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Retirement Planning

Donald M. Graham & Associates. Retirement Planning. Mission Statement. Our mission is to help our clients meet life’s complex financial challenges. How to manage your cash How to manage your debt How to invest How to pay for educational costs How to protect your family How to reduce taxes

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Retirement Planning

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  1. Donald M. Graham & Associates Retirement Planning

  2. Mission Statement Our mission is to help our clients meet life’s complex financial challenges. How to manage your cash How to manage your debt How to invest How to pay for educational costs How to protect your family How to reduce taxes How to plan your estate How to run a successful business How to retire comfortably

  3. History Donald M. Graham and Associates was founded in 1976 in Willard, Ohio. In an ever-changing world, we utilize a comprehensive team approach through strategic affiliations with banking, legal and tax planning professionals to target your objectives while providing for your entire one-stop shopping needs. A personalized financial plan is developed to pursue and meet your objectives. This is completed by a thorough assessment of all your personal and business goals. As we go through life’s various stages, we, at Donald M. Graham and Associates, want you to know that we will be there with you, every step of the way. From raising a family, saving for your child’s education, planning for retirement to developing an estate plan to protect your assets, we will assist you in handling life’s expected and unexpected changes.

  4. Our Team Donald M. Graham and Associates can target all of your financial services needs with our team of specialists. Each member of our team has an area of expertise in which they specialize. Working together, you can feel comfortable knowing that your financial needs can be targeted within our organization. Through extensive, continuing education programs, each member of our staff keeps current with the rapidly changing financial and insurance industry. All associates are independent financial advisors. Donald M. Graham and Associates has a long and valued affiliation with the Commonwealth Financial Network, one of the nation’s most respected, independent broker dealers. This gives us the tools we need to meet almost any client situation.

  5. Products & Services INSURANCE Life/Health for Groups/Individuals Universal Life/Variable Life Term Life – Mortgage Protection Health & Hospitalization Temporary Health Long Term Care Medicare Supplement Section 125 Cafeteria Plans Supplemental Insurance Disability Income Insurance Business Overhead Expense Fixed Annuities INVESTMENTS Mutual Funds/Money Markets IRA/Roth IRA Accounts Stocks and Bonds 529 College Savings Plans Limited Partnerships Real Estate Investment Trusts (REITS) Pension Funds Simple IRA, SEP, 401(k), 403(b) Variable Annuities Fixed insurance products and services offered by Donald M. Graham & Associates.

  6. Products & Services - continued SERVICES Free Consultations College Planning Education Seminars Estate Planning Tax Savings Strategies Business Planning/Corporate Seminars Retirement Planning Pension Plans Options on State Pension Plans – STRS, SERS, OPERS, OHPRS, and OP&F

  7. Early Years to Financial Planning Get solutions to the many questions young professionals consider. Will I be able to retire? At what age? When should I start to invest? What about my student loans?

  8. Early Years to Retirement Get solutions to the many questions mid to end career professionals consider. When will I be able to retire? Will I have enough money to retire? How should I invest my pension when I retire?

  9. Family Considerations Get solutions for families at all life’s stages. What kind of life insurance is best for me? My family? How do I plan for my children’s educational financial needs? What are my health and insurance options? What if something happens to me – how do I protect my family?

  10. Investments When considering your options for investing, it is helpful to discuss those options with a qualified investment professional. This will help you to utilize your money in the most productive way to accomplish your personal financial goals.

  11. Insurance There are many options for insurance based on your current situation such as family needs as well as planning for your future insurance needs. The professionals with Donald M. Graham and Associates can review your situation and assess the best insurance plans for you now and in the future.

  12. Retirement Considerations Change has a considerable psychological impact on the human mind. To the fearful, it is threatening because it means that things may get worse. To the hopeful, it is encouraging because things may get better. To the confident, it is inspiring because the challenge exists to make things better. -King Whitney, Jr. (President, The Personnel Laboratory, Inc.)

  13. When do I start planning for retirement?

  14. What amount of money will I need to retire?

  15. How do I plan the right time to retire? What is important is that you carefully consider the factors and situations that would contribute most to your work/life satisfaction in retirement, while satisfying your projected financial needs.

  16. How do I build a retirement fund?

  17. Top 10 Retirement Questions At what age do you want to retire? Do you want to work in retirement? What type of lifestyle do you envision in retirement? Where do you want to live? What does your financial picture currently look like for retirement? Have you created a retirement income plan? Have you factored in future health care costs? Do you know where all of your assets and important documents are? Have you named beneficiaries? Do you understand how your pension, Social Security and Medicare benefits will work?

  18. State Pension Plans Donald M. Graham and Associates have served as a Public Speaker for STRS and Members on “Personal Wealth Management” and “How to Maximize your Retirement Success”. Mr. Graham’s 35+ years of experience coupled with his team’s experience in advisory to both pre-retirees and retirees in Ohio Public Retirement Systems uniquely qualifies them to meet the planning needs of the following: STRS – State Teachers Retirement System of Ohio SERS – School Employees Retirement System of Ohio OPERS – Ohio Public Employees Retirement System HPRS – Highway Patrol Retirement System OP & F – Police and Fire Pension Fund

  19. Changes due to 2012 Legislation There have been many changes in State Pension Plans due to the new 2012 legislation. Donald M. Graham and Associates are very familiar with these changes and how they may impact your retirement plans. There is no cost to review your options.

  20. To PLOP, DROP or not to PLOP, DROP – that is the question. PLOP – Partial Lump Sum Option Payment DROP – Deferred Retirement Option Plan When you apply for retirement from one of the Ohio State Pension plans (STRS, SERS, OPERS, OP&F, OHPRS), you will need to select a payment plan. You will also have the option of taking part of your pension in a lump payment. One payment plan may be a better choice than another. Factors such as health, finances, marital status and other sources of income should be considered. Donald M. Graham and Associates can provide information and assistance in helping you to make the best possible choice for you and your family.

  21. Pension Maximization What is it? Is this something I can or should do?

  22. Need help?Talk to an investment professional. You may find it easier to work out your retirement finances with a knowledgeable investment professional who can provide guidance and help you to make smart, informed decisions. Before choosing an investment professional, consider the following questions: 1. What kind of services do you need help with? Think specifics and list key financial topics that are important to you. 2. Are you willing to pay a fee or commission for services? Do you want your adult children involved in your financial decision making? 4. Do you want face-to-face meetings with your professional? Are you looking for someone to handle short term transactional goals or longer term goals? Do you want/need help in better understanding how your lifestyle expectations match up with your current portfolio? Help with any adjustments that need to be made? Donald M. Graham and Associates are well-qualified to help you find the answers to these and other important questions. Mr. Graham and all associates are independent, financial advisors with no bias. All counsel is based on experience and background.

  23. What should I bring to a first meeting/consultation? Collecting the appropriate documents and information can help to make your first consultation more effective. The following documents are ones you will need to bring: Completed Client Fact Finder Sheet 401(k) Statement – most recent 401(k) Choices/Selections Prior Year’s IRS Tax Return Face Amount of Series E Bonds CD’s Maturity Dates Credit Union Statements Life Insurance Policies & Most Current Annual Statement IRA Statements Pension Information Long Term Care Policies Copy of Your Will/Trust

  24. Donald M. Graham & Associates205 Myrtle AvenueP.O. Box 363Willard, OH 44890(419) 933-20811-800-322-6116www.grahamassoc.comSecurities and Advisory Services offered through Commonwealth Financial Network. Member FINRA, SIPC, A Registered Investment Advisor

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