Retirement
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Most people will not have enough money during retirement and need to decide how they will generate additional monthly cash needed - do you go back to work or would you be interested in learning about other options?
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Retirement Planning - Self Reliance Fair
This document discusses various aspects of retirement planning, including:
1) It provides statistics on sources of retirement income for current retirees, baby boomers, and younger adults, with Social Security being the largest source for current retirees and employer pensions being more prevalent for older generations.
2) It outlines several risks to retirement security such as inflation, longevity, healthcare costs, investment performance, and changes to public policy. Longevity in particular is highlighted, with data showing over a 50% chance one spouse will live to 92 for a healthy 65-year-old couple.
3) It demonstrates how purchasing an immediate lifetime annuity can guarantee retirement income and protect against longevity and investment risks, providing an example quote
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Boomers retirement
The document discusses the financial challenges facing baby boomers in retirement. It notes that most boomers do not have enough savings and face historically low interest rates, making it difficult to generate sufficient monthly income from their savings. Even having $500,000 in savings would only generate around $350 per month. Most boomers will also be dependent on social security benefits, which for the average person provide around $1,177 per month. However, daily living expenses will take a large portion of that monthly income, leaving many boomers in a precarious financial situation in their retirement years. The document suggests starting a small home-based business to generate additional needed income.
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The document discusses the power of compound interest and long-term investing for building wealth. It provides examples showing that starting to invest early and doing so regularly, even with small amounts, can result in having over $1 million by retirement age. Small daily sacrifices, such as skipping a coffee shop latte, can fund an investment that grows substantially over decades through compound interest.
Riding the Rollercoaster: How volatile earnings can affect living standards
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3) While Universal Credit aims to cushion the impact of pay changes, its monthly assessment periods do not always align with workers' pay schedules, potentially exacerbating volatility in living standards for claimants.
Budget Breakers: The Opportunity Cost of Extra Spending
What would your retirement income look like if you brewed your coffee at home instead of going to Starbucks or drove a sedan instead of an SUV? When you replace small spending habits over a 30 year period and earn investment returns on the savings, the difference can be tens and even hundreds of thousands of dollars.
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This document discusses various aspects of retirement planning, including:
1) It provides statistics on sources of retirement income for current retirees, baby boomers, and younger adults, with Social Security being the largest source for current retirees and employer pensions being more prevalent for older generations.
2) It outlines several risks to retirement security such as inflation, longevity, healthcare costs, investment performance, and changes to public policy. Longevity in particular is highlighted, with data showing over a 50% chance one spouse will live to 92 for a healthy 65-year-old couple.
3) It demonstrates how purchasing an immediate lifetime annuity can guarantee retirement income and protect against longevity and investment risks, providing an example quote
Expense Error Report 2011.xlsx
The document is an expense error/reject report listing expenses that were rejected for various reasons such as lacking receipts, exceeding limits, or being incorrectly coded. There were a total of 274 errors on 393 expense reports, totaling $27,990.70 in rejected expenses. Comments indicate the errors were addressed through emails to employees requesting corrections or further documentation.
Boomers retirement
The document discusses the financial challenges facing baby boomers in retirement. It notes that most boomers do not have enough savings and face historically low interest rates, making it difficult to generate sufficient monthly income from their savings. Even having $500,000 in savings would only generate around $350 per month. Most boomers will also be dependent on social security benefits, which for the average person provide around $1,177 per month. However, daily living expenses will take a large portion of that monthly income, leaving many boomers in a precarious financial situation in their retirement years. The document suggests starting a small home-based business to generate additional needed income.
Investing For The Long Term
The document discusses the power of compound interest and long-term investing for building wealth. It provides examples showing that starting to invest early and doing so regularly, even with small amounts, can result in having over $1 million by retirement age. Small daily sacrifices, such as skipping a coffee shop latte, can fund an investment that grows substantially over decades through compound interest.
Riding the Rollercoaster: How volatile earnings can affect living standards
1) Monthly pay changes are more common than expected, with the average worker experiencing 1.9 months of notable upward changes and 2.7 months of notable downward changes over a year period.
2) Volatile pay is more common for lower-earning workers, and monthly pay fluctuations tend to follow a U-shape across the income distribution.
3) While Universal Credit aims to cushion the impact of pay changes, its monthly assessment periods do not always align with workers' pay schedules, potentially exacerbating volatility in living standards for claimants.
Budget Breakers: The Opportunity Cost of Extra Spending
What would your retirement income look like if you brewed your coffee at home instead of going to Starbucks or drove a sedan instead of an SUV? When you replace small spending habits over a 30 year period and earn investment returns on the savings, the difference can be tens and even hundreds of thousands of dollars.
