Adkins Capital Management presents a strategic retirement plan savings methodology and an internet-based calculator designed to help prospective home buyers determine their retirement savings needs and plan accordingly. The methodology involves assessing desired retirement income, expected rate of return, and incorporates factors such as social security benefits to establish realistic savings targets. By following this approach, users can make informed home purchase decisions based on their calculated retirement funding requirements.

1. Adkins Capital Management
OVERVIEW OF STRATEGIC RETIREMENT PLAN SAVINGS
METHODOLOGYAND INTERNET-BASED CALCULATOR

2. CONTENTS
 The purpose of this presentation is to provide an overview of the strategic
retirement plan savings methodology and Internet-based calculator that has
been developed by Adkins Capital Management.
 This presentation will explain how prospective home buyers can use the
Retirement Plan Savings Calculator in order to:
 Determine the amount of money they need to accumulate by their
retirement date in order to fund their retirement; and
 Determine the amount of money they need to save each year in order to
accumulate a retirement savings amount that is capable of funding their
retirement.
 By utilizing the analytical methodology and Internet-based calculator
explained in this presentation, prospective home buyers will be able to make
a prudent home purchase decision.
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3. Adkins Capital Management
 Privately owned and independently operated company.
 Our mission is to bridge the gap in the residential housing
market, where deficiencies in education, public policy,
regulation, product structure, and personnel have created
an environment where prospective home buyers need
objective information and useful analytical tools that will
allow them to make a prudent home purchase decision.
 More than 15 years of real estate analysis experience,
more than 10 years of institutional investment consulting
experience, and more than eight years of freelance
financial writing experience.
Adkins Capital Management, LLC. 2
 Author of more than 25 published articles, including publications by Forbes,
Investor’s Business Daily, Yahoo, Investopedia, Financial Edge, and more than 230
news organizations worldwide.
 Six Problems With 401k Plans (150+ news organizations);
 The Defined Benefit Plans Many Problems (San Francisco Chronicle and
Yahoo Finance);
 Five Resources For Learning to Retire Rich (Forbes and Investopedia).

