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.
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.
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The Retirement 101 Enrollment Presentation is the companion piece to the Retirement 101 Enrollment Guide, the marquee collateral in the Nationwide Retirement enrollment drive. Together they exceeded the 2011 standard entity first-year deposits goal of $84.8M by 25%, netting new participant deposits of $112.4M in its first year.
The Pandemic taught several lessons to first-time and seasoned investors alike. It reinforced the habit of saving, having a sound financial backup plan for a rainy day and devising a prudent asset allocation strategy. Explore 7 investment lessons that help prepare for the unexpected.
www.Quantumamc.com
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.
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.
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The Retirement 101 Enrollment Presentation is the companion piece to the Retirement 101 Enrollment Guide, the marquee collateral in the Nationwide Retirement enrollment drive. Together they exceeded the 2011 standard entity first-year deposits goal of $84.8M by 25%, netting new participant deposits of $112.4M in its first year.
The Pandemic taught several lessons to first-time and seasoned investors alike. It reinforced the habit of saving, having a sound financial backup plan for a rainy day and devising a prudent asset allocation strategy. Explore 7 investment lessons that help prepare for the unexpected.
www.Quantumamc.com
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.
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.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
2. 2
important information
Securities are offered through AXA Advisors, LLC. Insurance and annuity products are offered through AXA Network, LLC. AXA
Network conducts business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance Agency of
Utah, LLC, in PR as AXA Network of Puerto Rico, Inc. AXA Advisors and AXA Network do not provide tax or legal advice. Ascend
Planning & Consulting, LLC is not a registered investment advisor and is not owned or operated by AXAAdvisors or AXA Network.
This presentation is provided for information purpose, only and should not be construed as investment advice, and you should seek
professional advice based on your specific personal circumstances.
Please be advised that this document is not intended as legal or tax advice. Accordingly, any 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 transaction(s) or matter(s)
addressed, and you should seek advice based on your particular circumstances from an independent tax advisor.
3. 3
important information
AXA Advisors believes that education is a key step toward addressing your financial goals, and this material
is designed to serve simply as an informational and educational resource. Accordingly, this material does not
offer or constitute investment advice and makes no direct or indirect recommendation of any particular
product or of the appropriateness of any particular investment-related option. Your needs, goals, and
circumstances are unique, and they require the individualized attention of your financial professional. But for
now, take some time just to learn more.
4. 4
agenda
The New Retirement Realities
Overcoming the Challenges:
Retirement planning guidelines for the four major life stages —
Building Assets, Protecting Assets, Enjoying Retirement, Leaving
a Legacy
Working with a Financial Professional
5. 5
the new retirement realities
We’re living longer retirement costs more
Continued inflation
Increased market volatility
Higher taxes?
Rising interest rates?
Social Security and Medicare uncertainty
Reduced or no employer retirement support
6. 6
retirement may last longer and could cost more
Sources:
Median Life Expectancy: http://www.cdc.gov/nchs/data/hus/hus14.pdf#015
Average Retirement Age Retirement 2015: http://www.gallup.com/poll/168707/average-retirement-age-rises.aspx.
Average Age of Retirement: 1960: www.bls.gov/opub/mlr/2001/10/art2full.pdf, p 14,
7. 7
inflation is down...but not out
Based on an average historical (1913-2015) inflation
rate of 3.18%1…
…you will need $209 in 25 years to purchase goods
valued at $100 today.2
In 25 Years: $51,638
Subaru Outback Station Wagon Cost
1) Source: http://inflationdata.com/Inflation/Inflation/DecadeInflation.asp
2) Source: http://www.buyupside.com/calculators/inflationjan08.htm
3) Source: http://www.subaru.com
Today: $24,995
In 25 Years: $52,334
8. 8
Monthly Close - Dow Jones Industrial Average
January 2009 – January 4, 2016
The markets are volatile…
11. 11
fewer pensions and gold watches
Trend is that fewer employers providing guaranteed lifetime pensions.
Greater job turnover means less build-up in 401(k)s, with less vesting.
