A modern nautical template design to explain the concept of a retirement plan.

1. Charting your course
to retirement
Randall& HUrley

2. Planning
Your route

3. YOUR PROVIDERS
WORKING TOGETHER
RANDALL& HURLEY| TPA
INVESTMENT CO| CUSTODIAN SMART Co| INVESTMENT ADVISOR
ABC COMPANY| SPONSOR

4. Retirement
Plans
46%
Social Security
36%
Savings &
Investments
16%
Other
2%
Retirement
Income sources
PLANNING
YOUR ROUTE

5. Start saving &
Stay the course

6. SAVE TAXES
Use the table to see how it works. You can
choose to save taxes now or at retirement
based on how you choose to defer.
Pre-Tax
Deferral
Equal
Contribution
Roth Deferral
Equal
Pay Roth
Deferral
Gross Annual Pay $30,000 $30,000 $30,000
401(k) Contribution ($200/mo.) 2,400 2,400 2,040
Taxable Income 27,600 30,000 30,000
Federal Income Taxes (15%) 4,140 4,500 4,500
FICA (7.65%) 2,295 2,295 2,295
Net Take-Home Pay $21,165 $20,805 $21,165

7. HOW TO SAVE $100,000
Number
of
Years
Monthly
Savings
Required
10 $578
20 $192
30 $82
40 $38
Illustrations assume a 7% annual return.
Time Makes Saving Easier

8. WATCH IT GROW
0
20
40
60
80
100
120
140
160
180
200
0 10 20 30 40
TotalAccountValue($1,000)
YearsContribs Earnings
Illustration assume a 7% annual return.
The Miracle of Compound Interest

9. YOUR PLAN
HIGHLIGHTS

10. YOUR PLAN HIGHLIGHTS
Plan Type: Cash Balance Plan
Trustee: John Smith
Effective Date: January 1, 2012
Retirement Age: Age 62 (with 5 years of participation)
Vesting Percent:
0 - 2 years 0%
3+ years 100%
Investments: Held at Smart Co and directed by the Trustee
Statement Timing: Annually

11. Questions?