4. This analysis makes four important assumptions that are necessary in order to utilize
the strategic retirement plan savings methodology:
 First, the prospective home buyer knows the amount of annual pre-tax retirement
income that he would like to have available to spend during his retirement years
(e.g. $50,000 per year until death);
 Second, the prospective home buyer can make a single prudent assumption about
the investment rate of return that he will earn on his retirement savings during his
working years and during his retirement years (e.g. 6% per year);
 Third, the prospective home buyer will live exclusively off of the investment
earnings that are generated by his accumulated retirement savings amount and will
not utilize any of his accumulated retirement savings principal once he is retired;
and
 Fourth, the prospective home buyer will bequest his accumulated retirement
savings amount to his beneficiary upon his death.
METHODOLOGY ASSUMPTIONS
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5.  In order to establish an effective retirement plan strategy, the prospective home
buyer needs to begin by answering the following question:
 How much money will I need to accumulate by the day I retire in order to
maintain my desired standard of living during my retirement years (e.g.
$833,333 dollars)?
 By utilizing the strategic retirement plans savings methodology, the answer to this
question can be found by assessing the prospective home buyer’s desired pre-tax
annual retirement benefit amount, and the assumed rate of return on retirement
savings that the prospective home buyer believes he can achieve during his
retirement years.
 Example:
 If the prospective home buyer would like to have an annual pre-tax retirement benefit
of $50,000 dollars, and the prospective home buyer believes that he can generate a
6% annual return on investment savings during his retirement years, then the
prospective home buyer will need to accumulate $833,333 dollars by the day he
retires.
 By answering the first retirement savings question, the prospective home buyer
will have established a financial goal that he should strive to achieve during his
working career.
FIRST STRATEGIC RETIREMENT PLAN SAVINGS QUESTION
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6.  Once the prospective home buyer knows how much money he needs to accumulate
by the day he retires in order to fund his annual retirement benefit, the second
question he needs to answer is:
 How much money will I need to save each year during my working career in
order to accumulate my required savings target amount (e.g., $10,541 per year
for 30 years)?
 By utilizing the strategic retirement plan savings methodology, the answer to this
question depends only on two assumptions:
 How many years will the prospective home buyer work prior to his retirement;
and
 What rate of return will the prospective home buyer earn on his retirement
savings during his working career.
 With this information, the prospective home buyer can use the Strategic Retirement
Plan Savings Calculator in order to analyze his retirement strategy for a wide variety
of financial savings scenarios.
 By answering the second retirement savings question, the prospective home buyer
will be able to develop an effective strategic retirement plan policy that he should
strive to achieve during his working career.
SECOND STRATEGIC RETIREMENT PLAN SAVINGS QUESTION
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7. Example: Assume that the prospective home buyer would like to have an annual
retirement benefit amount of $50,000 dollars, assume that he will work for 30 years,
and assume that he believes that he will achieve a 6% annual return on investment
from his retirement savings during his working career.
Question: How much money will the prospective home buyer need to save each
year in order to accumulate a retirement savings amount that is capable of
funding my retirement?
Answer: $50,000 dollars required annual retirement benefit amount * 21.0815% factor
multiple from table above = required annual savings amount of $10,541 dollars. At
retirement, the prospective home buyer will have accumulated $833,333 dollars,
assuming a 6% annualized rate of return on investment and a 30-year working career.
Percent of Annual Gross Retirement Benefit Needed to be Saved Annually During the Prospective Home Buyer’s
Working Career in Order to Fund His Desired Standard of Living During Retirement
Assumed
Annual
Rate of
Return on
Investment
Number of Working Years
10 20 25 30 35 40 50
1% - 5% Contact ACM
6% Contact ACM 21.0815% Contact ACM
7% - 20% Contact ACM
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8.  Prospective home buyers can also incorporate their annual estimated social
security benefit amount into the strategic retirement plan savings methodology in
order to help establish their strategic retirement plan policy. By visiting their “My
Social Security Account” at http://www.ssa.gov/myaccount/, prospective home
buyers can obtain an estimate of their future social security benefit amount.
 For example, assume that the prospective home buyer’s future annual social
security benefit amount is estimated to be $20,000 dollars. Given this benefit
level, his accumulated savings target at retirement will be reduced from $833,333
dollars to $500,000 dollars, and his annual required pre-tax savings amount will be
reduced from $10,541dollars to $6,325 dollars (($50,000 - $20,000) * 21.0815%).
 By taking into account the prospective home buyer’s expected social security
benefit, a much more accurate and achievable strategic retirement plan policy can
be established by using the Strategic Retirement Plan Savings Calculator.
IMPLICATIONS OF SOCIAL SECURITY BENEFITS
7
Strategic Retirement Plan
Savings Policy
Without Social Security With Social Security
Required accumulated
target savings amount
$833,333 $500,000
Required annual savings
amount
$10,541 $6,325
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 The following picture is an illustration of the Strategic Retirement Plans
Savings Calculator that is available on the Adkins Capital Management Website

10.  The strategic retirement plan savings methodology outlined in this
presentation utilizes intuitive financial engineering in order to:
 Calculate the amount of money that prospective home buyers need to
accumulate by the day they retire in order to fund their retirement;
 Calculate the amount of money that prospective home buyers need to
save each year in order to fund their retirement; and
 Reduce the number of input variables that are required to implement a
strategic retirement plan policy
 Eliminate the need to rely on the prospective home buyers’ future salary
expectations
 Eliminate the need to rely on the length of the prospective home buyers’
retirement life.
 By utilizing the Strategic Retirement Plan Savings Calculator, in conjunction
with the use of the Adkins Residential Home Valuation Analyzer, prospective
home buyers will be able to establish an effective strategic retirement plan
policy and make a prudent home purchase decision.
CONCLUSION
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11. THANK YOU FOR VISITING
Adkins Capital Management
Adkins Capital Management
New York, NY, U.S.A.
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