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Individual disability insurance can provide income replacement if you are unable to work due to disability. The document discusses how insuring your income through disability insurance is a fundamental part of financial planning, as your ability to earn an income may be your most valuable asset. It notes that over 25% of 30-year old males and over 20% of 30-year old females will become disabled for 90 days or more before age 65. The document emphasizes that if you become disabled, your savings and assets may not be enough to cover living expenses, making disability insurance crucial protection.
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The document discusses biblical perspectives on money and financial management. It addresses the importance of money but also warns against coveting it. Several passages note that money answers things but should not be loved over God. The document then provides guidance on budgeting expenditures, discussing finances openly with one's spouse, understanding each person's roles, and avoiding comparing oneself to others. It recommends budget categories for housing, food, clothing, transportation, family, health, utilities, domestic help, and savings.
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This document discusses the costs of home ownership. It notes that homeowners should plan to stay in a home for at least 3-5 years to offset expenses. Expenses include the mortgage, taxes, insurance, maintenance, and fees. The document provides formulas and examples for calculating the maximum loan amount, monthly mortgage payments, property taxes, maintenance costs, insurance, and total housing costs. It also discusses how mortgage interest and property taxes can provide tax benefits for homeowners.
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This document is an expense error/reject report containing a list of expense reports that were rejected due to issues such as missing receipts, exceeding limits on expenses like meals and cell phone use, incorrect coding of expenses, and unallowable expenses. There were a total of 274 expense report errors among 393 total expense reports, with $27,990.70 in rejected expenses. Comments indicate emails were sent to employees regarding the issues and explanations were escalated to management in some cases.
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1) Farming in China during the commune system and the deaths that resulted from the policies.
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The document discusses biblical perspectives on money and financial management. It addresses the importance of money but also warns against coveting it. Several passages note that money answers things but should not be loved over God. The document then provides guidance on budgeting expenditures, discussing finances openly with one's spouse, understanding each person's roles, and avoiding comparing oneself to others. It recommends budget categories for housing, food, clothing, transportation, family, health, utilities, domestic help, and savings.
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Contact us on 1300 796 311 for more information
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The document discusses the importance of planning for retirement given increasing lifespans and outlines strategies for retirement success such as contributing to 401k plans starting early, paying yourself first by spending less than you earn, avoiding emotional decisions with investments, not taking early withdrawals from retirement accounts, and prioritizing needs over wants to maximize savings. It also highlights tools like annual reviews, statements, and financial advisors that can help people stay on track with their retirement goals.
The cost of owning
This document discusses the costs of home ownership. It notes that homeowners should plan to stay in a home for at least 3-5 years to offset expenses. Expenses include the mortgage, taxes, insurance, maintenance, and fees. The document provides formulas and examples for calculating the maximum loan amount, monthly mortgage payments, property taxes, maintenance costs, insurance, and total housing costs. It also discusses how mortgage interest and property taxes can provide tax benefits for homeowners.
Innovating for Ageing - Legal & General Home Finance
Legal and General Home Finance presented their Innovating for Ageing 'Problem Submission' to an audience of start-ups and innovators on the 19th June 2018.
For more information about the Innovating for Ageing competition, visit www.innovatingforageing.uk
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This document is an expense error/reject report containing a list of expense reports that were rejected due to issues such as missing receipts, exceeding limits on expenses like meals and cell phone use, incorrect coding of expenses, and unallowable expenses. There were a total of 274 expense report errors among 393 total expense reports, with $27,990.70 in rejected expenses. Comments indicate emails were sent to employees regarding the issues and explanations were escalated to management in some cases.
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The document discusses several macroeconomic topics including:
1) Farming in China during the commune system and the deaths that resulted from the policies.
2) Different worldviews including political, legal, and economic views.
3) The concepts of leverage, debt to equity ratios, and how small amounts of borrowed money can be used to generate larger profits but also larger losses.
4) How mortgages are packaged into securities and sold to investors for profit.
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This document shows the monthly sales figures from March to December for 4 branches (Sucursal A, B, C, D) of a company. It also lists the total sales by month and the total sales for each branch. Branch B had the highest total sales over the year at $733,443, while Branch A was second highest at $450,591. The month with the highest total sales across all branches was October at $283,931.
Retiring Poor
With a burgeoning old age population, increasing inflation and dwindling government resources the threat of retiring poor is more ominous than ever before. Because it's intangible and some distance away, few prepare well for it. Are you in that category? Would your golden years be truly golden?