There’s no protection against companies cutting their “matches.”
12. 12
Source: http://www.cbo.gov/doc.cfm?index=3521&type=0
0
4
8
12
16
20
24
2000 2010 2020 2030 2040 2050 2060 2070 2075
%ofGDP
Expenditure as a % of GDP
Medicaid
Medicare
Social Security
This chart illustrates a potential
path for the budget that highlights projections of
spending under current policies for the largest
federal entitlement programs—Social Security,
Medicare, and Medicaid.
social security and medicare in bad health
16. 16
make the most of the building years
Power of regular saving
The power of starting early
Tax breaks from the government
Additional tax advantaged opportunities
Investment choices/vehicles – risk and rewards – asset
allocation
Dollar-cost averaging
What if you need to save for college too?
17. 17
the power of regular saving
$2,400 year ($200/month) compounded annually
0 Percent
3 Percent
7 Percent
Hypothetical Example
Illustration does not take inflation, taxes, or management fees into account. This example is not
intended to indicate the performance of any specific investment. Rates of return will vary over
time, particularly for long-term investments. Investments offering the potential for higher rates of
return also involve a higher degree of risk. Actual results will vary.
18. 18
Age
Years
Until 65
Monthly
Contribution
Total
Contribution
Growth*
Total
Value
25 40 $189 $90,905 $409,095 $500,000
30 35 $276 $115,920 $384,070 $500,000
35 30 $407 $146,689 $353,311 $500,000
40 25 $614 $184,090 $315,905 $500,000
45 20 $954 $229,023 $270,977 $500,000
50 15 $1,568 $282,299 $217,701 $500,000
* Chart assumes 7% growth for illustrative purposes. The figures are rounded and are not intended to indicate
the performance of any specific investments. Taxes, inflation and fees were not taken into consideration. Rates
of return will vary over time, particularly for long-term investments. Investments offering the potential for higher
rates of return also involve a higher degree of risk. Actual results will vary.
Hypothetical Example
the sooner you begin investing, the better
19. 19
From your employer
• Roth after-tax (401(k) / 403(b))
• Pre-tax (401(k), 403(b), SIMPLE or SEP IRA, etc.)
• Don’t lose your employer’s match! (free money)
• Rollovers and consolidation
On your own (Traditional or Roth IRA)
• When you can, contribute to both 401(k) and IRA
• Spousal IRAs
• SEP IRA for side business
• When to consolidate scattered IRAs
Note: Withdrawals for these types of plans are taxable and if taken prior to age 59½
may also be subject to an additional 10% federal income tax penalty.
don’t overlook your employer-sponsored retirement plans or IRAs
for tax breaks
20. 20
Fixed Annuities
• Tax-deferred accumulation
• Guaranteed* Retirement Income
Municipal Bonds
• Can be purchased individually or through funds
• Can be triple tax free
Permanent Life Insurance
• Death benefit and potential to build cash value
• Tax-deferred accumulation
* Guarantees are backed by the claims-paying ability of the issuing company
additional tax-advantaged opportunities
22. 22
the critical importance of asset allocation
Chart illustrates sample portfolio asset allocations. Allocations are presented only as examples and are not intended as investment advise. Please
note that asset allocation does not guarantee a favorable outcome. Consult a financial professional if you have any questions about how these
examples may apply to your situation. Sources: Standard and Poor’s; Center for Research and Security Prices; Morgan Stanley; the Federal
Reserve. For the 20-year period ended 12/31/05.
30%
40%
30%
Stocks
Bonds
Treasury Bills
Nearing/In Retirement
Low Risk
Portfolio Risk Level
Middle-Aged
Moderate Risk
Younger Investors
Aggressive Risk
23. 23
Not based on “hot tips” or hearsay
Research and analyze your investments
choose your investments wisely
24. 24
the advantages of dollar-cost averaging
Lets you buy more shares when prices are low and fewer when they rise.
