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Five Threats to Your Retirement Security PowerPoint Presentation
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Five Threats to Your Retirement Security

Five Threats to Your Retirement Security

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Five Threats to Your Retirement Security

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  1. Five Threats to YourRetirement Security

  2. Five Major Threats • Outliving Your Money • Effects of Inflation • Investment Performance • Excessive Withdrawals • Healthcare Costs

  3. Outliving Your Money • Longer Life Expectancies • Not Saving Enough • Exhausting Your Principal

  4. Effects of Inflation • Purchasing Power Risk • Rule of 72 • In Reverse • Divide 72 by Effects of Inflation Rate

  5. Investment Performance • Negative Returns • Lower Than Expected Returns

  6. Excessive Withdrawals • Spending Too Much • Coupled with Early Losses

  7. Healthcare Costs • Premiums • Deductibles • Coinsurance • Excess Charges • Other Out-of-Pocket Expenses

  8. Outliving Your Money • Accumulate More • Delay Retirement • Reduce Budget • Increase Return • Keep 12 Months of Income in Cash

  9. Effects of Inflation • Need • Growth of Capital • Growth of Income • Huge Risk • Being Too Conservative

  10. Investment Performance • Suitability • Diversification • Asset Allocation • Active vs. Passive • Low Cost Approach

  11. Excessive Withdrawals • Control Spending • Early Years • Losses • Need to Adjust • 4% Solution

  12. Healthcare • Pre-Medicare • Medicare • Medigap • Long Term Care Insurance • Health Savings Accounts

  13. One More Threat! • Impact of Taxes • Income • Gift • Estate • Inheritance • Property • Sales • And More!

  14. Solutions? • Comprehensive Financial Planning • Address All Five Threats • Examine • Cash Flow • Investments • Retirement Income • Estate Planning • Risk Management

  15. Question and Answer • Open for Questions • Free Consultation

  16. Providing Sound Advice… For Life 200 East Big Beaver, Troy, MI 48083 (248) 457-4555 www.gwallc.com