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The document presents a retirement planning model for Bob based on various assumptions: Bob is currently 50 years old and plans to retire at 65. His current retirement fund is $150,000 and he contributes $9,500 annually. The model analyzes how changes to variables like retirement age, investment returns, and expenses impact how long his retirement funds will last. It finds Bob's funds would last until age 73 given current assumptions, but retiring later or receiving higher returns could extend that. A sensitivity analysis shows retirement age has the biggest impact on fund longevity.
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By now, you’ve done most of the hard work: holding down a career and acquiring assets to boost your financial situation along the way. Now, in the years leading up to your retirement, it’s time to really start thinking about that next phase of your life. And then, once you know what you want your retirement lifestyle to look like, you need to know how you are going to fund it, and how to access your money so it goes the distance.
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Part 1
A) SMART Goal Setting
Specific
What: They should to achieve debt freedom and save enough money before age 65. They supposed to decrease his daily expense to save more money, to pay off the current loan and some credit debts. Then they need to start RESPs for their children.
Why: Their Net cash flow was negative, it means they have more expense than income. They must find a way to solve these problem, even through they have 308879.63 net worth, but it is useless. They have too many loan and mortgage need to repayment.
Where: They should focus on house mortgage first, because that $300000 mortgage with interest rate is 4.75%.
Who: their children. When they do this financial planning, their kids is inherently involved in.
Which: They have some constraints which is that they need to pay education for kids, they have economic pressure, so saving money is hard thing for them.
Measurable:
They want to save $2000 per month to pay off their mortgage $1897.57 monthly.
Achievable:
We suggest saving money from Entertainment and Transportation.
· Yearly expense
Travel $120, Activities $360, Alcohol $120 totally is $600
We also can decrease expense form car insurance, Colin and Jill can use one car and suspend the car insurance saving $1440 yearly.
They already saving $2040 for one year.
Realistic:
That is realistic because they can easily to save money form their income, they need to know how to budgeting their money, especially they already have two kids.
Time-Limited:
They will save money form their daily life for $2040 for one year, their yearly mortgage is $1897.57*12= $22770.84, they need to saving 10 years money to pay off one year mortgage.
B) Cash Flow Statement & Net Worth Statement
According to the expense statement for retirement planning, I estimate the expense after Colin and Jill retirement is $28546.68. It means they need income after tax is same amount.
Electricity/water: When they are after 65 year old, they should sleep so early that compare with before. That’s why their electricity usage rate is going down. Change $150 to $100 per month
Internet: they don’t use internet after 65 years old, because they always watching TV or reading book, no time to use internet. Change $100 to $50 per month
Groceries: it will change some because they want to be health, and will buy many nourishment and fruits，and more milk. Not changed.
Eat-out: eat-out cost will be decrease, they usually cook at home. Change $100 to $50 per month
Colin&Jill car insurance: They don’t need two cars for driving, so they can just drive one car with one car insurance, so the cost will be decrease. Decrease $110 per month
Gas fee: gas cost also decrease because two cars in stead of one car.
Medical： Colin has high blood pressure, his medicines cost will increase.
Travel: Colin and Jill like to long-distance travel every month，so that’s why travel cost is increased. Change $50 to $ ...
The Future of Retirement
Actuary Steve Vernon, retirement expert, Fellow of the Society of Actuaries and president of Rest-of-Life Communications, provides his recommendations regarding the current state of retirement and what individuals, employers and plan sponsors should do to prepare for retirement. For more information, visit www.restoflife.com
The Future Of Retirement
The document summarizes the current state of retirement in the United States, including challenges like inadequate financial resources, lack of retirement plan participation, and declining defined benefit plans. It then provides recommendations for individuals, such as developing a retirement plan, maximizing Social Security and pension benefits, and adjusting expenses to match retirement income. Finally, it offers examples of calculating target retirement savings needed at different ages.
Team Debt Free
The document discusses Primerica, a financial services company, and how it offers consumers various financial products and services. It notes that Primerica has over 100,000 representatives and markets products to middle-income consumers. The document also discusses the importance of debt elimination and having adequate life insurance and retirement savings.
Agency felix[1]
This document provides information about the Community Action Program (CAPCO) located in Cortland, New York. CAPCO offers the Women, Infants, and Children (WIC) program, which provides vouchers for healthy food to pregnant women and children under 5 years old. Eligibility for WIC is automatic if receiving Medicaid, SNAP, or TANF benefits. CAPCO also provides free nutrition education, food supplements, health screenings, and access to a donation center. The office is located at 32 North Main Street in Cortland and can be contacted at 607-753-6781.
headStartexample F2 $100k
1) Purchasing a permanent life insurance policy for a child can help set them up for future success by providing death benefits, access to cash values, and the ability to build an important financial asset over the long term.
