Charting A New Course. Life After Unemployment

Charting a New Course: Life After an Employment Transition

Please be advised that this presentation is not intended as tax or legal advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transactions or matters addressed, and you should seek advice based on your particular circumstances from an independent tax advisor. Securities offered through AXA Advisors, LLC, member FINRA, SPIC. Annuity and insurance products are offered through AXA Network, LLC and its subsidiaries. AXA Advisors and AXA Network are affiliated companies and do not provide legal or tax advice.

Welcome ,[object Object],[object Object]

Agenda ,[object Object],[object Object],[object Object],[object Object]

Seminar Objectives ,[object Object],[object Object],[object Object]

[object Object],[object Object],Preparing For A Transition

Risk Management Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

1. Cash Flow ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Many people opt to suspend membership dues to health clubs and other social organizations. Sometimes these memberships provide very important networking opportunities.

1. Cash Flow ,[object Object],[object Object],[object Object],[object Object],[object Object]

2. Health Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],If you are considering early retirement, remember that although Social Security can start at age 62, Medicare (if eligible) does not begin until age 65.

3. Life Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],All guarantees are based on the claims-paying ability of the issuer.

Your Life Insurance Needs ,[object Object],[object Object],[object Object],[object Object],[object Object],It takes about 45 days to complete the insurance underwriting process, which will determine the amount of your premiums.

Current Life Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

4. Disability Income Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object]

5. Long-Term Care ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],Preparing For Retirement

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Distribution Options Consult your tax advisor before making a decision.

Option 1: Leave the money where it is ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Option 2: Roll into a new plan ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Option 3: Take a Lump Sum Payment* ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],*If allowed by your company. ** Some distributions of employer stock may get capital gains treatment

Option 4: Roll the money into an IRA ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Consult your tax advisor regarding your particular circumstances.

Retirement Plan Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Consult your tax advisor regarding your particular circumstances.

Summary ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object],Streamlining Your Next Steps

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Evaluating Your Opportunities

The Professional Strategy The Common Strategy Products purchased with no professional advice or strategy Portfolio of unrelated products Poor foundation for success The Professional Strategy Goal- focused optimal use of resources Portfolio of coordinated, purposeful products Professional strategy based on client’s goals and priorities

[object Object],[object Object],[object Object],[object Object],[object Object],The Value of Professional Advice

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Where Do You Go From Here?

Workshop Evaluation ,[object Object],[object Object]

Charting A New Course. Life After Unemployment

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Charting A New Course. Life After Unemployment