICVA's Charity Finance Conference for Trustees.
1. Challenges that may impact your retirement Seminar and Insurance Sales Presentation 1008 RIO1341 1010
2. 2 1 Retirement – what’s changed? 2 The challenges you may face 3 A way to invest, prepare and protect Today’s objectives
3. 3 Retirement – what’s changed? Shift to 401(k) – are savings enough? 20% $121,202 percentage of employees who have a pension plan average 401(k) balance As of year end 2006. 401(k) Plan Asset Allocation, Account Balances and Loan Activity in 2006 – www.ici.org Deloitte – Annual 401(k) Benchmarking Survey 2005/2006 Edition
4. 4 LIMRA – Working in Retirement – 2007 Retirement – what’s changed? 24% of retirees work in retirement 86% of pre-retirees have not ruled out working 27% need extra income 14% cannot afford to retire
5. 5 Wall Street Journal Online – September 2007 Retirement – what’s changed? Mortgages in retirement Retirees ages 65 - 74 19% in 1992 32% in 2004
6. 6 Retirement – what’s changed? Social Security: will it be there for you? Trust fund assets projected to be exhausted 2041 Social Security Board of Trustees – March 2008
7. 7 1974 2030 Projected Source: Research on Potential New Products for Retirement Income, FCNBD, May 2006 Retirement – what’s changed? Personal assets and work
8. 8 Example Your information Desired Annual Retirement Income $100,000 ? Pension Income – $24,000 ? Will you be prepared? : How much money might you need to retire? Social Security – $25,000 ? Income Gap $51,000 ? Desired Withdrawal Rate .04 (4%) ? Personal Savings Needed $1,275,000 ?
9. 9 Challenges of retirement Longevity Inflation Health care costs Asset allocation Excess withdrawal
10. 10 People are living longer Probability of a 65-year-old couple needing income for: Annuity 2000 Mortality Table, Society of Actuaries Longevity risk
11. Cost of goods and services are increasing 11 Source: U.S. Postal Service 2008 Inflation
12. Health care costs outpace inflation Average annual price increases – years 2000-2005 12 Physician & clinical services: Prescription drugs: 10.7% 7.9% Inflation: 2.5% National Center for Health Statistics – Health, United States 2007 Health care costs
13. 13 Long term return potential. Significant potential. Volatility. Lower return potential. Little volatility. Risk: too aggressive or too conservative? Assumptions: $100,000 investment 1988-2007. Past performance does not guarantee future results. The investment return and principal value of a security will fluctuate with market conditions so that when redeemed, may be worth more or less than their original cost. The S&P 500 Index is a list of securities frequently used as a measure of U.S. stock market performance. The Consumer Price Index (CPI) is an inflationary indicator that measures the change in the cost of goods purchased by the average U.S. household. Treasury Bills (TBills) are a short-term obligation of the U.S. Treasury having a maturity period of one year or less and sold at a discount from face value. The indices represented in the grid are unmanaged, do not incur expenses and cannot be purchased directly by investors. The historical performance shown is for illustrative purposes only and does not represent the performance of any particular product or underlying fund.
14. 14 Average annual return 1988 – 2007 11.8% 4.5% 3.0% Average Investor S&P 500 Index Inflation Equity investing Source: Dalbar, Inc., QAIB Study, 2008. This hypothetical example is for illustrative purposes, and is not representative of any MassMutual product. The S&P 500 Index is a list of securities frequently used as a measure of U.S. stock market performance. Indices are not available for direct investment.
15. 15 Diversification through asset allocation Past performance does not guarantee future results. The investment return and principal value of a security will fluctuate with market conditions so that when redeemed, may be worth more or less than their original cost. Asset allocation does not ensure a profit and does not protect against loss in a declining market. The indices represented in the grid are unmanaged, do not incur expenses and cannot be purchased directly by investors. The historical performance shown is for illustrative purposes only and does not represent the performance of any particular product or underlying fund. Source: S&P Micropal, February 2008
16. 16 Past performance does not guarantee future results. The indices represented in the grid are unmanaged, do not incur expenses and cannot be purchased directly by investors. The historical performance shown is for illustrative purposes only and does not represent the performance of any particular product or underlying fund. Diversification through asset allocation
18. 18 Don’t leave your retirement to chance Consult a financial professional. A financial professional will help you: Establish Goals Address Challenges Develop a Strategy Monitor and Update Strategy
19. Steps to develop a retirement income strategy Planning your retirement income strategy: 1 Gather information 2 Formulate a strategy 3 Put strategy into action
21. Variable annuities are sold by prospectus. Before purchasing a variable annuity contract, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and its underlying investment choices. For this and other information, obtain the prospectuses for the variable annuity contract and its underlying investment choices from your registered representative. Please read the prospectuses carefully before investing or sending money.
23. 23 The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Annuity products are issued by Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company. C.M. Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082, is non-admitted in New York and is a subsidiary of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001. Principal Underwriter:MML Distributors, LLC, 1295 State Street, Springfield, MA 01111-0001. Wholly owned subsidiary of Massachusetts Mutual Life Insurance Company.