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.
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.
Success in investing leads to increased wealth and security. Success in investing comes from making sound decisions, paying attention, and taking the time to learn about what t invest in and how to invest. Here are our thoughts about considerations when investing.
https://youtu.be/kZcssfIoQEg
Real Estate Investor's Comparison of IRA, ROTH IRA, and 401(k) David Campbell
If you aren't exactly sure what the difference between IRA, ROTH IRA, and 401(k) this video is for you. Find more investor training videos at www.HasslefreeCashflowInvesting.com
Professional investor David Campbell, uDirect IRA president Kaaren Hall, and CPA Amanda Han present an easy to understand comparison of the features and benefits of investing through an IRA, ROTH IRA, or 401(k) with an emphasis on using these qualified plans in a self-directed account.
In this edition of Return On Investment, we have included information on the following topics:
1. The Importance of Risk Control
2. Are You Nearing the Age of 71?
3. Pension Reform: The CPP is Set to Change
4. Transferring Wealth: Preparing Your Heirs
5. Unclaimed Balances: Are Funds Owed to You?
6. Year-End Tax Planning Considerations
RetireGuide™ from Betterment - Investing Made BetterBetterment
Are you investing correctly for retirement?
Try RetireGuide™ and see our free advice. Our new tool can help you determine whether you are on track for your retirement. Unlike typical retirement calculators, RetireGuide takes into account all of your investment accounts, including those with other providers, and your spouse's holdings.
How Is RetireGuide Better?
1. Consolidated View of Your Wealth. RetireGuide™ takes everything in your life into account, including your current savings across all accounts, where you plan to live in retirement, and your current income.
2. A Plan That Grows with You. Your customized plan stays with you, automatically reflecting market changes and ready to handle the shifts in your life.
3. Scenario Testing. Your customized plan stays with you, automatically reflecting market changes and ready to handle the shifts in your life. If you don’t like what you see the first time, try different scenarios, such as when and where you retire, your retirement income, or amount of investments.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
Not sure of how much you need for your retirement or if you can really afford the dream house. Then have quick look at these thumb rules, just to know if you are on right track.
Success in investing leads to increased wealth and security. Success in investing comes from making sound decisions, paying attention, and taking the time to learn about what t invest in and how to invest. Here are our thoughts about considerations when investing.
https://youtu.be/kZcssfIoQEg
Real Estate Investor's Comparison of IRA, ROTH IRA, and 401(k) David Campbell
If you aren't exactly sure what the difference between IRA, ROTH IRA, and 401(k) this video is for you. Find more investor training videos at www.HasslefreeCashflowInvesting.com
Professional investor David Campbell, uDirect IRA president Kaaren Hall, and CPA Amanda Han present an easy to understand comparison of the features and benefits of investing through an IRA, ROTH IRA, or 401(k) with an emphasis on using these qualified plans in a self-directed account.
In this edition of Return On Investment, we have included information on the following topics:
1. The Importance of Risk Control
2. Are You Nearing the Age of 71?
3. Pension Reform: The CPP is Set to Change
4. Transferring Wealth: Preparing Your Heirs
5. Unclaimed Balances: Are Funds Owed to You?
6. Year-End Tax Planning Considerations
RetireGuide™ from Betterment - Investing Made BetterBetterment
Are you investing correctly for retirement?
Try RetireGuide™ and see our free advice. Our new tool can help you determine whether you are on track for your retirement. Unlike typical retirement calculators, RetireGuide takes into account all of your investment accounts, including those with other providers, and your spouse's holdings.
How Is RetireGuide Better?
1. Consolidated View of Your Wealth. RetireGuide™ takes everything in your life into account, including your current savings across all accounts, where you plan to live in retirement, and your current income.
2. A Plan That Grows with You. Your customized plan stays with you, automatically reflecting market changes and ready to handle the shifts in your life.
3. Scenario Testing. Your customized plan stays with you, automatically reflecting market changes and ready to handle the shifts in your life. If you don’t like what you see the first time, try different scenarios, such as when and where you retire, your retirement income, or amount of investments.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
Not sure of how much you need for your retirement or if you can really afford the dream house. Then have quick look at these thumb rules, just to know if you are on right track.
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
Whether you're investing for your children's college education, investing for retirement, or you simply want to maintain your current and future standard of living, how you choose to invest your money can affect how well you are able to meet your financial goals.
Certified financial planners | Equity Indexed Annuities | Retirement planningFind Me An Advisor™
This presentation from Find Me An Advisor™ will guide you through, how you can grow your retirement money with help of Certified Financial Planners with investment options like; equity indexed annuities, variable annuities and more to boost your retirement planning.
