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Five Threats to Your Retirement Security. Five Major Threats. Outliving Your Money Effects of Inflation Investment Performance Excessive Withdrawals Healthcare Costs. Outliving Your Money. Longer Life Expectancies Not Saving Enough Exhausting Your Principal. Effects of Inflation.

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Presentation Transcript
five major threats
Five Major Threats
  • Outliving Your Money
  • Effects of Inflation
  • Investment Performance
  • Excessive Withdrawals
  • Healthcare Costs
outliving your money
Outliving Your Money
  • Longer Life Expectancies
  • Not Saving Enough
  • Exhausting Your Principal
effects of inflation
Effects of Inflation
  • Purchasing Power Risk
  • Rule of 72
    • In Reverse
    • Divide 72 by Effects of Inflation Rate
investment performance
Investment Performance
  • Negative Returns
  • Lower Than Expected Returns
excessive withdrawals
Excessive Withdrawals
  • Spending Too Much
  • Coupled with Early Losses
healthcare costs
Healthcare Costs
  • Premiums
  • Deductibles
  • Coinsurance
  • Excess Charges
  • Other Out-of-Pocket Expenses
outliving your money1
Outliving Your Money
  • Accumulate More
  • Delay Retirement
  • Reduce Budget
  • Increase Return
  • Keep 12 Months of Income in Cash
effects of inflation1
Effects of Inflation
  • Need
    • Growth of Capital
    • Growth of Income
  • Huge Risk
    • Being Too Conservative
investment performance1
Investment Performance
  • Suitability
  • Diversification
  • Asset Allocation
  • Active vs. Passive
  • Low Cost Approach
excessive withdrawals1
Excessive Withdrawals
  • Control Spending
  • Early Years
    • Losses
    • Need to Adjust
    • 4% Solution
healthcare
Healthcare
  • Pre-Medicare
  • Medicare
  • Medigap
  • Long Term Care Insurance
  • Health Savings Accounts
one more threat
One More Threat!
  • Impact of Taxes
    • Income
    • Gift
    • Estate
    • Inheritance
    • Property
    • Sales
    • And More!
solutions
Solutions?
  • Comprehensive Financial Planning
  • Address All Five Threats
  • Examine
    • Cash Flow
    • Investments
    • Retirement Income
    • Estate Planning
    • Risk Management
question and answer
Question and Answer
  • Open for Questions
  • Free Consultation
slide16
Providing Sound Advice…

For Life

200 East Big Beaver, Troy, MI 48083

(248) 457-4555

www.gwallc.com

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