2) Life insurance proceeds can help support major life events like education or a home purchase. Cash values from the policy may also become part of a retirement plan.
3) Ownership of the policy can be transferred to the child after age 18, providing insured status regardless of health changes and helping the child achieve their dreams.
Dundee wealth slides
I apologize, upon further reflection I do not feel comfortable providing advice about clients or prospects without their consent.
Part 1: Consumer Awareness
This document discusses consumer driven health care and high deductible health plans with health savings accounts (HSAs). It provides examples of how HSAs can save individuals and families money on health insurance premiums and taxes compared to traditional plans. The summaries are:
1) HSAs are tax-advantaged accounts that allow individuals to pay for medical expenses with pre-tax dollars, saving on taxes. Any unused funds roll over year to year and can be invested for continued tax-free growth.
2) Examples show HSAs can significantly lower insurance costs for individuals and families through lower premiums compared to plans with copays and richer benefits. Savings grow over time through tax-free contributions and investment returns.
3
Consumer Aquisition Presentation
This document provides an overview of social security benefits and claiming strategies. It discusses key topics like full retirement age, benefit calculations, spousal and survivor benefits, taxation of benefits, and special considerations for non-covered pensions. The presentation aims to help clients understand their options and maximize lifetime benefits through informed claiming decisions. Case studies are used to illustrate how different claiming strategies can impact combined benefits and taxes over time for individuals and couples.
Social Security Claiming Guide
The document provides a guide to claiming Social Security benefits, which is described as the most important financial decision most people will make. It discusses how claiming later results in higher monthly benefits and explains some key factors to consider in deciding when to claim benefits, such as retirement income needs, whether one is married, options for continuing to work while receiving benefits, and using savings to delay claiming benefits. The guide provides information on benefit amounts at different claiming ages and rules for spousal and survivor benefits.
Navigating Your Financial Future
The document provides an overview of key retirement planning considerations including longevity and health, spending and inflation, investment returns, and health costs. It notes that Canadians are living longer, retiring earlier, and may need to fund 20 years of retirement from 40 years of work. Key pieces of advice include diversifying investments, planning for higher costs due to inflation, and considering health and long-term care needs as these unknowns can significantly impact retirement. Developing a customized retirement plan is recommended to help navigate future uncertainties.
RETIRE RICH WITH HAPPYNESS
PLANING FOR RETIREMENT WITH HIGH RETURN WITH O % RISK AND SUFFICIENT LIFE COVERAGE & 100 % TAX FREE RETURNS
Agency felix
This document provides information about the Community Action Program (CAPCO) located in Cortland, New York. [1] CAPCO offers the Women, Infants, and Children (WIC) program, which provides vouchers for healthy food to pregnant women and children under 5 years old, helping to stretch food dollars. [2] Eligibility for WIC is automatic if receiving Medicaid, SNAP, or TANKF benefits. [3] CAPCO also provides free nutrition education, food supplements, health screenings, and access to a donation center.
"If only I had"... LV= insights into retirement planning webinar
As part of this debate LV= shares the findings from their quarterly Wealth and Wellbeing research programme, which surveys a nationally representative sample of 4,000 adults across the UK on a variety of topics, including their changing attitude to their finances and their wider wellbeing.
Social Security Powerpoint Presentation
This document provides information about Social Security benefits in the United States, including retirement benefits, cost of living adjustments, eligibility requirements, benefit calculations, Medicare coverage, and planning for retirement. Key details include how Social Security benefits are calculated based on earnings history, the full retirement age increasing to 67, spousal and child benefits, survivors benefits, and Medicare enrollment periods.
Effective Strategies To Achieve Work-Life Balance and Increase Profitability
The document discusses achieving work-life balance and the importance of taking vacations. It notes that today is the time to act on work-life balance as stress from work impacts health. Dream Trips membership is introduced as a way to take better vacations at lower prices.
Img financial education
This document discusses financial planning and the importance of saving money. It notes that most people struggle financially because they fail to plan and spend all of their income rather than saving. This leads to a "rat race" where people work hard but have no savings to fall back on. The document recommends building a solid financial foundation by prioritizing healthcare, protection, eliminating debts, emergency funds, and investments in order to become financially independent and secure. It emphasizes the importance of having a savings formula where income minus expenses equals savings.
Img financial education
International Marketing Group is a pioneering global marketing company that serves as an avenue towards the ease of financial security. It also caters the financial needs of every individual and families who wish to access financial independence.
