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Five Threats to Your Retirement Security

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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  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

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