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CAC.5068 (05.13)

TAKE CHARGE OF YOUR FINANCIAL FUTURE. A Woman’s Guide to Investing for Retirement. www.protective.com. CAC.5068 (05.13). TODAY, I set a new goal. TODAY, I found my inspiration. TODAY, I started investing in me. TODAY, I reached a little higher. TODAY, I’m an example…for her.

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CAC.5068 (05.13)

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  1. TAKE CHARGE OF YOUR FINANCIAL FUTURE A Woman’s Guide to Investing for Retirement www.protective.com CAC.5068 (05.13)

  2. TODAY, I set a new goal.

  3. TODAY, I found my inspiration.

  4. TODAY, I started investing in me.

  5. TODAY, I reached a little higher.

  6. TODAY, I’m an example…for her.

  7. TODAY, I began to paint a new picture of my future.

  8. TODAY, I get to make the decisions.

  9. TODAY, I feel confident about tomorrow.

  10. TODAY, I’m building a plan that’s unique to me.

  11. TODAY is a new day.

  12. TAKE CHARGE OF YOUR FINANCIAL FUTURE A Woman’s Guide to Investing for Retirement www.protective.com CAC.5068 (05.13)

  13. Taxes and investment advice Protective Life Insurance Company, Protective Life and Annuity Insurance Company and Investment Distributors, Inc. are not registered as investment advisors and this brochure is not intended to provide investment advice. Following this presentation, contact your Financial Advisor for investment advice specific to your situation.This presentation contains statements regarding the tax treatment of certain financial assets and transactions. You should consult your legal or tax adviser regarding your individual situations before making any tax-related decisions.The tax information within this presentation represents only our current understanding of the law in general and are not to be relied upon by Purchasers. The tax treatment of life insurance, Individual Retirement Accounts (IRAs), Income, estate, gift, and generation skipping tax rules are subject to change at any time. Neither Protective Life nor its representatives offer legal or tax advice. www.protective.com

  14. Agenda • Why take charge of your financial future now? • Setting your financial goals • How will you get there? • Building your portfolio • How do you get started?

  15. Why take charge of your financial future now? What does the future hold? Uncertainty. • Economy • Pensions • Medicare • Social Security

  16. Why take charge of your financial future now? • Other concerns for women: • Lower earnings • Longevity • Widowhood

  17. TODAY, I set goals that I know I can reach.

  18. What do you want to achieve?

  19. Setting your financial goals • Keep a picture of your goal in mind to help you focus on reaching it. • Quantify your goal to make it easier to plan. • Create your plan to begin investing for retirement.

  20. How will you get there? • “Finding” money • Asset growth

  21. THE LATTE FACTOR:Sacrifice small, daily purchases to “find” money to invest.

  22. How will you get there?The Latte Factor $6 day 7 days a week 52 weeks a year= $2,184 a year

  23. How will you get there? How long will it take me to double my money? Use the Rule of 72. 72 ÷ interest rate = number of years

  24. How will you get there? • Compounding • Time is money • The sooner you start to invest, the less you will need to invest in total.

  25. How will you get there? Compounding Two different approaches: Jennifer and Ann

  26. TODAY, I figured out the tools that could get me from here to there.

  27. Building your portfolio • Tax-deferred savings: more money to you • Investment vehicles: • 401(k) and 403(b) plans • IRAs • Annuities • Life insurance • Stocks, bonds, mutual funds

  28. Building My Portfolio • Take advantage of your workplace savings plan: • 401(k)/403(b) • Tax-deferred contributions • Employer match

  29. Building your portfolio • 401(k) and 403(b) plans

  30. Building your portfolio • IRA Basics

  31. Building My Portfolio • Stocks, bonds and mutual funds: Accumulation with varying levels of risk • Bonds: fixed-income security, low risk • Stocks: higher potential for returns, higher risk • Mutual funds: invest in stocks, bonds, and other assets; professionally managed

  32. Building your portfolio • Another investment option: Annuities • Contract with an insurance company • Regular payments • Protect a portion of your retirement from volatility risk • Offer opportunities for tax-deferred growth • Draw from your retirement income • Provide payments for life

  33. Building your portfolio • A nontraditional investment choice: Life Insurance • Build cash value • Long-term investment • Tax advantages • Dual protection

  34. TODAY, I thought about my retirement, with confidence.

  35. Where do you start? • Review your notes and booklet. • Establish your goals. • Determine how you will start building your money to invest. • What is your “latte factor”? • Meet with your advisor to help you determine your next steps.

  36. Where do you start? When meeting with your advisor, bring along: • Your goals • Important documents • Recent statements

  37. Important Information Protective and Protective Life refer to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life & Annuity Insurance Company (PLAICO). Insurance products issued by PLICO in all states, except New York, and in New York by PLAICO. Securities offered by Investment Distributors, Inc. (IDI). IDI is the principal underwriter for registered products issued by PLICO and PLAICO. All three companies are located in Birmingham, AL. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the policies it issues. Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and charges from the insurance company and the investment managers. Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity before investing. This information is contained in the prospectus for a variable annuity and its underlying investment options. Prospectuses may be obtained by calling Protective Life at 800.456.6330.

  38. Questions and Answers

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