Pension choices for Life - Jan2012

PENSION CHOICES FOR LIFE AND BEYOND ,[object Object],[object Object],[object Object],[object Object]

How to use this seminar . . . ,[object Object],[object Object],[object Object],[object Object]

WELCOME TO SEMINAR #1 PENSION CHOICES FOR LIFE As you near retirement you have the choice to receive a steady income from a traditional pension plan, or to “commute” and take a lump sum to create your own personalized pension plan. This is a vital decision – one of life’s largest – and will greatly shape how your pension resources will support how you choose to enjoy life, as well as the estate you eventually wish to leave for loved ones. In short, this is all about LIFE. Each choice here has risks and opportunities. As you review this seminar – I urge you to have an open mind and fully consider both sides. The traditional approach was to draw the pension. More people now are commuting. Getting the results you want depends on how you make the choice, and how the plan is designed to support your financial needs throughout early-, middle, and later retirement. So enjoy this “window” into the choices before you. I welcome hearing from you: is this seminar helpful? …how can we improve it? …what further questions come to mind?

Most common values people share for Retirement: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Retire and enjoy life on your own terms! Credit to Zoomer Magazine Retirement

Avoid having to worry about falling short… Credit to Zoomer Magazine

Widespread concerns over falling short Advisor.ca 3/3/10 ,[object Object],[object Object],[object Object],[object Object]

Stories can help unveil our inner feelings and clarify valuable choices. Which of these comes closest to you? ,[object Object],[object Object],[object Object],[object Object]

Stories can help unveil our inner feelings and clarify valuable choices. Which of these comes closest to you? ,[object Object],[object Object],[object Object],[object Object],[object Object]

TEN POINTS OF COMPARISON ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Pension Trustees’ viewpoint… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Advisor needed for . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Health insurances . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Fixed or variable income . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Safety . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Inflation / Cost of Living . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Under-funding . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Value for Spouse / Estate at death ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Philanthropic opportunity . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Tax Strategies . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Service standards . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

A sample to open discussion . . . ,[object Object],[object Object],[object Object],[object Object]

A historically difficult decade yielding 6.9%/year. Combined with insured income guarantees &/or life annuities this can support lifelong security. See Seminar #2 NB: Past returns are no indication of the future.

How do you rate each of these in personal importance? Let’s discuss together ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Next step: call me. We’ll discuss and create a free report to support your pension choice. Then if you like we can offer you the 2 nd seminar: PENSION PLATFORMS FOR LIFE AND BEYOND

Choice is yours. . We’re here to help you as a . resource, whatever you decide.

News clippings and sources available on request . . .

Appendix #1: Quick slide on Estate Flow. We use both sides of this chart for your benefit. Beneficiaries Home Investments Bank Broker Investments at Life Insurance Co. Life Insurance Probate Fees Legal Fees Exec Fees Time Delay EXTRA

Appendix #2: Controlling Assets after death ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],EXTRA

Appendix #3: common hazards of joint ownership, including pension values left to heirs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],EXTRA

Appendix #4: glimpse at life insurance and long term care insurance . . . ,[object Object],[object Object],[object Object],[object Object],[object Object],EXTRA

Appendix #5: consider how philanthropy can reduce taxes that hit your estate EXTRA

Ask a Professional ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Pension choices for Life - Jan2012

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