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

Five Threats to YourRetirement Security


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


Providing Sound Advice…

For Life

200 East Big Beaver, Troy, MI 48083

(248) 457-4555

www.gwallc.com


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