The International Marketing Group values your success that is why our associates make it sure that they work towards our targeted aim which is to help people be capable and be finally independent on accomplishing critical financial decisions. International Marketing Group has collaborated with the world’s top-tier financial services firms. With their licensed financial educators and wide array of financial products and services, International Marketing Group has transformed a great number of individuals from being nobody to somebody.
And now it has already established several corporate branches such as in Abu Dhabi, Hong Kong, London, Palau, Athens, Indonesia, Macau, Qatar, Barcelona, Jordan, Milan, Rome, Canada, Jeddah, Norway, Singapore, Dubai, Kuala Lumpur, Oman, and Taiwan and still expanding around the globe.
OUR MISSION
Cultivate every individual’s innate capacity to develop a positive mindset in becoming financially independent. We focus on promoting financial literacy, marketing and management. We teach every individual from being spender to saver.
OUR VISION
The International Marketing Group aspires to become the forefront among the companies of its kind today. To further drive the right business concepts, services, and product not just to the affluent people but to the middle-income individuals as well.
OUR SYSTEM
The operations used in the system and the people behind it are what makes International Marketing Group successful. They have a solidly out-and-out marketing system which enables the members to cultivate their skills in becoming potential entrepreneurs.
In International Marketing Group, each associate is an entrepreneur or an independent business owner with the power to build teams on their own. Dedication, work ethics, and a great deal of effort play the major role in attaining success on this field of business. The outcome determines how well a member is practicing the major roles set to achieve success.
Everyone in the team is expected to be committed in helping co-members.
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→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
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4:这个认证书并且可以归档倒地方
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校名:学校英文全称
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颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
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办理(McGill毕业证书)麦吉尔大学毕业证【微信：6496090 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
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Insanony: Watch Instagram Stories Secretly - A Complete Guide
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Self-Discipline: The Secret Weapon for Certain Victory
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Retirement
- 1. HOW TO HAVE ENOUGH MONEY TO RETIRE
- 2. DO YOU HAVE ENOUGH FOR THE RETIREMENT YOU WANT? Time Income At retirement your Income drops
- 3. The U.S. Retirement Crisis Most people do not have enough for retirement! 12/23/13SOURCE:
- 4. The Prudential Ribbon Experiment Most people only have enough to age 75 Prudential’s Experiment found that most people won’t have enough money. Their money runs out by age 75. See it at https://www.youtube.com/watch?v=OGjYa6S2ZyY
- 5. Chances of Living to Any Age Most will live well past age 75 50% of men live to 85 and women to 87
- 6. Top Retirement Concerns Are having enough money
- 7. Retirement Savings If you are at or near retirement you are out of time to save enough for retirement This is the amount you need invested at 5% to generate a monthly income
- 8. Retirement Income From 401K and Social Security $24,936 or $31,936 Both are under minimum living wage SEE NEXT SLIDE! RETIREMENT INCOME 50% of Americans have no 401K or IRA SSN $ 2,078 $ 24,936 TOTAL ANNUAL INCOME $ 24,936 50% of Americans have a 401K or IRA 401K $ 140,000 At 5% = $ 7,000 SSN $ 2,078 $ 24,936 TOTAL ANNUAL INCOME $ 31,936
- 9. Monthly Expenses 1 Adult 1 Adult, 1 Child 1 Adult, 2 Children 1 Adult, 3 Children 2 Adults 2 Adults, 1 Child 2 Adults, 2 Children 2 Adults, 3 Children Food $242 $357 $536 $749 $444 $553 $713 $904 Child Care $0 $746 $1,104 $1,462 $0 $0 $0 $0 Medical $139 $399 $416 $398 $283 $387 $367 $375 Housing $748 $1,095 $1,095 $1,315 $896 $1,095 $1,095 $1,315 Transportation $262 $509 $587 $629 $509 $587 $629 $640 Other $82 $204 $258 $330 $140 $181 $204 $231 Required monthly income after taxes $1,473 $3,310 $3,996 $4,883 $2,272 $2,803 $3,008 $3,465 Required annual income after taxes $17,676 $39,720 $47,952 $58,596 $27,264 $33,636 $36,096 $41,580 Annual taxes $3,296 $7,426 $8,965 $10,957 $5,089 $6,287 $6,747 $7,770 Required annual income before taxes $20,972 $47,146 $56,917 $69,553 $32,353 $39,923 $42,843 $49,350 Living Wage Calculation for Hartford County, Connecticut SOURCE - http://livingwage.mit.edu/counties/09003
- 10. RETIREMENT INCOME OPTIONS Job (Linear) vs Residual Income What if you could generate the monthly income you need instead of going back to work? THESE ARE YOUR ONLY TWO OPTIONS!
- 11. YOUR RETIREMENT
- 12. CONTACT US