Five threats to your retirement security
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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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Five Threats to Your Retirement Security

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Five Threats to YourRetirement 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

  • Purchasing Power Risk

  • Rule of 72

    • In Reverse

    • Divide 72 by Effects of Inflation Rate


Investment Performance

  • Negative Returns

  • Lower Than Expected Returns


Excessive Withdrawals

  • Spending Too Much

  • Coupled with Early Losses


Healthcare Costs

  • Premiums

  • Deductibles

  • Coinsurance

  • Excess Charges

  • Other Out-of-Pocket Expenses


Outliving Your Money

  • Accumulate More

  • Delay Retirement

  • Reduce Budget

  • Increase Return

  • Keep 12 Months of Income in Cash


Effects of Inflation

  • Need

    • Growth of Capital

    • Growth of Income

  • Huge Risk

    • Being Too Conservative


Investment Performance

  • Suitability

  • Diversification

  • Asset Allocation

  • Active vs. Passive

  • Low Cost Approach


Excessive Withdrawals

  • Control Spending

  • Early Years

    • Losses

    • Need to Adjust

    • 4% Solution


Healthcare

  • Pre-Medicare

  • Medicare

  • Medigap

  • Long Term Care Insurance

  • Health Savings Accounts


One More Threat!

  • Impact of Taxes

    • Income

    • Gift

    • Estate

    • Inheritance

    • Property

    • Sales

    • And More!


Solutions?

  • Comprehensive Financial Planning

  • Address All Five Threats

  • Examine

    • Cash Flow

    • Investments

    • Retirement Income

    • Estate Planning

    • Risk Management


Question and Answer

  • Open for Questions

  • Free Consultation


Providing Sound Advice…

For Life

200 East Big Beaver, Troy, MI 48083

(248) 457-4555

www.gwallc.com


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