Schedule
Regular
Investment
Market Price
/Share
Shares
Acquired
Accumulated
Shares
Total Investment
Value
Month 1 $120 $5.00 24 24 $120
Month 2 $120 $2.50 48 72 $180
Month 3 $120 $4.00 30 102 $408
Month 4 $120 $6.00 20 122 $732
Month 5 $120 $8.00 15 137 $1,096
Investment in 5 months: $600 for 137 shares –––– Average cost per share: $4.38 –––– Total Value: $1,096
The result: dollar-cost averaging typically provides a lower average cost per share, and therefore
the potential for higher profit over time.
This table is hypothetical and for illustrative purposes only and is not indicative of any investment. Please note that
dollar-cost averaging does not guarantee a profit or protect against loss in a declining market. Dollar-cost averaging
involves continuously investing in securities regardless of fluctuating price levels, an investor should consider his/her
ability to continue purchasing through low price periods.
25. 25
what if you need to save for college at the same time?
May seem counterintuitive, but …
Many sources of college grants and loans
No sources of retirement gifts and loans
Greater gift to your children to first provide for an independent
retirement than to end up depending on them later in life
Great if you can save for both, but save for college only after
maximizing your company matches and IRS retirement account
tax advantages
27. 27
it’s what you keep that counts
The closer you get to retirement, the more
you need to protect your nest egg:
From the market
From inflation
From taxes
From financial failure of provider
From yourself
28. 28
reducing the impact of market volatility
Asset allocation
Careful investment selection
Dollar-cost averaging
Rebalancing
Products with guarantees
29. 29
investing to attempt to outpace inflation
Source: http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html
http://dqydj.net/sp-500-return-calculator/
http://www.in2013dollars.com/1926-dollars-in-2015?amount=100
Investments and inflation between 1926 and 2015
30. 30
the power of tax deferral
The chart is for illustrative purposes only.
466,096
320,714
374,572
$0
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
$400,000
$450,000
$500,000
This hypothetical illustration shows how a $100,000 investment in a tax-
deferred account versus a fully taxable account after 20 years. It
assumes an individual is in the 25% tax bracket, as well as an 8% return.
This hypothetical example is for illustrative purposes
only. The 8% return is not intended to reflect the actual
performance of any product or any other investment.
This example does not reflect deductions for any fees
or expenses -- such as the mortality expense charge,
sales charge, or administrative fee that are assessed
with a variable annuity -- which would reduce the
investment performance shown. The AXA Equitable
Accumulator variable annuity for example contains a
mortality and expense charge of 0.80%, distribution
charge of 0.30% and an administrative fee of 0.30%
Tax rates and tax treatment of earnings may impact
comparative results. Lower maximum tax rates on
capital gains and dividends would make the return of
the taxable investment more favorable, thereby
reducing the difference in performance between the
accounts shown. State and local taxes should also be
considered. Withdrawals made prior to age 591/2 may
result in an additional 10% federal tax penalty.
Please consider your personal investment horizon and
income tax bracket, both current and anticipated, when
making an investment decision as these may further
impact the results of the comparison.
Tax-Deferred
Investment
(Before Tax)
Fully
Taxable
Investment
Tax-Deferred
Investment
(After Tax)
31. 31
Stock ratings
Mutual fund ratings
Bond ratings
Insurer ratings
Bank ratings
identifying quality & strength
Examples of rating Firms:
Morningstar
Standard & Poor’s
Moody’s
A.M. Best
Bankrate.com
35. 35
retirement years – considerations
Sources of retirement income
How to potentially maximize/extend your income
How to maintain a minimum lifetime income
Maximizing your Social Security benefits
Long Term Care planning
36. 36
sources of retirement income
Pensions
Social Security
Savings Accounts
Annuities
401(k) – employee retirement plans
IRAs
General (taxable) investment accounts
Dividend-paying stocks
Bonds
Mutual funds
Exchange traded funds
37. 37
making the most of your retirement income
Get the right asset allocation for you
Determine your withdrawal rate
Seek to maximize dividends and interest
Get income guarantees
38. 38
how to get lifetime income security
Immediate fixed annuities
Variable annuities with
living benefits
Annuities are long-term financial products designed for retirement
purposes. In essence, annuities are contractual agreements in which
payment(s) are made to an insurance company, which agrees to pay out
an income or a lump sum amount at a later date. There are contract
limitations and fees and charges associated with annuities, which
include, but are not limited to, mortality and expense risk charges, sales
and withdrawal charges, administrative fees, and charges for optional
benefits. Amount in a variable annuity’s investment portfolios are subject
to fluctuation in value and market risk, including loss of principal. A
financial professional can provide cost information and complete details.
