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The Fear of Running out of Money Tips & planning strategies to fully utilize your Restylement™ income
An Uncertain Environment ,[object Object],[object Object]
Longevity ,[object Object],Sources: “Working with Seniors,” The Society of Senior Advisors, 2005. National Center for Health Statistics, 2002.  The Number , Lee Eisenberg, pg. 98
Healthcare Costs ,[object Object],Cataract Surgery $5,000 Low Back Pain Surgery $4,500 Knee Replacement $23,000 Coronary Artery Bypass $55,000 Hip Replacement $24,000 Source: Healthpartners.com, 2010.
Healthcare ,[object Object],[object Object],Source: Fidelity Benefits Consulting Survey, 2011
Inflation –  The Black Hole ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Inflation ,[object Object],[object Object],[object Object],[object Object],[object Object],Sources: Standard & Poor’s S&P 500, Yahoo! Finance, 2010 Disclosure – The S&P 500 index is unmanaged and not available for direct investment; therefore its performance will not reflect the expenses and costs associated with active management of an actual fund. Past performance does not guarantee future results.
Inflation ,[object Object],[object Object]
How Much Do You Need? Source:  The Number , Lee Eisenberg, 2006. To be . . . ...you need... (annually) ...which means  a number of... Comfortable :   lives in one home, eats and travels modestly, though better than most $50K–$100K $1–$2 million Comfortable+ :   likes occasional upgrade,  mid-priced country club, a small second home $175K–$250K $2–$5 million Kind of Rich :   likes finer things, eats/drinks/travels well, gives money away,  picks up checks, couple of nice houses $350K–$500K $7–$10 million Rich :   spends weeks/months abroad, exclusive gated golf communities, place for every season, fractional jets, member of boards > $1 million > $20 million
Social Insecurity ,[object Object],[object Object],[object Object],*Source: Social Security Administration, 2009
Social Security ,[object Object],[object Object],[object Object],[object Object]
Social Security ,[object Object],[object Object],[object Object],[object Object]
Medicare ,[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare ,[object Object],[object Object],[object Object]
So… What Can You Do? ,[object Object],[object Object],[object Object]
Thank you! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Securities and advisory services offered through National Planning Corporation (NPC), Member FINRA/SIPC, a Registered Investment Adviser. Additional advisory services offered through Lexco Wealth Management Inc.(LEXCO), a Registered Investment Adviser and Wealth Management Group of N.A. (WMGNA), a Registered Investment Adviser. Lexco, WMGNA, The Hartford, and NPC are separate and unrelated companies.

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The Fear of Running out of Money

  • 1. The Fear of Running out of Money Tips & planning strategies to fully utilize your Restylement™ income
  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7.
  • 8.
  • 9. How Much Do You Need? Source: The Number , Lee Eisenberg, 2006. To be . . . ...you need... (annually) ...which means a number of... Comfortable : lives in one home, eats and travels modestly, though better than most $50K–$100K $1–$2 million Comfortable+ : likes occasional upgrade, mid-priced country club, a small second home $175K–$250K $2–$5 million Kind of Rich : likes finer things, eats/drinks/travels well, gives money away, picks up checks, couple of nice houses $350K–$500K $7–$10 million Rich : spends weeks/months abroad, exclusive gated golf communities, place for every season, fractional jets, member of boards > $1 million > $20 million
  • 10.
  • 11.
  • 12.
  • 13.
  • 14.
  • 15.
  • 16.