Women have unique financial issues and needs. This presentation discusses 15 of the most common misconceptions women have about general financial strategies, retirement and estate planning, insurance, as well as money and relationships. It provides guidance on strategies to help women manage their finances.
The IRS expects that more than 70% of taxpayers will receive a refund in 2017. 1 What you do with a tax refund is up to you, but here are some ideas that may make your refund twice as valuable.
3. 1
Are you asking the right questions and making the right moves for your future?
The 6 Steps to
Financial Independence1
Build Wealth
• Strive to outpace inflation
& reduce taxes
• Professional money management
Proper Protection
• Protect against loss of income
• Protect family assets
Debt Management
• Consolidate debt
• Strive to eliminate debt
Emergency Fund
• Save 3-6 months’ income
• Prepare for unexpected expenses
Cash Flow
• Earn additional income
• Manage expenses
Preserve Wealth
• Reduce taxation
• Build a family legacy
When investing, there are certain risks, fees and charges, and limitations that one must take into consideration.
4. 2
Age, health, debts, dependents, income and a variety of other factors should
all be considered.
Life Insurance
How much do you need?2
However, the basic
rule of thumb is
approximately
10Xyour annual
family income.
5. 3
The 3-Legged Stool
A Broken Traditional Retirement Model
Personal
Savings
Social
Security
Company
Pensions
Past retirees often enjoyed a combination of a company pension, a Social Security
check, and their personal savings. With this traditional model all but gone, a new
retirement strategy focused on personal responsibility is needed.
6. 4
Here is an example of how the monthly amount required to reach
$1 million for retirement changes with how much time you have to
hit that goal in an 8% tax-deferred hypothetical account.
The best way to put time on your side is to start saving today.
$2,889.85
/mo.
$286.45
/mo.
$435.94
/mo.
$670.98
/mo.
$1,051.50
/mo.
$1,697.73
/mo.
$5,466.09
/mo.
$13,609.73
/mo.
40 35 30 25 20 15 10 5
Years Until $1 Million Retirement Goal Met
The High Cost of Waiting
Time: Your worst enemy or greatest ally3
8. 6
So, if you made a $10,000
investment at age 29, with an
8% rate of return, it should grow
to about $160,000 by age 65.
$20k
38 47 56 65
$40k
$80k
$160k
For example, the Rule of 72 tells us
that an investment earning a constant
8% rate of return should double
approximately every 9 years.
The Rule of 72
It’s important to manage your rate
of return and risk
If you divide 72 by the rate of return being earned, you will obtain
the approximate number of years required for your initial savings to double.
The Rule of 72 is a mathematical concept that approximates the number of years it will take to double the
principal at a constant rate of return compounded over time. All figures are for illustrative purposes only,
and do not reflect the risks, expenses or charges associated with an actual investment. The rate of return
of investments fluctuates over time and, as a result, the actual time it will take an investment to double in
value cannot be predicted with any certainty. Results are rounded for illustrative purposes. Actual results
in each case are slightly higher or lower.
9. 7
How many times will your money double?
$10,000
$20,000
$20,000
$40,000
$10,000
$40,000
$10,000
$320,000
$80,000
$20,000
$20,000
$10,000
$80,000
$40,000
65
59
56
53
47
41
38
35
29
$160,000
AGE
$5,000 $5,000 $5,000$5,000
4% 8%6% 12%
Notice how a $5,000 investment at age 29 doubles more often as the rate of
return increases.
That’s exciting to think about. But consider the interest rate on your credit card.
Is it 18%? Higher? The Rule of 72 can work against you just as powerfully as it
can work for you. Debt management is still important.
The Rule of 72 doesn’t consider taxes. Taxes can increase the amount of time it
takes for money to double. Your financial professional can help you develop a
strategy that considers the impact of taxes.4
10. 8
50%
Loss
$10,000$10,000 50%
Gain
100%
Gain
$5,000
$7,500
The Impact of Losses
It hurts more than you think
If you lose 50% of $10,000, what rate of return does
it take to get back to $10,000?
A 50% gain only gets you back
to $7,500.
A 100% gain is required to fully
recover a 50% loss.
11. 9
3 Options For Your Future
Which one is right for you?
Client
• If you are satisfied with your career and discretionary income,
consider becoming a client.
• Take advantage of our strategies to help you chart your path to
financial independence.
• Licensing, commissions, technology and great training programs
by WFG.
• Control your time, and create a career on your terms.
• Enjoy the benefits of self-employment.
• Build a business as big as your commitment and vision.
• Earn incentives like: Bonus Pools, Supervisory Overrides, Stock
Options, Renewals Trails, Advisory Fees, Entrepreneurial Program.
Part-time Career
Full-time Career
Click here for the WFG Associate Membership Agreement