Guarantees of a minimum income amount are generally optional, require
an additional fee, and contain certain restrictions and limitations.
Guarantees are based on the claims-paying ability of the issuing
insurance company.
Withdrawals from annuities may be subject to normal income tax
treatment and if taken prior to age 59½ may be subject to an additional
10% federal income tax penalty. Withdrawals may also be subject to a
contractual withdrawal charge.
Living Benefits are optional riders that can be added at an additional fee.
40. 40
long term care planning
Increasing need – children/relatives may be less available for elder care
People age 65 will face at least a 40 percent lifetime risk of entering a
nursing home sometime during their lifetime*
Care is expensive – average annual cost of a private room in a nursing
home in the U.S. is $50,000 a year. In some regions, it can easily cost
twice that amount*
LTC not paid by Medicare; home care not covered by Medicaid
LTC insurance premiums may be tax deductible
With LTC insurance, the younger you purchase typically the lower the
premiums
* Source: https://longtermcare.genworth.com/comweb/consumer/pdfs/long_term_care/GE805_AHIP_Guide_Crono.pdf
42. 42
preserving an estate and maximizing legacies – considerations
Estate taxes
Estate planning strategies
Life insurance
43. 43
guarding against estate taxes
The potential amount of
your estate that may go to
federal estate taxes and
not your heirs.
40%*
The maximum estate tax rate is now 40 percent with an applicable
exclusion amount of $5.45 million.
Source: www.irs.gov
44. 44
do you intend to leave behind a legacy?
A comprehensive estate plan enables you to:
Decide who receives a share of your assets
Decide how and when your beneficiaries receive
their inheritance
Decide who will manage your estate
Select a guardian for your young children
Provide for the orderly continuance or sale of
a family business
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Provides “instant estate”
Can fill in gaps in support
Can pay estate taxes
Proceeds may be income-tax free
Can keep a business/professional practice
alive, owned by those you wish
Can provide extra amounts for charities
and schools
Life insurance contains certain exclusions, limitations and terms for keeping it in force.
For costs and complete details of coverage, contact a financial professional.
life insurance can help make a difference
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benefits of using a financial professional
A financial professional has the experience and know-how to:
Develop a strategy to help you address your retirement goals and objectives
Provide objective, unemotional guidance and answers to your retirement questions
Recommend appropriate financial products
Potentially help minimize the bite of taxes
Review your situation regularly, and provide ongoing check-ups
Refer you to other necessary professionals – Estate Planning attorneys and
accountants
Reduce your stress and save time
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retirement escape with confidence
Start saving for retirement early
Take advantage of helping hands along the way –– tax breaks and
employer matches
Use asset allocation and other proven investment strategies
Protect your assets — from taxes, the markets, health costs, yourself
Maximize your retirement income and final legacies
Consider using a professional(s)
Review your financial situation regularly
49. If you have any questions or would like to schedule a complimentary
initial consultation, please email us at info@ascedndplanning.com or call
(703) 205-0402.
Our difference is our team.
Ascend Planning & Consulting, LLC is comprised of a group of top
financial advisors who are registered representatives of one of the
nation’s largest and financially strong financial companies, AXA
Advisors, LLC. Under the direction of our founders, we have assembled
a highly sophisticated and knowledgeable group of advisors to help you
with all of your business and personal planning needs.
Ascend Planning & Consulting, LLC is not a registered investment
advisor and is not owned or operated by AXA Advisors or AXA Network.